# VERVE, A CREDIT UNION > **Canonical URL:** https://saferate.com/lenders/verve-a-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 VERVE, A CREDIT UNION is a credit union, headquartered in Oshkosh, WI, serving borrowers across 3 states, with 149 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 18% of lenders for competitive rates - **Approval Rate:** Ranks in the top 49% for loan approval success ## Overview - **Institution Type:** Credit Union - **LEI (Legal Entity Identifier):** 549300P6ZERWX5BPWX45 - **Headquarters:** Oshkosh, WI - **Geographic Reach:** Regional - **States Served:** 3 - **State List:** IL, MN, WI - **Markets (MSAs):** 4 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Exceptional 🀩 - Score: 82/100 - Rating: ●●●●● (5/5) ### Pull Through: Sound ☺️ - Score: 51/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** -0.077% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $654 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 149 - **Dollar Volume:** $36 million - **Applications Received:** 208 - **Market Share:** 0.00% ## Typical Borrower Profile - **Average Loan Amount:** $238,960 - **Average Borrower Income:** $123,523 - **Average Property Value:** $345,676 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (71%) - ⭐ **Purchase Gold Superstar** (65%) - ⭐ **Refinance Gold Superstar** (71%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 55/100 | 149 | -0.072% | $654 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 113 loans, Score: 54/100 (Sound) - Refinance: 36 loans, Score: 56/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 53/100 | 113 | $29M | -0.067% | Sound ☺️ | | Refinance | 55/100 | 36 | $7M | -0.106% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | WI | 145 | 0.22% | 74/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Oshkosh | WI | 68 | 80/100 | | Fond du Lac, WI | WI | 28 | 69/100 | | Non | | 23 | 36/100 | | Appleton, WI | WI | 14 | 50/100 | ## Where This Lender Ranks VERVE, A CREDIT UNION appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Oshkosh Credit Unions - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions) - πŸ₯‰ **#3** 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† **#4** in Oshkosh - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders) - πŸ† **#4** in Oshkosh for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#7** in Oshkosh for Conventional Loans - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Fond du Lac, WI - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders) - πŸ† **#8** in Fond du Lac, WI for Conventional Loans - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Appleton, WI for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#14** in Wisconsin for Conventional Loans (Credit Unions) - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans) - πŸ† **#15** in Wisconsin Credit Unions - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions) ## Frequently Asked Questions ### What loan types does VERVE, A CREDIT UNION offer? VERVE, A 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 VERVE, A CREDIT UNION offer mortgages? VERVE, A CREDIT UNION offers mortgages in 3 states: IL, MN, WI. ### How competitive are VERVE, A CREDIT UNION's mortgage rates? VERVE, A CREDIT UNION has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.077% below market average. ### What type of lender is VERVE, A CREDIT UNION? VERVE, A CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oshkosh, WI. ### What is VERVE, A CREDIT UNION's loan approval success rate? VERVE, A CREDIT UNION has a pull-through score of 51/100 (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/verve-a-credit-union ### How to Cite > "VERVE, A CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/verve-a-credit-union --- **[View Interactive Profile β†’](https://saferate.com/lenders/verve-a-credit-union)**