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Texoma Community Credit Union

Credit UnionWichita Falls, TXDirect to Consumer

Texoma Community Credit Union has 128 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pull Through
Exceptional
closing strength
Products
Strong
Conventional
Place
Exceptional
Single State · 1 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

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Report Card

Texoma Community Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Exceptional
Market Leader
Top 10% of lenders
Single State1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Exceptional
128100.0%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Strong
6953.9%
Refinance
Strong
Strong
Exceptional
5946.1%

At a Glance

Lender Overview

Lending Activity
Loans Originated
128
Applications
140
Volume
$12 million
Typical Borrower
Avg Loan Amount
$100,078
Avg Borrower Income
$126,391
Avg Property Value
$178,254

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

TX

Top Metro Areas by Place Specialization Score

1
Wichita Falls, TX, TXMSA
Volume: 118Mix: 92.19%of portfolio
Place
Exceptional

Top States by Place Specialization Score

1
TXState
Volume: 128Mix: 100.00%of portfolio
Place
Strong

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.