# 1st Community Credit Union

> **Canonical URL:** https://saferate.com/lenders/1st-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


1st Community Credit Union is a independent mortgage company, headquartered in Sparta, WI, with 53 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493006FUC5WGWNUXC12
- **Headquarters:** Sparta, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.758%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $450
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 53
- **Dollar Volume:** $10 million
- **Applications Received:** 106
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $195,000
- **Average Borrower Income:** $90,642
- **Average Property Value:** $308,774

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 53 | +0.758% | $450 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 22 loans, Score: 18/100 (Mediocre)
- Refinance: 31 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 19/100 | 22 | $4M | +0.840% | Mediocre 😐 |
| Refinance | 37/100 | 31 | $6M | +0.702% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 53 | 0.08% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 39 | 50/100 |
| La Crosse | WI-MN | 14 | 53/100 |

## Where This Lender Ranks

1st Community Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in La Crosse for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does 1st Community Credit Union offer?

1st Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1st Community Credit Union offer mortgages?

1st Community Credit Union offers mortgages in 1 states: WI.

### How competitive are 1st Community Credit Union's mortgage rates?

1st Community Credit Union has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.758% above market average.

### What type of lender is 1st Community Credit Union?

1st Community Credit Union is a non-depository lender that specializes in mortgage origination, headquartered in Sparta, WI.

### What is 1st Community Credit Union's loan approval success rate?

1st Community Credit Union has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-community-credit-union

### How to Cite

> "1st Community Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-community-credit-union

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