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ASSEMBLIES OF GOD Credit Union

Credit UnionSpringfield, MODirect to Consumer

Assemblies of God Credit Union has 310 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional
Place
Strong
Multi-Region · 2 mkts
Safe Rate AwardsConventional SuperstarFHA SuperstarPurchase SuperstarRefinance Superstar

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Safe Rate's Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

ASSEMBLIES OF GOD Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
+18.7 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Sound
Industry Standard
Top 60% 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
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Sound
Exceptional
27087.1%
+0.228%Above
$1,054Fees
FHA Loans
Strong
Sound
Exceptional
Strong
278.7%
+0.120%Above
$1,555Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Sound
Strong
Strong
22271.6%
+0.216%Above
$1,198Fees
Refinance
Strong
Strong
Sound
Exceptional
8828.4%
+0.105%Above
$784Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
310
Applications
357
Volume
$81 million
Pricing & Closing
Avg Rate Spread
+0.187%
vs. market APOR
Avg Net Fees
$1,089
Origination − Credits
Pullthrough Rate
86.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$261,903
Avg Borrower Income
$115,503
Avg Property Value
$357,903

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
20
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Springfield, MO, MOMSA
Volume: 197Mix: 63.55%of portfolio
Place
Exceptional
2
Kansas City, MO, MO-KSMSA
Volume: 25Mix: 8.06%of portfolio
Place
Sound

Top States by Place Specialization Score

1
MOState
Volume: 266Mix: 85.81%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.