What loan types does MISSOURI Credit Union offer?

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

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 an overall pricing score of 91.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MISSOURI Credit Union?

MISSOURI Credit Union is a Credit Union headquartered in Columbia, MO.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

MISSOURI Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+3.2 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

188 loans · 0.03% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

144 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

Refinance

44 loans · 0.08% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Strong	Strong	Exceptional	Sound	188	100.0%	+0.032%Above	$646Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Acceptable	144	76.6%	+0.067%Above	$601Fees
Refinance	Strong	Sound	Exceptional	Strong	44	23.4%	-0.082%Below	$793Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Columbia, MOMetro

Volume 108Mix 57.45% of portfolio

87/100

Exceptional

Jefferson City, MOMetro

Volume 36Mix 19.15% of portfolio

71/100

Strong

Top States by Place Specialization Score

MissouriState

Volume 188Mix 100.00% of portfolio

74/100

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.