Applications / Mortgage Analytics / Lenders / Missouri / BluCurrent Credit Union
Springfield, MO · Credit union · NCUA · $387 million assets · 530 loans in 2025
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530
loans originated, 2025
768
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BluCurrent Credit Union is a Missouri credit union that lends mostly for home improvement and other purposes, and its 530 loans in 2025 were 14% more than in 2024, faster than similar lenders and the whole market.
Home improvement made up 35.7% of its loans and other purposes 26.6%; purchases were 24.3% and refinances 13.4%. All of its loans were conventional. Its typical loan, $85,000, was smaller than at about four in five similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000; a mix weighted toward home-improvement loans is one ordinary reason.
Originations rose 14%, against 5% at similar lenders and 10% for the whole market, faster than about two-thirds of its peers. Its yearly count has risen from 251 in 2018 to 530, with a dip in 2023 after 553 in 2022.
In Springfield, MO, its largest market, it ranked 16 of 351 lenders with 2.0%, down 0.2 points from 2.2%; Flat Branch Mortgage led the market. Shares are measured in dollars, and its typical loan fell from $95,000 to $85,000 while its loan count rose, which could account for a small fall.
None of its loans were in majority-minority areas, against 10.8% at similar lenders. That may reflect the markets it serves, mainly Springfield and non-metro Missouri. LMI (low- and moderate-income) borrowers took 25.5% of its loans, a little below peers' 27.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BluCurrent Credit Union took 768 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.7% · Other 26.6% · Purchase 24.3% · Refinance 13.4%
Conventional 100.0% · of 530 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 | 527 | 99.4% |
| Arkansas | 1 | 0.2% |
| Kansas | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 444 |
| Joplin | 10 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PHPKOL5FJ7D438 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 696391 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561790 | 1990–2017 |
Established 1 January 1929. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BluCurrent Credit Union's data.
BluCurrent Credit Union's data
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BluCurrent Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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