# TWINSTAR

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


> **📋 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


TWINSTAR is a credit union, headquartered in LACEY, WA, serving borrowers across 2 states, with 196 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300UBGGLZLZEY0M18
- **Headquarters:** LACEY, WA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.012%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,858
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 196
- **Dollar Volume:** $73 million
- **Applications Received:** 366
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $369,949
- **Average Borrower Income:** $140,265
- **Average Property Value:** $504,949

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 186 | +0.039% | $1,834 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 138 loans, Score: 49/100 (Sound)
- Refinance: 48 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 143 | $53M | +0.118% | Sound ☺️ |
| Refinance | 56/100 | 53 | $19M | -0.178% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 105 | 0.25% | 72/100 |
| WA | 91 | 0.11% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 65 | 52/100 |
| Eugene | OR | 40 | 70/100 |
| Olympia | WA | 32 | 69/100 |
| Portland | OR-WA | 19 | 51/100 |

## Where This Lender Ranks

TWINSTAR appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Eugene Credit Unions
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Olympia Credit Unions
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Olympia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/olympia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Oregon for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Eugene for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Oregon Credit Unions
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Oregon for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Eugene
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does TWINSTAR offer?

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

### Where does TWINSTAR offer mortgages?

TWINSTAR offers mortgages in 2 states: OR, WA.

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

TWINSTAR has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.012% above market average.

### What type of lender is TWINSTAR?

TWINSTAR is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in LACEY, WA.

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

TWINSTAR has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/twinstar

### How to Cite

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

---

**[View Interactive Profile →](https://saferate.com/lenders/twinstar)**