# METRO CU

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

> **📋 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

METRO CU is a credit union, headquartered in Omaha, NE, serving borrowers across 3 states, with 34 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930015EUQKUCIRBQ14
- **Headquarters:** Omaha, NE
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AZ, IA, NE
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.226%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,416
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 34
- **Dollar Volume:** $8 million
- **Applications Received:** 51
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,118
- **Average Borrower Income:** $144,765

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 34 | +0.226% | $1,416 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 24/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 27 | $7M | +0.239% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 31 | 0.14% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Omaha, NE | NE-IA | 32 | 64/100 |

## Frequently Asked Questions

### What loan types does METRO CU offer?

METRO CU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does METRO CU offer mortgages?

METRO CU offers mortgages in 3 states: AZ, IA, NE.

### How competitive are METRO CU's mortgage rates?

METRO CU has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.226% above market average.

### What type of lender is METRO CU?

METRO CU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Omaha, NE.

### What is METRO CU's loan approval success rate?

METRO CU has a pull-through score of 34/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/metro-cu

### How to Cite

> "METRO CU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/metro-cu

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