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KEESLER
Credit Union|Biloxi, MS|Regional
Loans Originated
417
Applications
853
Volume
$98 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.424%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$562
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
48.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 42.40 basis points below market average
- Lower than average lender fees
- Particularly strong in FHA and VA loans
Report Card
KEESLER performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 6 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$235,647
Average Borrower Income
$104,863
Average Property Value
$283,321
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 99 | 23.7% | +0.138% | $875 |
FHA Loans | Strong | Strong | Exceptional | Strong | 229 | 54.9% | -0.451% | $404 |
VA Loans | Strong | Strong | Exceptional | Strong | 84 | 20.1% | -1.069% | $686 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 347 | 83.2% | -0.436% | $465 |
Refinance | Strong | Strong | Exceptional | Sound | 70 | 16.8% | -0.361% | $1,052 |
Geographic Coverage
Metro Areas
5
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALFLLAMS
Top Metro Areas by Place Specialization Score
1
Gulfport, MSMSA
Volume: 251Mix: 60.19%
Place Specialization
Exceptional
2
Jackson, MS, MSMSA
Volume: 36Mix: 8.63%
Place Specialization
Strong
3
Slidell, LAMSA
Volume: 16Mix: 3.84%
Place Specialization
Sound
4
Mobile, AL, ALMSA
Volume: 15Mix: 3.60%
Place Specialization
Sound
5
Hattiesburg, MS, MSMSA
Volume: 14Mix: 3.36%
Place Specialization
Sound
Top States by Place Specialization Score
1
MSState
Volume: 364Mix: 87.29%
Place Specialization
Exceptional
2
LAState
Volume: 26Mix: 6.24%
Place Specialization
Sound
3
ALState
Volume: 19Mix: 4.56%
Place Specialization
Sound
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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