What loan types does Family Security Credit Union offer?

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

Where does Family Security Credit Union offer mortgages?

Family Security Credit Union offers mortgages in 1 states: AL.

How competitive are Family Security Credit Union's mortgage rates?

Family Security Credit Union has an overall pricing score of 43.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Family Security Credit Union?

Family Security Credit Union is a Credit Union headquartered in Decatur, AL.

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Family Security Credit Union

Credit Union•Decatur, ALHQ•Direct•Reviews near you on Google

Family Security Credit Union has 30 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Family Security Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+31.8 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Mediocre

Bottom 20% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Sound	30	100.0%	+0.318%Above	$767Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume30

Mix100.0%

Spread

+0.318%Above

Fees

$767Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	Mediocre	14	46.7%	+0.543%Above	$758Fees
Refinance	Acceptable	Sound	—	Acceptable	16	53.3%	+0.135%Above	$775Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume14

Mix46.7%

Spread

+0.543%Above

Fees

$758Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume16

Mix53.3%

Spread

+0.135%Above

Fees

$775Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$3 million

Pricing & Closing

Avg Rate Spread

+0.318%

vs. market APOR

Avg Net Fees

$767

Origination − Credits

Pullthrough Rate

30.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$111,000

Avg Borrower Income

$78,200

Avg Property Value

$210,000

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

Decatur, ALMetro

Volume 19Mix 63.33% of portfolio

68/100

Strong

Top States by Place Specialization Score

AlabamaState

Volume 30Mix 100.00% of portfolio

62/100

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.