# I. H. MISSISSIPPI VALLEY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/i-h-mississippi-valley-credit-union


> **📋 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


I. H. MISSISSIPPI VALLEY CREDIT UNION is a credit union, headquartered in Moline, IL, serving borrowers across 11 states, with 568 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300AR4BCLQFU47165
- **Headquarters:** Moline, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AL, AR, AZ, FL, GA, IA, IL, MO, NC, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.361%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,224
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 568
- **Dollar Volume:** $104 million
- **Applications Received:** 740
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $183,680
- **Average Borrower Income:** $106,507
- **Average Property Value:** $246,285

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Purchase Diamond Champion** (84%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 565 | -0.357% | $1,228 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 439 loans, Score: 74/100 (Strong)
- Refinance: 126 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 439 | $82M | -0.358% | Strong 😀 |
| Refinance | 73/100 | 129 | $23M | -0.372% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 356 | 0.29% | 79/100 |
| IA | 202 | 0.57% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 454 | 100/100 |
| Non |  | 67 | 47/100 |
| Des Moines | IA | 18 | 49/100 |

## Where This Lender Ranks

I. H. MISSISSIPPI VALLEY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Davenport
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders)
- 🥈 **#2** in Davenport Credit Unions
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Davenport for Conventional Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Davenport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Illinois Credit Unions
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Illinois for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Illinois
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders)
- 🏆 **#11** in Illinois for Conventional Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Iowa
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders)
- 🏆 **#13** in Iowa for Conventional Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does I. H. MISSISSIPPI VALLEY CREDIT UNION offer?

I. H. MISSISSIPPI VALLEY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does I. H. MISSISSIPPI VALLEY CREDIT UNION offer mortgages?

I. H. MISSISSIPPI VALLEY CREDIT UNION offers mortgages in 11 states: AL, AR, AZ, FL, GA, IA, IL, MO, NC, TN, TX.

### How competitive are I. H. MISSISSIPPI VALLEY CREDIT UNION's mortgage rates?

I. H. MISSISSIPPI VALLEY CREDIT UNION has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.361% below market average.

### What type of lender is I. H. MISSISSIPPI VALLEY CREDIT UNION?

I. H. MISSISSIPPI VALLEY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Moline, IL.

### What is I. H. MISSISSIPPI VALLEY CREDIT UNION's loan approval success rate?

I. H. MISSISSIPPI VALLEY CREDIT UNION has a pull-through score of 82/100 (Exceptional). 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:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/i-h-mississippi-valley-credit-union

### How to Cite

> "I. H. MISSISSIPPI VALLEY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/i-h-mississippi-valley-credit-union

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