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Listerhill Credit Union

Credit Union•Muscle Shoals, ALHQ•Direct•Reviews near you on Google

Listerhill Credit Union has 190 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Listerhill Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+21.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume177
Mix93.2%
Spread
+0.209%Above
Fees
$2,293Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume110
Mix57.9%
Spread
+0.032%Above
Fees
$2,654Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume80
Mix42.1%
Spread
+0.467%Above
Fees
$1,779Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
190
Applications
230
Volume
$41 million
Pricing & Closing
Avg Rate Spread
+0.211%
vs. market APOR
Avg Net Fees
$2,294
Origination − Credits
Pullthrough Rate
82.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$217,211
Avg Borrower Income
$105,389
Avg Property Value
$321,947

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MI
South4
ALFLMSTN

Top Metro Areas by Place Specialization Score

1© themidnite (original), Yassie (derivative work · CC BY-SA 3.0
Florence, ALMetro
Volume 88Mix 46.32% of portfolio
86/100
Exceptional
2© Dan · CC BY 2.0
Decatur, ALMetro
Volume 13Mix 6.84% of portfolio
52/100
Sound
3© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 17Mix 8.95% of portfolio
50/100
Sound
4© Unknown authorUnknown author · Public domain
Huntsville, ALMetro
Volume 13Mix 6.84% of portfolio
49/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 162Mix 85.26% of portfolio
78/100
Strong
Tennessee
Tennessee
2
TennesseeState
Volume 25Mix 13.16% of portfolio
51/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.