What loan types does CO-OP Credit Union offer?

CO-OP Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does CO-OP Credit Union offer mortgages?

CO-OP Credit Union offers mortgages in 2 states: MN, WI.

How competitive are CO-OP Credit Union's mortgage rates?

CO-OP Credit Union has an overall pricing score of 35.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CO-OP Credit Union?

CO-OP Credit Union is a Credit Union headquartered in Black River Falls, WI.

Unclaimed

CO-OP Credit Union

Credit Union•Black River Falls, WIHQ•Direct•Reviews near you on Google

CO-OP Credit Union has 181 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

CO-OP Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Strong	181	100.0%	+0.272%Above	$552Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume181

Mix100.0%

Spread

+0.272%Above

Fees

$552Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	115	63.5%	+0.305%Above	$595Fees
Refinance	Sound	Sound	Sound	Strong	66	36.5%	+0.221%Above	$484Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume115

Mix63.5%

Spread

+0.305%Above

Fees

$595Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume66

Mix36.5%

Spread

+0.221%Above

Fees

$484Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

181

Applications

214

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+0.272%

vs. market APOR

Avg Net Fees

$552

Origination − Credits

Pullthrough Rate

84.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$187,044

Avg Borrower Income

$96,309

Avg Property Value

$269,365

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest2

MNWI

Top Metro Areas by Place Specialization Score

La Crosse, WI-MNMetro

Volume 16Mix 8.84% of portfolio

52/100

Sound

Eau Claire, WIMetro

Volume 10Mix 5.52% of portfolio

47/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 172Mix 95.03% of portfolio

76/100

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.

Looking for a different lender?

Are you the owner of CO-OP Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.