# TEXANS

> **Canonical URL:** https://saferate.com/lenders/texans


> **📋 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


TEXANS is a credit union, headquartered in Richardson, TX, serving borrowers across 3 states, with 55 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 83% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GY97XGRF7XZO52
- **Headquarters:** Richardson, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AR, IN, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.535%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,167
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 55
- **Dollar Volume:** $11 million
- **Applications Received:** 252
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $206,455
- **Average Borrower Income:** $123,855
- **Average Property Value:** $440,769

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 55 | +0.535% | $3,167 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 20 loans, Score: 17/100 (Mediocre)
- Refinance: 35 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 20 | $5M | +0.390% | Mediocre 😐 |
| Refinance | 40/100 | 35 | $6M | +0.736% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 53 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 41 | 63/100 |

## Frequently Asked Questions

### What loan types does TEXANS offer?

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

### Where does TEXANS offer mortgages?

TEXANS offers mortgages in 3 states: AR, IN, TX.

### How competitive are TEXANS's mortgage rates?

TEXANS has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.535% above market average.

### What type of lender is TEXANS?

TEXANS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Richardson, TX.

### What is TEXANS's loan approval success rate?

TEXANS has a pull-through score of 17/100 (Mediocre). 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/texans

### How to Cite

> "TEXANS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texans

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