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MISSOURI Credit Union

Credit Union•Columbia, MOHQ•Direct•Reviews near you on Google

MISSOURI Credit Union has 188 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
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Single State · 2 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

MISSOURI Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+3.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% 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
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume188
Mix100.0%
Spread
+0.032%Above
Fees
$646Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume144
Mix76.6%
Spread
+0.067%Above
Fees
$601Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume44
Mix23.4%
Spread
-0.082%Below
Fees
$793Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
188
Applications
663
Volume
$46 million
Pricing & Closing
Avg Rate Spread
+0.032%
vs. market APOR
Avg Net Fees
$646
Origination − Credits
Pullthrough Rate
28.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$247,128
Avg Borrower Income
$120,915
Avg Property Value
$338,777

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MO

Top Metro Areas by Place Specialization Score

1© Thomas Kirchel · CC BY-SA 4.0
Columbia, MOMetro
Volume 108Mix 57.45% of portfolio
87/100
Exceptional
2© Katherine Dowler · CC BY-SA 3.0
Jefferson City, MOMetro
Volume 36Mix 19.15% of portfolio
71/100
Strong

Top States by Place Specialization Score

Missouri
Missouri
1
MissouriState
Volume 188Mix 100.00% of portfolio
74/100
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.