# TELHIO

> **Canonical URL:** https://saferate.com/lenders/telhio

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

TELHIO is a credit union, headquartered in Columbus, OH, serving borrowers across 5 states, with 229 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZJK68X6PQU2308
- **Headquarters:** Columbus, OH
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, KY, MI, OH, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.212%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,503
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 229
- **Dollar Volume:** $66 million
- **Applications Received:** 327
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,240
- **Average Borrower Income:** $156,974

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 225 | -0.208% | $1,494 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 186 loans, Score: 47/100 (Sound)
- Refinance: 39 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 189 | $56M | -0.220% | Sound ☺️ |
| Refinance | 45/100 | 40 | $11M | -0.171% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 223 | 0.17% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 157 | 80/100 |
| Cincinnati, OH |  | 46 | 64/100 |
| Non |  | 16 | 29/100 |

## Frequently Asked Questions

### What loan types does TELHIO offer?

TELHIO offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TELHIO offer mortgages?

TELHIO offers mortgages in 5 states: FL, KY, MI, OH, TN.

### How competitive are TELHIO's mortgage rates?

TELHIO has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.212% below market average.

### What type of lender is TELHIO?

TELHIO is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Columbus, OH.

### What is TELHIO's loan approval success rate?

TELHIO has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/telhio

### How to Cite

> "TELHIO Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/telhio

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