What loan types does ACFCU Federal Credit Union offer?

ACFCU Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does ACFCU Federal Credit Union offer mortgages?

ACFCU Federal Credit Union offers mortgages in 1 states: TX.

How competitive are ACFCU Federal Credit Union's mortgage rates?

ACFCU Federal Credit Union has an overall pricing score of 27.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ACFCU Federal Credit Union?

ACFCU Federal Credit Union is a Credit Union headquartered in Amarillo, TX.

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ACFCU Federal Credit Union

Credit Union•Amarillo, TXHQ•Direct•Reviews near you on Google

ACFCU Federal Credit Union has 54 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Summary

Things to Think About

Rates typically 138 basis points above market average

Explore another lender or local market

Report Card

ACFCU Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+137.7 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Exceptional	54	100.0%	+1.377%Above	$579Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Exceptional

Volume54

Mix100.0%

Spread

+1.377%Above

Fees

$579Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Refinance	Sound	Strong	Acceptable	Exceptional	54	100.0%	+1.377%Above	$579Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume54

Mix100.0%

Spread

+1.377%Above

Fees

$579Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Avg Rate Spread

+1.377%

vs. market APOR

Avg Net Fees

$579

Origination − Credits

Pullthrough Rate

78.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$79,815

Avg Borrower Income

$71,481

Avg Property Value

$179,259

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Amarillo, TXMetro

Volume 44Mix 81.48% of portfolio

69/100

Strong

Top States by Place Specialization Score

TexasState

Volume 54Mix 100.00% of portfolio

60/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.