# TELCOE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/telcoe-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TELCOE FEDERAL CREDIT UNION is a credit union, headquartered in Little Rock, AR, serving borrowers across 5 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Y4CEEGC4KCFI45
- **Headquarters:** Little Rock, AR
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, CA, FL, MO, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 94.3%
- **Brokered/Wholesale:** 5.7%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.322%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,530
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $21 million
- **Applications Received:** 87
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $275,267
- **Average Borrower Income:** $168,800
- **Average Property Value:** $390,600

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 66 | +0.257% | $2,491 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 44 loans, Score: 32/100 (Acceptable)
- Refinance: 22 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 51 | $12M | +0.248% | Acceptable 🙂 |
| Refinance | 41/100 | 24 | $8M | +0.557% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 70 | 0.22% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Little Rock | AR | 46 | 72/100 |
| Non |  | 16 | 34/100 |

## Where This Lender Ranks

TELCOE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Little Rock for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Arkansas Credit Unions
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Arkansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does TELCOE FEDERAL CREDIT UNION offer?

TELCOE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TELCOE FEDERAL CREDIT UNION offer mortgages?

TELCOE FEDERAL CREDIT UNION offers mortgages in 5 states: AR, CA, FL, MO, TX.

### How competitive are TELCOE FEDERAL CREDIT UNION's mortgage rates?

TELCOE FEDERAL CREDIT UNION has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.322% above market average.

### What type of lender is TELCOE FEDERAL CREDIT UNION?

TELCOE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Little Rock, AR.

### What is TELCOE FEDERAL CREDIT UNION's loan approval success rate?

TELCOE FEDERAL CREDIT UNION has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/telcoe-federal-credit-union

### How to Cite

> "TELCOE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/telcoe-federal-credit-union

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