# SCOTT CREDIT UNION

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


SCOTT CREDIT UNION is a credit union, headquartered in Edwardsville, IL, serving borrowers across 14 states, with 531 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493000D7DINI9PZN749
- **Headquarters:** Edwardsville, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AZ, CO, FL, GA, IL, IN, KS, KY, MI, MO, NC, PA, TN, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.083%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $667
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 531
- **Dollar Volume:** $130 million
- **Applications Received:** 690
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $244,322
- **Average Borrower Income:** $125,028
- **Average Property Value:** $311,535

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 477 | +0.120% | $644 | Strong 😀 |
| FHA | 52/100 | 16 | +0.060% | $578 | Sound ☺️ |
| VA | 63/100 | 30 | -0.559% | $1,185 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 373 loans, Score: 59/100 (Sound)
- Refinance: 104 loans, Score: 62/100 (Strong)

**VA:**
- Purchase: 28 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 423 | $105M | +0.091% | Sound ☺️ |
| Refinance | 60/100 | 108 | $25M | +0.053% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 378 | 0.30% | 80/100 |
| MO | 131 | 0.18% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 458 | 90/100 |
| Non |  | 39 | 39/100 |

## Where This Lender Ranks

SCOTT CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in St. Louis, MO Credit Unions
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in St. Louis, MO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in St. Louis, MO for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in St. Louis, MO for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in St. Louis, MO for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Illinois for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Illinois Credit Unions
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Illinois for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)
- 🏆 **#7** in St. Louis, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in St. Louis, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in St. Louis, MO for VA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does SCOTT CREDIT UNION offer?

SCOTT CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SCOTT CREDIT UNION offer mortgages?

SCOTT CREDIT UNION offers mortgages in 14 states: AZ, CO, FL, GA, IL, IN, KS, KY, MI, MO, NC, PA, TN, WI.

### How competitive are SCOTT CREDIT UNION's mortgage rates?

SCOTT CREDIT UNION has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.083% above market average.

### What type of lender is SCOTT CREDIT UNION?

SCOTT CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Edwardsville, IL.

### What is SCOTT CREDIT UNION's loan approval success rate?

SCOTT CREDIT UNION has a pull-through score of 69/100 (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/scott-credit-union

### How to Cite

> "SCOTT CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/scott-credit-union

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