What loan types does Spire Credit Union offer?

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

Where does Spire Credit Union offer mortgages?

Spire Credit Union offers mortgages in 14 states: AL, AR, AZ, CO, FL, IA, IL, MN, ND, NE, NV, SC, VT, WI.

How competitive are Spire Credit Union's mortgage rates?

Spire Credit Union has an overall pricing score of 66/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Spire Credit Union?

Spire Credit Union is a Credit Union headquartered in Falcon Heights, MN.

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Spire Credit Union

Credit Union•Falcon Heights, MNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Spire Credit Union — 570 loans across 882 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

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

Spire Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+4.1 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

567 loans · 0.04% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

377 loans · 0.00% below market

Sound

Top 60% of lenders

3/5

Refinance

193 loans · 0.13% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Sound	Sound	Strong	Sound	567	99.5%	+0.043%Above	$1,060Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume567

Mix99.5%

Spread

+0.043%Above

Fees

$1,060Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	377	66.1%	-0.004%Below	$1,718Fees
Refinance	Strong	Strong	Exceptional	Strong	193	33.9%	+0.134%Above	$248Credit

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume377

Mix66.1%

Spread

-0.004%Below

Fees

$1,718Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume193

Mix33.9%

Spread

+0.134%Above

Fees

$248Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

570

Applications

882

Volume

$144 million

Pricing & Closing

Avg Rate Spread

+0.041%

vs. market APOR

Avg Net Fees

$1,074

Origination − Credits

Pullthrough Rate

64.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$254,053

Avg Borrower Income

$122,177

Avg Property Value

$382,684

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

14Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast1

Midwest6

IAILMNNDNEWI

South4

ALARFLSC

West3

AZCONV

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 424Mix 74.39% of portfolio

83/100

Exceptional

St. Cloud, MNMetro

Volume 12Mix 2.11% of portfolio

45/100

Sound

Top States by Place Specialization Score

MinnesotaState

Volume 527Mix 92.46% of portfolio

84/100

Exceptional

WisconsinState

Volume 15Mix 2.63% of portfolio

43/100

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.