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Advancial Credit Union

Credit Union•Dallas, TXHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Advancial Credit Union — 439 loans across 583 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
National · 4 mkts

Safe Rate Summary

What They Do Well

  • Nationwide availability with consistent service

Things to Think About

  • Rates typically 56 basis points above market average

Explore another lender or local market

Report Card

Advancial Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+56.1 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
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume376
Mix85.6%
Spread
+0.558%Above
Fees
$3,369Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume63
Mix14.4%
Spread
+0.588%Above
Fees
$2,297Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume340
Mix77.4%
Spread
+0.565%Above
Fees
$3,344Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume99
Mix22.6%
Spread
+0.538%Above
Fees
$3,013Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
439
Applications
583
Volume
$223 million
Pricing & Closing
Avg Rate Spread
+0.561%
vs. market APOR
Avg Net Fees
$3,287
Origination − Credits
Pullthrough Rate
75.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$510,125
Avg Borrower Income
$256,353
Avg Property Value
$793,200

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
45
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

45
45 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest8
ILINKSMIMNMOOHWI
South15
ARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 27Mix 6.15% of portfolio
52/100
Sound
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 29Mix 6.61% of portfolio
52/100
Sound
3© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 16Mix 3.64% of portfolio
46/100
Sound
4© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 18Mix 4.10% of portfolio
45/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 78Mix 17.77% of portfolio
57/100
Sound
California
California
2
CaliforniaState
Volume 59Mix 13.44% of portfolio
54/100
Sound
New York
New York
3
New YorkState
Volume 32Mix 7.29% of portfolio
52/100
Sound
Florida
Florida
4
FloridaState
Volume 50Mix 11.39% of portfolio
52/100
Sound
New Jersey
New Jersey
5
New JerseyState
Volume 21Mix 4.78% of portfolio
48/100
Sound
Washington
Washington
6
WashingtonState
Volume 18Mix 4.10% of portfolio
46/100
Sound
Colorado
Colorado
7
ColoradoState
Volume 15Mix 3.42% of portfolio
43/100
Sound
Louisiana
Louisiana
8
LouisianaState
Volume 10Mix 2.28% of portfolio
40/100
Sound
Pennsylvania
Pennsylvania
9
PennsylvaniaState
Volume 12Mix 2.73% of portfolio
40/100
Acceptable
South Carolina
South Carolina
10
South CarolinaState
Volume 10Mix 2.28% of portfolio
39/100
Acceptable
Showing 10 of 11 states

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.