# CONSUMERS COOPERATIVE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/consumers-cooperative-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


CONSUMERS COOPERATIVE CREDIT UNION is a credit union, headquartered in Gurnee, IL, serving borrowers across 13 states, with 263 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004K0Z4RFJSPYT52
- **Headquarters:** Gurnee, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AZ, FL, GA, IL, IN, MO, NC, OH, PA, SC, TN, TX, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.056%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,105
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 263
- **Dollar Volume:** $66 million
- **Applications Received:** 402
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,905
- **Average Borrower Income:** $134,897
- **Average Property Value:** $363,099

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 261 | -0.055% | $1,110 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 189 loans, Score: 50/100 (Sound)
- Refinance: 72 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 189 | $52M | -0.074% | Sound ☺️ |
| Refinance | 60/100 | 74 | $14M | -0.004% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 187 | 0.15% | 74/100 |
| WI | 31 | 0.05% | 54/100 |
| FL | 16 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lake County, IL | IL | 95 | 88/100 |
| Chicago | IL | 73 | 64/100 |
| Non |  | 17 | 29/100 |
| Kenosha, WI | WI | 14 | 51/100 |

## Where This Lender Ranks

CONSUMERS COOPERATIVE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Lake County, IL Credit Unions
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Lake County, IL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Lake County, IL
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders)
- 🏆 **#8** in Kenosha, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does CONSUMERS COOPERATIVE CREDIT UNION offer?

CONSUMERS COOPERATIVE 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 CONSUMERS COOPERATIVE CREDIT UNION offer mortgages?

CONSUMERS COOPERATIVE CREDIT UNION offers mortgages in 13 states: AZ, FL, GA, IL, IN, MO, NC, OH, PA, SC, TN, TX, WI.

### How competitive are CONSUMERS COOPERATIVE CREDIT UNION's mortgage rates?

CONSUMERS COOPERATIVE CREDIT UNION has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.056% below market average.

### What type of lender is CONSUMERS COOPERATIVE CREDIT UNION?

CONSUMERS COOPERATIVE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Gurnee, IL.

### What is CONSUMERS COOPERATIVE CREDIT UNION's loan approval success rate?

CONSUMERS COOPERATIVE CREDIT UNION has a pull-through score of 48/100 (Sound). 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/consumers-cooperative-credit-union

### How to Cite

> "CONSUMERS COOPERATIVE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/consumers-cooperative-credit-union

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