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J
JSC
Credit Union|Houston, TX|Single State
Loans Originated
473
Applications
616
Volume
$161 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
76.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
JSC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
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 | Strong | Single State · 2 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$342,019
Average Borrower Income
$171,266
Average Property Value
$296,333
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Sound | 455 | 96.2% | +0.884% | $89 |
Jumbo Loans | Strong | Strong | N/A | N/A | 17 | 3.6% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Sound | 432 | 91.3% | +0.729% | $374 |
Refinance | Sound | Sound | N/A | Sound | 41 | 8.7% | +0.946% | -$26 |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
TX
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 438Mix: 92.60%
Place Specialization
Exceptional
2
Dallas, TXMSA
Volume: 11Mix: 2.33%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
TXState
Volume: 473Mix: 100.00%
Place Specialization
Strong
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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