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SECURITY SERVICE FEDERAL CREDIT UNION
Credit Union|San Antonio, TX|Regional
Loans Originated
1,002
Applications
2,510
Volume
$367 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.031%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$135
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
39.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Report Card
SECURITY SERVICE FEDERAL CREDIT UNION 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 | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 14 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$366,347
Average Borrower Income
$184,172
Average Property Value
$532,156
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Sound | 896 | 89.4% | +0.052% | -$174 |
Jumbo Loans | Strong | Exceptional | Exceptional | Sound | 106 | 10.6% | -0.484% | $844 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Exceptional | Acceptable | 560 | 55.9% | -0.177% | $1,118 |
Refinance | Strong | Strong | Exceptional | Sound | 442 | 44.1% | +0.263% | -$1,530 |
Geographic Coverage
Metro Areas
13
States Served
3
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
COTXUT
Top Metro Areas by Place Specialization Score
1
San Antonio, TXMSA
Volume: 499Mix: 49.80%
Place Specialization
Exceptional
2
McAllen, TXMSA
Volume: 88Mix: 8.78%
Place Specialization
Strong
3
Brownsville, TXMSA
Volume: 46Mix: 4.59%
Place Specialization
Strong
4
Corpus Christi, TX, TXMSA
Volume: 39Mix: 3.89%
Place Specialization
Strong
5
Austin, TXMSA
Volume: 30Mix: 2.99%
Place Specialization
Sound
6
El Paso, TX, TXMSA
Volume: 21Mix: 2.10%
Place Specialization
Sound
7
Pueblo, CO, COMSA
Volume: 16Mix: 1.60%
Place Specialization
Sound
8
Colorado Springs, CO, COMSA
Volume: 18Mix: 1.80%
Place Specialization
Sound
9
Dallas, TXMSA
Volume: 20Mix: 2.00%
Place Specialization
Sound
10
Denver, COMSA
Volume: 18Mix: 1.80%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 849Mix: 84.73%
Place Specialization
Exceptional
2
UTState
Volume: 67Mix: 6.69%
Place Specialization
Strong
3
COState
Volume: 76Mix: 7.58%
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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