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ADVANCIAL CREDIT UNION
Credit Union|Dallas, TX|National
Loans Originated
439
Applications
583
Volume
$223 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.561%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,287
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 56 basis points above market average
Report Card
ADVANCIAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 5 metro areas · 45 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$510,125
Average Borrower Income
$256,353
Average Property Value
$793,200
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 376 | 85.6% | +0.558% | $3,369 |
Jumbo Loans | Strong | Strong | N/A | Strong | 63 | 14.4% | +0.588% | $2,297 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 340 | 77.4% | +0.565% | $3,344 |
Refinance | Acceptable | Sound | Mediocre | Sound | 99 | 22.6% | +0.538% | $3,013 |
Geographic Coverage
Metro Areas
4
States Served
45
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKARAZCACOCTDEFLGAHIIDILINKSKYLAMAMDMEMIMNMOMSMTNCNHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 27Mix: 6.15%
Place Specialization
Sound
2
Dallas, TXMSA
Volume: 29Mix: 6.61%
Place Specialization
Sound
3
Los Angeles, CAMSA
Volume: 16Mix: 3.64%
Place Specialization
Sound
4
Houston, TXMSA
Volume: 18Mix: 4.10%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 78Mix: 17.77%
Place Specialization
Sound
2
CAState
Volume: 59Mix: 13.44%
Place Specialization
Sound
3
NYState
Volume: 32Mix: 7.29%
Place Specialization
Sound
4
FLState
Volume: 50Mix: 11.39%
Place Specialization
Sound
5
NJState
Volume: 21Mix: 4.78%
Place Specialization
Sound
6
WAState
Volume: 18Mix: 4.10%
Place Specialization
Sound
7
COState
Volume: 15Mix: 3.42%
Place Specialization
Sound
8
LAState
Volume: 10Mix: 2.28%
Place Specialization
Sound
9
PAState
Volume: 12Mix: 2.73%
Place Specialization
Acceptable
10
SCState
Volume: 10Mix: 2.28%
Place Specialization
Acceptable
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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