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Security Service Federal Credit Union

Credit Union•San Antonio, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Security Service Federal Credit Union — 1.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
Regional · 13 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Security Service Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+3.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 14 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume896
Mix89.4%
Spread
+0.052%Above
Fees
$174Credit
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Sound
Volume106
Mix10.6%
Spread
-0.484%Below
Fees
$844Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Exceptional
Pull Through
Acceptable
Volume560
Mix55.9%
Spread
-0.177%Below
Fees
$1,118Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume442
Mix44.1%
Spread
+0.263%Above
Fees
$1,530Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,002
Applications
2,510
Volume
$367 million
Pricing & Closing
Avg Rate Spread
+0.031%
vs. market APOR
Avg Net Fees
$-135
Origination − Credits
Pullthrough Rate
39.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$366,347
Avg Borrower Income
$184,172
Avg Property Value
$532,156

Geographic Coverage

Geographic Performance

Metro Areas
13
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX
West2
COUT

Top Metro Areas by Place Specialization Score

1© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 499Mix 49.80% of portfolio
86/100
Exceptional
2© Mig Esc · CC BY 3.0
McAllen, TXMetro
Volume 88Mix 8.78% of portfolio
77/100
Strong
3© Michael Martin from Cypress, Texas · CC BY-SA 2.0
Brownsville, TXMetro
Volume 46Mix 4.59% of portfolio
75/100
Strong
4© Larry D. Moore · CC BY 4.0
Corpus Christi, TXMetro
Volume 39Mix 3.89% of portfolio
62/100
Strong
5© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 30Mix 2.99% of portfolio
53/100
Sound
6© Thomas Vogt · CC BY 4.0
El Paso, TXMetro
Volume 21Mix 2.10% of portfolio
51/100
Sound
7© Hollowayvideo · CC0
Pueblo, COMetro
Volume 16Mix 1.60% of portfolio
50/100
Sound
8© Xnatedawgx · CC BY-SA 4.0
Colorado Springs, COMetro
Volume 18Mix 1.80% of portfolio
48/100
Sound
9© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 20Mix 2.00% of portfolio
45/100
Sound
10© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 18Mix 1.80% of portfolio
45/100
Sound
Showing 10 of 13 metro areas

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 849Mix 84.73% of portfolio
82/100
Exceptional
Utah
Utah
2
UtahState
Volume 67Mix 6.69% of portfolio
60/100
Strong
Colorado
Colorado
3
ColoradoState
Volume 76Mix 7.58% of portfolio
60/100
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.