Applications / Mortgage Analytics / Lenders / Missouri / Multipli Federal Credit Union
Jefferson City, MO · Credit union · NCUA · $1.4 billion assets · 1,188 loans in 2025
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1,188
loans originated, 2025
1,492
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Multipli Federal Credit Union grew its originations 71% in 2025 after mergers in 2024 and 2025, and it now ranks third in Jefferson City and fourth in Columbia, Missouri.
Originations rose 71% to 1,188, against a typical 9% at similar lenders (credit unions making between half and twice as many loans), higher than more than nine in ten of them. It merged with Multipli Credit Union in 2024 and Missouri Credit Union in 2025, which may account for part of the rise. Its lending has grown most years since 2018, when it made 152 loans.
In Jefferson City it ranks 3 of 189 lenders, with a share up from 7.1% to 8.9%; in Columbia it ranks 4 of 268, up from 4.4% to 4.9%. In Springfield its share rose from 0.3% to 0.8%. Merged credit unions' filings count in these competition figures, so part of the gain may come from combining lenders.
Home purchase made up 42.5% of its loans, refinancing 23.8%, home improvement 20.9% and other purposes 12.8%. Nearly all were conventional. Its typical loan was $145,000, against $105,000 at similar lenders.
It turned down 3.3% of first-lien home-purchase applications on owner-occupied homes, against 6.2% at similar lenders, and 12.4% of refinance applications, against 21.8%. Its share of loans to low- and moderate-income borrowers, 25.8%, is near the middle of its peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Multipli Federal Credit Union took 1,492 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.5% · Refinance 23.8% · Home improvement 20.9% · Other 12.8%
Conventional 99.8% · VA 0.2% · of 1,188 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 1,184 | 99.7% |
| Arizona | 1 | 0.1% |
| Florida | 1 | 0.1% |
| Kansas | 1 | 0.1% |
| Oklahoma | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 425 |
| Jefferson City | 409 |
| Springfield | 158 |
| Kansas City | 22 |
| St. Louis | 19 |
| Cape Girardeau | 2 |
| Joplin | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Tucson | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HC0CLTNVGA0H76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 581590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564283 | 2003–2017 |
Established 1 January 1954. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Multipli Federal Credit Union's data.
Multipli Federal Credit Union's data
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