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Lone Star Federally Insured State-Chartered Credit Union

Credit UnionDallas, TXHQDirectReviews near you on Google

Lone Star Federally Insured State-Chartered Credit Union has 25 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Sound
3/5
Single State · 1 mkts

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Lone Star Federally Insured State-Chartered Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+48.1 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing
Sound
Pull Through
Acceptable
Volume25
Mix100.0%
Spread
+0.481%Above
Fees
$1,245Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Sound
Volume19
Mix76.0%
Spread
+0.689%Above
Fees
$873Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
25
Applications
47
Volume
$5 million
Pricing & Closing
Avg Rate Spread
+0.481%
vs. market APOR
Avg Net Fees
$1,245
Origination − Credits
Pullthrough Rate
53.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$224,200
Avg Borrower Income
$115,320
Avg Property Value
$355,800

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX

Top Metro Areas by Place Specialization Score

Volume 18Mix 72.00% of portfolio
55/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 25Mix 100.00% of portfolio
54/100
Sound

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.