# CO-OP Credit Union

> **Canonical URL:** https://saferate.com/lenders/co-op-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


CO-OP Credit Union is a credit union, headquartered in Black River Falls, WI, serving borrowers across 2 states, with 181 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HZKPV04SFK9K27
- **Headquarters:** Black River Falls, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.272%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $552
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 181
- **Dollar Volume:** $34 million
- **Applications Received:** 214
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $187,044
- **Average Borrower Income:** $96,309
- **Average Property Value:** $269,365

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 181 | +0.272% | $552 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 115 loans, Score: 44/100 (Sound)
- Refinance: 66 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 115 | $21M | +0.305% | Sound ☺️ |
| Refinance | 50/100 | 66 | $13M | +0.221% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 172 | 0.26% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 148 | 66/100 |
| La Crosse | WI-MN | 16 | 52/100 |
| Eau Claire, WI | WI | 10 | 47/100 |

## Where This Lender Ranks

CO-OP Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Eau Claire, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in La Crosse for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#19** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🏆 **#20** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#20** in La Crosse for Conventional Loans
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CO-OP Credit Union offer?

CO-OP 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 CO-OP Credit Union offer mortgages?

CO-OP Credit Union offers mortgages in 2 states: MN, WI.

### How competitive are CO-OP Credit Union's mortgage rates?

CO-OP Credit Union has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.272% above market average.

### What type of lender is CO-OP Credit Union?

CO-OP Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Black River Falls, WI.

### What is CO-OP Credit Union's loan approval success rate?

CO-OP Credit Union has a pull-through score of 61/100 (Strong). 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/co-op-credit-union

### How to Cite

> "CO-OP Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/co-op-credit-union

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