# COVANTAGE CREDIT UNION

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


COVANTAGE CREDIT UNION is a credit union, headquartered in Antigo, WI, serving borrowers across 6 states, with 1,547 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900CIEUZUO7CHPG88
- **Headquarters:** Antigo, WI
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, FL, IL, MI, MN, WI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.104%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $746
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,547
- **Dollar Volume:** $299 million
- **Applications Received:** 2,701
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $193,119
- **Average Borrower Income:** $98,833
- **Average Property Value:** $271,317

## Safe Rate Awards 🏆

- 💎 **Refinance Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 1,542 | +0.104% | $746 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,001 loans, Score: 82/100 (Exceptional)
- Refinance: 541 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 1,004 | $205M | +0.030% | Strong 😀 |
| Refinance | 82/100 | 543 | $94M | +0.168% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 1,307 | 1.98% | 94/100 |
| MI | 109 | 0.10% | 61/100 |
| IL | 21 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 900 | 79/100 |
| Wausau, WI | WI | 365 | 100/100 |
| Green Bay, WI | WI | 101 | 80/100 |
| Appleton, WI | WI | 74 | 70/100 |
| Oshkosh | WI | 42 | 65/100 |
| Chicago | IL | 18 | 44/100 |
| Milwaukee | WI | 14 | 43/100 |

## Where This Lender Ranks

COVANTAGE CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wausau, WI
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders)
- 🥇 **#1** in Wausau, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Wausau, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Green Bay, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Oshkosh for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Green Bay, WI Credit Unions
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Appleton, WI Credit Unions
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Appleton, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Green Bay, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Oshkosh Credit Unions
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Appleton, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Oshkosh for Conventional Loans
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Green Bay, WI
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders)
- 🏆 **#7** in Appleton, WI
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders)
- 🏆 **#7** in Oshkosh
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders)
- 🏆 **#9** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🏆 **#11** in Wisconsin for Conventional Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does COVANTAGE CREDIT UNION offer?

COVANTAGE 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 COVANTAGE CREDIT UNION offer mortgages?

COVANTAGE CREDIT UNION offers mortgages in 6 states: AZ, FL, IL, MI, MN, WI.

### How competitive are COVANTAGE CREDIT UNION's mortgage rates?

COVANTAGE CREDIT UNION has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.104% above market average.

### What type of lender is COVANTAGE CREDIT UNION?

COVANTAGE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Antigo, WI.

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

COVANTAGE CREDIT UNION has a pull-through score of 65/100 (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/covantage-credit-union

### How to Cite

> "COVANTAGE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/covantage-credit-union

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