# FOX COMMUNITIES Credit Union

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


FOX COMMUNITIES Credit Union is a credit union, headquartered in Appleton, WI, serving borrowers across 6 states, with 708 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 15% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FUMS21JPQM1N03
- **Headquarters:** Appleton, WI
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, IL, MI, MN, MO, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.144%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $524
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 708
- **Dollar Volume:** $160 million
- **Applications Received:** 869
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,946
- **Average Borrower Income:** $104,040
- **Average Property Value:** $318,220

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 706 | -0.143% | $525 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 491 loans, Score: 72/100 (Strong)
- Refinance: 215 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 493 | $127M | -0.130% | Strong 😀 |
| Refinance | 75/100 | 215 | $33M | -0.175% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 701 | 1.06% | 89/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Green Bay, WI | WI | 238 | 99/100 |
| Appleton, WI | WI | 199 | 88/100 |
| Non |  | 164 | 60/100 |
| Oshkosh | WI | 86 | 80/100 |

## Where This Lender Ranks

FOX COMMUNITIES Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Green Bay, WI
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders)
- 🥇 **#1** in Green Bay, WI Credit Unions
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🥈 **#2** 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)
- 🥈 **#2** in Appleton, WI
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders)
- 🥈 **#2** in Appleton, WI Credit Unions
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Appleton, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Appleton, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Oshkosh
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders)
- 🥈 **#2** in Oshkosh Credit Unions
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Oshkosh for Conventional Loans
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Oshkosh for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🏆 **#4** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Green Bay, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Wisconsin for Conventional Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does FOX COMMUNITIES Credit Union offer?

FOX COMMUNITIES 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 FOX COMMUNITIES Credit Union offer mortgages?

FOX COMMUNITIES Credit Union offers mortgages in 6 states: FL, IL, MI, MN, MO, WI.

### How competitive are FOX COMMUNITIES Credit Union's mortgage rates?

FOX COMMUNITIES Credit Union has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.144% below market average.

### What type of lender is FOX COMMUNITIES Credit Union?

FOX COMMUNITIES Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Appleton, WI.

### What is FOX COMMUNITIES Credit Union's loan approval success rate?

FOX COMMUNITIES Credit Union has a pull-through score of 85/100 (Exceptional). 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/fox-communities-credit-union

### How to Cite

> "FOX COMMUNITIES Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fox-communities-credit-union

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