# MARINE CREDIT UNION > **Canonical URL:** https://saferate.com/lenders/marine-credit-union > **πŸ“‹ 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 MARINE CREDIT UNION is a credit union, headquartered in La Crosse, WI, serving borrowers across 4 states, with 602 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 91% of lenders for competitive rates - **Approval Rate:** Ranks in the top 59% for loan approval success ## Overview - **Institution Type:** Credit Union - **LEI (Legal Entity Identifier):** 5493007DIB8YPDM6NR52 - **Headquarters:** La Crosse, WI - **Geographic Reach:** Regional - **States Served:** 4 - **State List:** IA, IL, MN, WI - **Markets (MSAs):** 13 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Mediocre 😐 - Score: 9/100 - Rating: ●○○○○ (1/5) ### Pull Through: Sound ☺️ - Score: 41/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +1.308% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,606 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 602 - **Dollar Volume:** $90 million - **Applications Received:** 1,943 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $149,120 - **Average Borrower Income:** $86,312 - **Average Property Value:** $218,953 ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 70/100 | 602 | +1.308% | $2,606 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 197 loans, Score: 48/100 (Sound) - Refinance: 405 loans, Score: 81/100 (Exceptional) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 47/100 | 197 | $34M | +1.435% | Sound ☺️ | | Refinance | 80/100 | 405 | $56M | +1.249% | Exceptional 🀩 | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | WI | 461 | 0.70% | 84/100 | | IA | 92 | 0.26% | 64/100 | | MN | 30 | 0.05% | 51/100 | | IL | 19 | 0.02% | 44/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 198 | 64/100 | | Milwaukee | WI | 71 | 66/100 | | Des Moines | IA | 45 | 61/100 | | Fond du Lac, WI | WI | 44 | 75/100 | | Green Bay, WI | WI | 39 | 65/100 | | Eau Claire, WI | WI | 38 | 63/100 | | La Crosse | WI-MN | 28 | 58/100 | | Racine | WI | 21 | 55/100 | | Appleton, WI | WI | 20 | 52/100 | | Davenport | IA-IL | 20 | 52/100 | | Rochester, MN | MN | 16 | 50/100 | | Sheboygan, WI | WI | 12 | 47/100 | | Madison, WI | WI | 11 | 43/100 | ## Where This Lender Ranks MARINE CREDIT UNION appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#4** 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) - πŸ† **#4** in La Crosse Credit Unions - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions) - πŸ† **#5** in La Crosse for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#5** in Rochester, MN for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/rochester-mn/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#6** in Fond du Lac, WI for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#6** in Racine Credit Unions - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions) - πŸ† **#6** in Sheboygan, WI for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#7** in Racine for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#7** in Davenport Credit Unions - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions) - πŸ† **#7** in Appleton, WI Credit Unions - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions) - πŸ† **#8** in Davenport for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#9** in Milwaukee Credit Unions - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions) - πŸ† **#9** in Milwaukee for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#9** in Des Moines Credit Unions - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions) - πŸ† **#9** in Des Moines for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#10** in Green Bay, WI Credit Unions - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions) - πŸ† **#10** 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) - πŸ† **#11** in Appleton, WI for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#12** in Fond du Lac, WI - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders) - πŸ† **#14** in Iowa Credit Unions - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions) ## Frequently Asked Questions ### What loan types does MARINE CREDIT UNION offer? MARINE 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 MARINE CREDIT UNION offer mortgages? MARINE CREDIT UNION offers mortgages in 4 states: IA, IL, MN, WI. ### How competitive are MARINE CREDIT UNION's mortgage rates? MARINE CREDIT UNION has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 1.308% above market average. ### What type of lender is MARINE CREDIT UNION? MARINE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in La Crosse, WI. ### What is MARINE CREDIT UNION's loan approval success rate? MARINE CREDIT UNION has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/marine-credit-union ### How to Cite > "MARINE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/marine-credit-union --- **[View Interactive Profile β†’](https://saferate.com/lenders/marine-credit-union)**