# MISSOURI Credit Union

> **Canonical URL:** https://saferate.com/lenders/missouri-credit-union

> **📋 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

MISSOURI Credit Union is a credit union, headquartered in Columbia, MO, with 188 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300MQ4IB3OO2XR831
- **Headquarters:** Columbia, MO
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.032%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $646
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 188
- **Dollar Volume:** $46 million
- **Applications Received:** 663
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $247,128
- **Average Borrower Income:** $120,915

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 188 | +0.032% | $646 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 144 loans, Score: 59/100 (Sound)
- Refinance: 44 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 144 | $36M | +0.067% | Sound ☺️ |
| Refinance | 60/100 | 44 | $10M | -0.082% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 188 | 0.25% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbia, MO | MO | 108 | 87/100 |
| Jefferson City, MO | MO | 36 | 71/100 |
| Non |  | 30 | 39/100 |

## Frequently Asked Questions

### What loan types does MISSOURI Credit Union offer?

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

### Where does MISSOURI Credit Union offer mortgages?

MISSOURI Credit Union offers mortgages in 1 states: MO.

### How competitive are MISSOURI Credit Union's mortgage rates?

MISSOURI Credit Union has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.032% above market average.

### What type of lender is MISSOURI Credit Union?

MISSOURI Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Columbia, MO.

### What is MISSOURI Credit Union's loan approval success rate?

MISSOURI Credit Union has a pull-through score of 44/100 (Sound). 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/missouri-credit-union

### How to Cite

> "MISSOURI Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/missouri-credit-union

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