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Keesler

Credit UnionBiloxi, MSDirect to Consumer

We analyzed every closed loan from Keesler 417 loans across 853 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA
Place
Strong
Regional · 5 mkts
Safe Rate AwardsFHA SuperstarVA SuperstarPurchase SuperstarRefinance Superstar

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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

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Report Card

Keesler performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 42.4 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional6 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Strong
Sound
9923.7%
+0.138%Above
$875Fees
FHA Loans
Strong
Strong
Exceptional
Strong
22954.9%
-0.451%Below
$404Fees
VA Loans
Strong
Strong
Exceptional
Strong
8420.1%
-1.069%Below
$686Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Exceptional
Sound
34783.2%
-0.436%Below
$465Fees
Refinance
Strong
Strong
Exceptional
Sound
7016.8%
-0.361%Below
$1,052Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
417
Applications
853
Volume
$98 million
Pricing & Closing
Avg Rate Spread
-0.424%
vs. market APOR
Avg Net Fees
$562
Origination − Credits
Pullthrough Rate
48.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$235,647
Avg Borrower Income
$104,863
Avg Property Value
$283,321

Geographic Coverage

Geographic Performance

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%of portfolio
Place
Exceptional
2
Jackson, MS, MSMSA
Volume: 36Mix: 8.63%of portfolio
Place
Strong
3
Slidell, LAMSA
Volume: 16Mix: 3.84%of portfolio
Place
Sound
4
Mobile, AL, ALMSA
Volume: 15Mix: 3.60%of portfolio
Place
Sound
5
Hattiesburg, MS, MSMSA
Volume: 14Mix: 3.36%of portfolio
Place
Sound

Top States by Place Specialization Score

1
MSState
Volume: 364Mix: 87.29%of portfolio
Place
Exceptional
2
LAState
Volume: 26Mix: 6.24%of portfolio
Place
Sound
3
ALState
Volume: 19Mix: 4.56%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.