# AMOCO

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

> **📋 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

AMOCO is a credit union, headquartered in Texas City, TX, with 294 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 3% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900TIRELTI8ENRL83
- **Headquarters:** Texas City, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 97/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.358%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $806
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 294
- **Dollar Volume:** $85 million
- **Applications Received:** 428
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $287,755
- **Average Borrower Income:** $150,170

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 292 | -0.356% | $809 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 227 loans, Score: 48/100 (Sound)
- Refinance: 65 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 229 | $69M | -0.389% | Sound ☺️ |
| Refinance | 52/100 | 65 | $15M | -0.247% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 294 | 0.08% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 294 | 81/100 |

## Frequently Asked Questions

### What loan types does AMOCO offer?

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

### Where does AMOCO offer mortgages?

AMOCO offers mortgages in 1 states: TX.

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

AMOCO has a pricing score of 97/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.358% below market average.

### What type of lender is AMOCO?

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

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

AMOCO has a pull-through score of 55/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/amo

### How to Cite

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

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