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Listerhill Credit Union
Credit Union|Muscle Shoals, AL|Regional
Loans Originated
190
Applications
230
Volume
$41 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.211%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,294
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
82.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
Listerhill Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 5 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$217,211
Average Borrower Income
$105,389
Average Property Value
$321,947
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Exceptional | 177 | 93.2% | +0.209% | $2,293 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Strong | 110 | 57.9% | +0.032% | $2,654 |
Refinance | Sound | Strong | Acceptable | Exceptional | 80 | 42.1% | +0.467% | $1,779 |
Geographic Coverage
Metro Areas
4
States Served
5
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALFLMIMSTN
Top Metro Areas by Place Specialization Score
1
Florence, ALMSA
Volume: 88Mix: 46.32%
Place Specialization
Exceptional
2
Decatur, AL, ALMSA
Volume: 13Mix: 6.84%
Place Specialization
Sound
3
Nashville, TNMSA
Volume: 17Mix: 8.95%
Place Specialization
Sound
4
Huntsville, AL, ALMSA
Volume: 13Mix: 6.84%
Place Specialization
Sound
Top States by Place Specialization Score
1
ALState
Volume: 162Mix: 85.26%
Place Specialization
Strong
2
TNState
Volume: 25Mix: 13.16%
Place Specialization
Sound
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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