What loan types does Mission offer?

Mission offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Mission offer mortgages?

Mission offers mortgages in 1 states: CA.

How competitive are Mission's mortgage rates?

Mission has an overall pricing score of 93.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mission?

Mission is a Credit Union headquartered in San Diego, CA.

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Mission

Credit Union•San Diego, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Mission — 405 loans across 615 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

Sound

3/5

closing strength

Product

Exceptional

5/5

Conventional · Jumbo

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Champion

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 82.00 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Mission performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 82.0 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

277 loans · 0.75% below market

Sound

Top 60% of lenders

3/5

Jumbo

128 loans · 1.02% below market

Exceptional

Top 20% of lenders

5/5

By Loan Purpose· Transaction purpose mix

Purchase

365 loans · 0.82% below market

Strong

Top 40% of lenders

4/5

Refinance

40 loans · 0.79% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	277	68.4%	-0.754%Below	$474Credit
Jumbo Loans	Exceptional	Exceptional	Exceptional	Strong	128	31.6%	-1.021%Below	$1,401Credit

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume277

Mix68.4%

Spread

-0.754%Below

Fees

$474Credit

Jumbo Loans

Overall

Exceptional

Product

Exceptional

Pricing

Exceptional

Pull Through

Strong

Volume128

Mix31.6%

Spread

-1.021%Below

Fees

$1,401Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Sound	365	90.1%	-0.824%Below	$520Credit
Refinance	Strong	Sound	Exceptional	Sound	40	9.9%	-0.790%Below	$2,190Credit

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume365

Mix90.1%

Spread

-0.824%Below

Fees

$520Credit

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume40

Mix9.9%

Spread

-0.790%Below

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

San Diego, CAMetro

Volume 396Mix 97.78% of portfolio

88/100

Exceptional

Top States by Place Specialization Score

CaliforniaState

Volume 405Mix 100.00% of portfolio

75/100

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.