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USCU

Union Square Credit Union

Credit UnionWichita Falls, TXHQDirectReviews near you on Google

Union Square Credit Union has 190 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
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 1 mkts
Safe Rate Awards
FHA Champion
FHA
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Union Square Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+9.8 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% 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 · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume126
Mix66.3%
Spread
+0.173%Above
Fees
$848Fees
FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume47
Mix24.7%
Spread
+0.063%Above
Fees
$811Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Volume17
Mix8.9%
Spread
-0.497%Below
Fees
$615Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume132
Mix69.5%
Spread
+0.079%Above
Fees
$750Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume58
Mix30.5%
Spread
+0.141%Above
Fees
$983Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
190
Applications
255
Volume
$41 million
Pricing & Closing
Avg Rate Spread
+0.098%
vs. market APOR
Avg Net Fees
$822
Origination − Credits
Pullthrough Rate
74.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$219,947
Avg Borrower Income
$112,895
Avg Property Value
$288,579

Geographic Coverage

Geographic Performance

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

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
OKTX
West1
NM

Top Metro Areas by Place Specialization Score

Volume 167Mix 87.89% of portfolio
100/100
Exceptional

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 184Mix 96.84% of portfolio
70/100
Strong

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.