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Mission

Credit UnionSan Diego, CAHQDirectReviews near you on Google

We analyzed every closed loan from Mission 405 loans across 615 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Exceptional
5/5
Single State · 1 mkts
Safe Rate Awards
Jumbo Champion
Jumbo
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 82.00 basis points below market average
  • Lower than average lender fees

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Report Card

Mission performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 82.0 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume277
Mix68.4%
Spread
-0.754%Below
Fees
$474Credit
Jumbo Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume128
Mix31.6%
Spread
-1.021%Below
Fees
$1,401Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume365
Mix90.1%
Spread
-0.824%Below
Fees
$520Credit
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume40
Mix9.9%
Spread
-0.790%Below
Fees
$2,190Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
405
Applications
615
Volume
$352 million
Pricing & Closing
Avg Rate Spread
-0.820%
vs. market APOR
Avg Net Fees
$-704
Origination − Credits
Pullthrough Rate
65.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$869,889
Avg Borrower Income
$256,059
Avg Property Value
$1,151,617

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

Volume 396Mix 97.78% of portfolio
88/100
Exceptional

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 405Mix 100.00% of portfolio
75/100
Strong

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.