# FIREFIGHTERS CREDIT UNION

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


FIREFIGHTERS CREDIT UNION is a credit union, headquartered in Onalaska, WI, with 21 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 75% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900TTMRDRR2EQSI59
- **Headquarters:** Onalaska, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 20/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.800%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $754
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 21
- **Dollar Volume:** $6 million
- **Applications Received:** 51
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $298,810
- **Average Borrower Income:** $122,000
- **Average Property Value:** $407,381

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 21 | +0.800% | $754 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 14 | $4M | +0.749% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 21 | 0.03% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| La Crosse | WI-MN | 16 | 58/100 |

## Where This Lender Ranks

FIREFIGHTERS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in La Crosse for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

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

FIREFIGHTERS 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 FIREFIGHTERS CREDIT UNION offer mortgages?

FIREFIGHTERS CREDIT UNION offers mortgages in 1 states: WI.

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

FIREFIGHTERS CREDIT UNION has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.800% above market average.

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

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

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

FIREFIGHTERS CREDIT UNION has a pull-through score of 25/100 (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/firefighters-credit-union

### How to Cite

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

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