# University of Wisconsin Credit Union

> **Canonical URL:** https://saferate.com/lenders/university-of-wisconsin-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


University of Wisconsin Credit Union is a credit union, headquartered in Madison, WI, serving borrowers across 3 states, with 2,611 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900CN1DD55MJDFH69
- **Headquarters:** Madison, WI
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IL, MN, WI
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.153%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $387
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,611
- **Dollar Volume:** $789 million
- **Applications Received:** 3,525
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $302,300
- **Average Borrower Income:** $145,021
- **Average Property Value:** $424,786

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 2,569 | +0.150% | $391 | Exceptional 🤩 |
| FHA | 52/100 | 16 | +0.389% | $821 | Sound ☺️ |
| Jumbo | 70/100 | 20 | +0.348% | $-2,135 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,076 loans, Score: 85/100 (Exceptional)
- Refinance: 493 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 2,110 | $655M | +0.168% | Exceptional 🤩 |
| Refinance | 82/100 | 501 | $134M | +0.087% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 2,546 | 3.86% | 100/100 |
| IL | 38 | 0.03% | 48/100 |
| MN | 27 | 0.04% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Madison, WI | WI | 1,316 | 100/100 |
| Milwaukee | WI | 692 | 93/100 |
| Non |  | 270 | 62/100 |
| Janesville | WI | 82 | 80/100 |
| Racine | WI | 31 | 59/100 |
| Green Bay, WI | WI | 28 | 56/100 |
| La Crosse | WI-MN | 27 | 54/100 |
| Minneapolis | MN-WI | 26 | 47/100 |
| Chicago | IL | 23 | 45/100 |
| Oshkosh | WI | 23 | 54/100 |
| Appleton, WI | WI | 18 | 48/100 |
| Fond du Lac, WI | WI | 17 | 52/100 |
| Wausau, WI | WI | 17 | 47/100 |
| Kenosha, WI | WI | 10 | 40/100 |

## Where This Lender Ranks

University of Wisconsin Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Madison, WI Credit Unions
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Madison, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Madison, WI for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Milwaukee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in La Crosse for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Wisconsin for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Wisconsin for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Madison, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Milwaukee for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Janesville Credit Unions
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Janesville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in La Crosse Credit Unions
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Kenosha, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Wisconsin for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Madison, WI
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders)
- 🏆 **#4** in Madison, WI for Jumbo Loans
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Milwaukee Credit Unions
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Milwaukee for Conventional Loans
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Racine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in La Crosse for Conventional Loans
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does University of Wisconsin Credit Union offer?

University of Wisconsin Credit Union offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does University of Wisconsin Credit Union offer mortgages?

University of Wisconsin Credit Union offers mortgages in 3 states: IL, MN, WI.

### How competitive are University of Wisconsin Credit Union's mortgage rates?

University of Wisconsin Credit Union has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.153% above market average.

### What type of lender is University of Wisconsin Credit Union?

University of Wisconsin Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Madison, WI.

### What is University of Wisconsin Credit Union's loan approval success rate?

University of Wisconsin Credit Union has a pull-through score of 78/100 (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/university-of-wisconsin-credit-union

### How to Cite

> "University of Wisconsin Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/university-of-wisconsin-credit-union

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