# WESTCONSIN Credit Union

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


WESTCONSIN Credit Union is a credit union, headquartered in Menomonie, WI, serving borrowers across 2 states, with 317 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900X6OAHFW6BUT219
- **Headquarters:** Menomonie, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.268%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,018
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 317
- **Dollar Volume:** $75 million
- **Applications Received:** 639
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $238,028
- **Average Borrower Income:** $111,814
- **Average Property Value:** $340,205

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 315 | +0.268% | $1,020 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 237 loans, Score: 62/100 (Strong)
- Refinance: 78 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 239 | $63M | +0.273% | Strong 😀 |
| Refinance | 64/100 | 78 | $13M | +0.254% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 301 | 0.46% | 81/100 |
| MN | 16 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 140 | 62/100 |
| Minneapolis | MN-WI | 96 | 67/100 |
| Eau Claire, WI | WI | 69 | 74/100 |

## Where This Lender Ranks

WESTCONSIN Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** 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)
- 🏆 **#8** in Minneapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Minneapolis Credit Unions
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions)
- 🏆 **#13** in Eau Claire, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Eau Claire, WI
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders)
- 🏆 **#18** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#20** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does WESTCONSIN Credit Union offer?

WESTCONSIN 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 WESTCONSIN Credit Union offer mortgages?

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

### How competitive are WESTCONSIN Credit Union's mortgage rates?

WESTCONSIN Credit Union has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.268% above market average.

### What type of lender is WESTCONSIN Credit Union?

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

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

WESTCONSIN Credit Union has a pull-through score of 39/100 (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/westconsin-credit-union

### How to Cite

> "WESTCONSIN Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/westconsin-credit-union

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