What loan types does I. H. Mississippi Valley Credit Union offer?

I. H. Mississippi Valley Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does I. H. Mississippi Valley Credit Union offer mortgages?

I. H. Mississippi Valley Credit Union offers mortgages in 11 states: AL, AR, AZ, FL, GA, IA, IL, MO, NC, TN, TX.

How competitive are I. H. Mississippi Valley Credit Union's mortgage rates?

I. H. Mississippi Valley Credit Union has an overall pricing score of 89.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is I. H. Mississippi Valley Credit Union?

I. H. Mississippi Valley Credit Union is a Credit Union headquartered in Moline, IL.

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I. H. Mississippi Valley Credit Union

Credit Union•Moline, ILHQ•Direct•Reviews near you on Google

We analyzed every closed loan from I. H. Mississippi Valley Credit Union — 568 loans across 740 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Champion

Purchase

Champion

Refinance

Superstar

Summary

What They Do Well

Offers rates 36.10 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

I. H. Mississippi Valley Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 36.1 bps below market avg

5/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

565 loans · 0.36% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

439 loans · 0.36% below market

Strong

Top 40% of lenders

4/5

Refinance

129 loans · 0.37% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Exceptional	Strong	Exceptional	Exceptional	565	99.5%	-0.357%Below	$1,228Fees

Conventional

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Exceptional

Volume565

Mix99.5%

Spread

-0.357%Below

Fees

$1,228Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Exceptional	Strong	Exceptional	Exceptional	439	77.3%	-0.358%Below	$1,293Fees
Refinance	Strong	Strong	Strong	Strong	129	22.7%	-0.372%Below	$975Fees

Purchase

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Exceptional

Volume439

Mix77.3%

Spread

-0.358%Below

Fees

$1,293Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume129

Mix22.7%

Spread

-0.372%Below

Fees

$975Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

568

Applications

740

Volume

$104 million

Pricing & Closing

Avg Rate Spread

-0.361%

vs. market APOR

Avg Net Fees

$1,224

Origination − Credits

Pullthrough Rate

76.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$183,680

Avg Borrower Income

$106,507

Avg Property Value

$246,285

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

11Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest3

IAILMO

South7

ALARFLGANCTNTX

West1

Top Metro Areas by Place Specialization Score

Davenport, IA-ILMetro

Volume 454Mix 79.93% of portfolio

100/100

Exceptional

Des Moines, IAMetro

Volume 18Mix 3.17% of portfolio

49/100

Sound

Top States by Place Specialization Score

IllinoisState

Volume 356Mix 62.68% of portfolio

79/100

Strong

IowaState

Volume 202Mix 35.56% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.