Applications / Mortgage Analytics / Lenders / Missouri / Missouri Credit Union
Columbia, MO · Credit union · NCUA · $593 million assets · 28 loans in 2025
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28
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Missouri Credit Union, a Columbia lender reporting since 1990, made just 28 mortgages in 2025, against 188 the year before.
Its loans fell 85%, while similar lenders, credit unions making between half and twice as many loans, slipped 3% and the whole market grew 10%. The figures give no reason for the fall. Whether it reflects less lending or a change in what was reported is a question for the next filing.
In Columbia, its largest market, its share fell from 2.7% to 0.3% and it ranked 46 of 268 lenders; Wells Fargo Bank led there. Its share in Jefferson City fell from 1.4% to 0.1%. Both falls may simply follow from its own drop in volume rather than from any one rival.
It made 768 loans in 2020 and 704 in 2021, then fell to 266 in 2022 and to 188 by 2024. All its loans have been conventional throughout. It merged with Missouri State Credit Union in 2005, and lends in 9 counties, all in Missouri.
Purchases made up most of its 28 loans in 2025, and its typical loan was larger than at most similar lenders. On so few loans those figures, like its shares of lending to particular borrowers or neighborhoods, say little on their own.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Missouri Credit Union took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.3% · Refinance 10.7%
Conventional 100.0% · of 28 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 | 28 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 19 |
| Jefferson City | 3 |
| Springfield | 2 |
| Cape Girardeau | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MQ4IB3OO2XR831 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 292485 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565656 | 1990–2017 |
Established 1 January 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Missouri Credit Union's data.
Missouri Credit Union's data
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Missouri 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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