# Superior Choice Credit Union

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


Superior Choice Credit Union is a credit union, headquartered in Superior, WI, serving borrowers across 2 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493008BSTI0PQR0IL08
- **Headquarters:** Superior, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,058
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $24 million
- **Applications Received:** 284
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $195,569
- **Average Borrower Income:** $104,650
- **Average Property Value:** $261,750

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 123 | -0.155% | $2,058 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 82 loans, Score: 46/100 (Sound)
- Refinance: 41 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 82 | $18M | -0.063% | Sound ☺️ |
| Refinance | 54/100 | 41 | $6M | -0.358% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 104 | 0.16% | 71/100 |
| MN | 17 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Duluth, MN | MN-WI | 66 | 74/100 |
| Non |  | 50 | 50/100 |

## Where This Lender Ranks

Superior Choice Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Duluth, MN Credit Unions
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Duluth, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#20** in Duluth, MN
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Superior Choice Credit Union offer?

Superior Choice 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 Superior Choice Credit Union offer mortgages?

Superior Choice Credit Union offers mortgages in 2 states: MN, WI.

### How competitive are Superior Choice Credit Union's mortgage rates?

Superior Choice Credit Union has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% below market average.

### What type of lender is Superior Choice Credit Union?

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

### What is Superior Choice Credit Union's loan approval success rate?

Superior Choice Credit Union has a pull-through score of 34/100 (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/superior-choice-credit-union

### How to Cite

> "Superior Choice Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/superior-choice-credit-union

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