What loan types does Listerhill Credit Union offer?

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

Where does Listerhill Credit Union offer mortgages?

Listerhill Credit Union offers mortgages in 5 states: AL, FL, MI, MS, TN.

How competitive are Listerhill Credit Union's mortgage rates?

Listerhill Credit Union has an overall pricing score of 44.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Listerhill Credit Union?

Listerhill Credit Union is a Credit Union headquartered in Muscle Shoals, AL.

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Listerhill Credit Union

Credit Union•Muscle Shoals, ALHQ•Direct•Reviews near you on Google

Listerhill Credit Union has 190 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Sound

3/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Listerhill Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+21.1 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

177 loans · 0.21% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

110 loans · 0.03% above market

Sound

Top 60% of lenders

3/5

Refinance

80 loans · 0.47% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Exceptional	177	93.2%	+0.209%Above	$2,293Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume177

Mix93.2%

Spread

+0.209%Above

Fees

$2,293Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	110	57.9%	+0.032%Above	$2,654Fees
Refinance	Strong	Strong	Acceptable	Exceptional	80	42.1%	+0.467%Above	$1,779Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume110

Mix57.9%

Spread

+0.032%Above

Fees

$2,654Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume80

Mix42.1%

Spread

+0.467%Above

Fees

$1,779Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

190

Applications

230

Volume

$41 million

Pricing & Closing

Avg Rate Spread

+0.211%

vs. market APOR

Avg Net Fees

$2,294

Origination − Credits

Pullthrough Rate

82.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$217,211

Avg Borrower Income

$105,389

Avg Property Value

$321,947

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest1

South4

ALFLMSTN

Top Metro Areas by Place Specialization Score

Florence, ALMetro

Volume 88Mix 46.32% of portfolio

86/100

Exceptional

Decatur, ALMetro

Volume 13Mix 6.84% of portfolio

52/100

Sound

Nashville, TNMetro

Volume 17Mix 8.95% of portfolio

50/100

Sound

Huntsville, ALMetro

Volume 13Mix 6.84% of portfolio

49/100

Sound

Top States by Place Specialization Score

AlabamaState

Volume 162Mix 85.26% of portfolio

78/100

Strong

TennesseeState

Volume 25Mix 13.16% of portfolio

51/100

Sound

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.