# Wings Financial Credit Union

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


Wings Financial Credit Union is a credit union, headquartered in Apple Valley, MN, serving borrowers across 38 states, with 977 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300HVW3AI97UKTO72
- **Headquarters:** Apple Valley, MN
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, MA, MD, MI, MN, MO, MT, NC, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.244%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,336
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 977
- **Dollar Volume:** $338 million
- **Applications Received:** 1,285
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $346,126
- **Average Borrower Income:** $177,531
- **Average Property Value:** $475,061

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 934 | -0.238% | $1,348 | Strong 😀 |
| Jumbo | 73/100 | 43 | -0.357% | $1,094 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 785 loans, Score: 65/100 (Strong)
- Refinance: 149 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 39 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 824 | $294M | -0.214% | Strong 😀 |
| Refinance | 64/100 | 153 | $44M | -0.403% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 677 | 1.05% | 85/100 |
| WI | 110 | 0.17% | 65/100 |
| FL | 49 | 0.02% | 49/100 |
| MI | 15 | 0.01% | 41/100 |
| GA | 14 | 0.01% | 40/100 |
| CO | 13 | 0.02% | 40/100 |
| AZ | 10 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 571 | 85/100 |
| Non |  | 141 | 56/100 |
| Madison, WI | WI | 46 | 59/100 |
| Atlanta | GA | 10 | 38/100 |

## Where This Lender Ranks

Wings Financial Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Minnesota for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Minneapolis Credit Unions
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Minneapolis for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Minnesota Credit Unions
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Minneapolis
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders)
- 🥉 **#3** in Madison, WI for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Minneapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Minnesota
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders)
- 🏆 **#5** in Madison, WI Credit Unions
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Minnesota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Minnesota for Jumbo Loans
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Minneapolis for Jumbo Loans
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/jumbo-loans)
- 🏆 **#7** in Madison, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Madison, WI for Jumbo Loans
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Madison, WI
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders)
- 🏆 **#17** in Minneapolis for Conventional Loans
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Wings Financial Credit Union offer?

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

### Where does Wings Financial Credit Union offer mortgages?

Wings Financial Credit Union offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, MA, MD, MI, MN, MO, MT, NC, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY.

### How competitive are Wings Financial Credit Union's mortgage rates?

Wings Financial Credit Union has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.244% below market average.

### What type of lender is Wings Financial Credit Union?

Wings Financial Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Apple Valley, MN.

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

Wings Financial Credit Union has a pull-through score of 68/100 (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/wings-financial-credit-union

### How to Cite

> "Wings Financial Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wings-financial-credit-union

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