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ALTRA Federal Credit Union

Credit Union•Onalaska, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from ALTRA Federal Credit Union — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Safe Rate Awards
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and VA loans

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Report Card

ALTRA Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.9 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Exceptional
Volume999
Mix92.8%
Spread
+0.368%Above
Fees
$977Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume27
Mix2.5%
Spread
+0.129%Above
Fees
$1,278Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume35
Mix3.3%
Spread
-0.579%Below
Fees
$519Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume15
Mix1.4%
Spread
+0.101%Above
Fees
$1,431Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume792
Mix73.6%
Spread
+0.325%Above
Fees
$1,071Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume284
Mix26.4%
Spread
+0.342%Above
Fees
$709Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,076
Applications
1,365
Volume
$301 million
Pricing & Closing
Avg Rate Spread
+0.329%
vs. market APOR
Avg Net Fees
$978
Origination − Credits
Pullthrough Rate
78.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,381
Avg Borrower Income
$132,044
Avg Property Value
$375,678

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
IAMNWI
South5
ARFLKYTNTX
West1
CO

Top Metro Areas by Place Specialization Score

1© Wikideas1 · CC0
La Crosse, WI-MNMetro
Volume 462Mix 42.94% of portfolio
100/100
Exceptional
2© Billy Hathorn · CC BY-SA 3.0
Tyler, TXMetro
Volume 97Mix 9.01% of portfolio
89/100
Exceptional
3© Theresa Marconi · CC BY-SA 3.0
Rochester, MNMetro
Volume 93Mix 8.64% of portfolio
80/100
Exceptional
4© GatewayPolitics · CC BY-SA 4.0
Clarksville, TN, TN-KYMetro
Volume 82Mix 7.62% of portfolio
73/100
Strong
5© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 22Mix 2.04% of portfolio
49/100
Sound
6© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 21Mix 1.95% of portfolio
47/100
Sound

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 558Mix 51.86% of portfolio
85/100
Exceptional
Minnesota
Minnesota
2
MinnesotaState
Volume 246Mix 22.86% of portfolio
73/100
Strong
Tennessee
Tennessee
3
TennesseeState
Volume 109Mix 10.13% of portfolio
64/100
Strong
Texas
Texas
4
TexasState
Volume 144Mix 13.38% of portfolio
61/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.