M

Mission

Credit UnionSan Diego, CADirect to Consumer

We analyzed every closed loan from Mission 405 loans across 615 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Exceptional
Conventional · Jumbo
Place
Exceptional
Single State · 1 mkts
Safe Rate Awards💎Jumbo ChampionConventional SuperstarPurchase SuperstarRefinance Superstar

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Safe Rate's 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

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 82.0 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
Jumbo
Exceptional
Market Leader
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Exceptional
Market Leader
Top 20% of lenders
Single State1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
Sound
27768.4%
-0.754%Below
$474Credit
Jumbo Loans
Exceptional
Exceptional
Exceptional
Strong
12831.6%
-1.021%Below
$1,401Credit

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Exceptional
Sound
36590.1%
-0.824%Below
$520Credit
Refinance
Strong
Sound
Exceptional
Sound
409.9%
-0.790%Below
$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
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

CA

Top Metro Areas by Place Specialization Score

1
San Diego, CAMSA
Volume: 396Mix: 97.78%of portfolio
Place
Exceptional

Top States by Place Specialization Score

1
CAState
Volume: 405Mix: 100.00%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.