# Listerhill Credit Union

> **Canonical URL:** https://saferate.com/lenders/listerhill-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


Listerhill Credit Union is a credit union, headquartered in Muscle Shoals, AL, serving borrowers across 5 states, with 190 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549000VVDQ9NNW01Q23
- **Headquarters:** Muscle Shoals, AL
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, FL, MI, MS, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.211%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,294
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 190
- **Dollar Volume:** $41 million
- **Applications Received:** 230
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $217,211
- **Average Borrower Income:** $105,389
- **Average Property Value:** $321,947

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 177 | +0.209% | $2,293 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 99 loans, Score: 55/100 (Sound)
- Refinance: 78 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 110 | $26M | +0.032% | Sound ☺️ |
| Refinance | 68/100 | 80 | $15M | +0.467% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 162 | 0.27% | 78/100 |
| TN | 25 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Florence | AL | 88 | 86/100 |
| Non |  | 47 | 47/100 |
| Nashville | TN | 17 | 50/100 |
| Decatur, AL | AL | 13 | 52/100 |
| Huntsville, AL | AL | 13 | 49/100 |

## Where This Lender Ranks

Listerhill Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Florence for Conventional Loans
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Alabama for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Florence
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders)
- 🥉 **#3** in Decatur, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Alabama Credit Unions
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions)
- 🏆 **#14** in Decatur, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Listerhill Credit Union offer?

Listerhill 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 Listerhill Credit Union offer mortgages?

Listerhill Credit Union offers mortgages in 5 states: AL, FL, MI, MS, TN.

### How competitive are Listerhill Credit Union's mortgage rates?

Listerhill Credit Union has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.211% above market average.

### What type of lender is Listerhill Credit Union?

Listerhill Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Muscle Shoals, AL.

### What is Listerhill Credit Union's loan approval success rate?

Listerhill Credit Union has a pull-through score of 64/100 (Strong). 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/listerhill-credit-union

### How to Cite

> "Listerhill Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/listerhill-credit-union

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