Applications / Mortgage Analytics / Lenders / Missouri / Mece Credit Union
Jefferson City, MO · Credit union · NCUA · $366 million assets · 70 loans in 2025
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70
loans originated, 2025
102
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mece Credit Union, a Jefferson City lender, made 70 home loans in 2025, nearly four times as many as in 2024 but a quarter of its 2020 total.
Its loans rose 289%, from 18 to 70, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. Few similar lenders grew faster. The rebound follows four years of decline, from 278 loans in 2020 to 18 in 2024, and the data do not say what drove either move.
Its typical loan was $225,000, against $95,000 at similar lenders, larger than at almost nine in ten of them. All its loans were for a home purchase or a refinance, with no home-improvement or other lending, which pushes the typical size up. That is why its $17.6 million of loans sits above most peers' totals while its loan count sits near the middle.
Only 9.1% of its loans went to low- and moderate-income (LMI) borrowers, against 30.9% at similar lenders, and none went to majority-minority neighborhoods. There are ordinary reasons this may be so. Larger purchase and refinance loans tend to go to borrowers with higher incomes, and the parts of Missouri where it lends may have few majority-minority neighborhoods. None of its loans was higher-priced (a rate well above the average for similar loans).
It ranks 68 of 189 lenders in Jefferson City, with a 0.1% share, unchanged from 2024. Flat Branch Mortgage leads that market with $128.6M. In Springfield and Columbia its share rose by 0.1 points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mece Credit Union took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.7% · Refinance 44.3%
Conventional 100.0% · of 70 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 | 64 | 91.4% |
| Iowa | 1 | 1.4% |
| Oklahoma | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 10 |
| Jefferson City | 5 |
| Kansas City | 3 |
| Columbia | 2 |
| St. Joseph | 2 |
| St. Louis | 2 |
| Cape Girardeau | 1 |
| Des Moines-West Des Moines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y4GAAGXS20SL80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 281498 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567739 | 2004–2017 |
Established 1 January 1975. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Mece Credit Union's data.
Mece Credit Union's data
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Mece 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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