# Westby Co-op Credit Union

> **Canonical URL:** https://saferate.com/lenders/westby-co-op-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


Westby Co-op Credit Union is a credit union, headquartered in Westby, US, with 199 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 894500PCG3NCYFXK0D60
- **Headquarters:** Westby, US
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.057%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $643
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 199
- **Dollar Volume:** $33 million
- **Applications Received:** 250
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $165,704
- **Average Borrower Income:** $90,462
- **Average Property Value:** $262,136

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 193 | +0.058% | $644 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 97 loans, Score: 47/100 (Sound)
- Refinance: 96 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 103 | $18M | +0.069% | Sound ☺️ |
| Refinance | 68/100 | 96 | $15M | +0.042% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 199 | 0.30% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 143 | 65/100 |
| La Crosse | WI-MN | 43 | 67/100 |

## Where This Lender Ranks

Westby Co-op Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in La Crosse Credit Unions
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in La Crosse for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in La Crosse
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders)
- 🏆 **#7** in La Crosse for Conventional Loans
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Wisconsin for USDA Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/usda-loans)
- 🏆 **#12** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🏆 **#15** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Westby Co-op Credit Union offer?

Westby Co-op 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 Westby Co-op Credit Union offer mortgages?

Westby Co-op Credit Union offers mortgages in 1 states: WI.

### How competitive are Westby Co-op Credit Union's mortgage rates?

Westby Co-op Credit Union has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.057% above market average.

### What type of lender is Westby Co-op Credit Union?

Westby Co-op Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Westby, US.

### What is Westby Co-op Credit Union's loan approval success rate?

Westby Co-op Credit Union has a pull-through score of 65/100 (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/westby-co-op-credit-union

### How to Cite

> "Westby Co-op Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/westby-co-op-credit-union

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