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Community First
Credit Union|Neenah, WI|Regional
Loans Originated
1,156
Applications
1,414
Volume
$244 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎Refinance Champion⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.336%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$604
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 33.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
Community First performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Exceptional | Regional · 5 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$211,401
Average Borrower Income
$117,857
Average Property Value
$335,502
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Exceptional | 1,150 | 99.5% | -0.335% | $603 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 655 | 56.7% | -0.305% | $701 |
Refinance | Exceptional | Exceptional | Exceptional | Exceptional | 501 | 43.3% | -0.398% | $410 |
Geographic Coverage
Metro Areas
4
States Served
3
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
ILMNWI
Top Metro Areas by Place Specialization Score
1
Appleton, WI, WIMSA
Volume: 471Mix: 40.74%
Place Specialization
Exceptional
2
Oshkosh, WIMSA
Volume: 283Mix: 24.48%
Place Specialization
Exceptional
3
Green Bay, WI, WIMSA
Volume: 131Mix: 11.33%
Place Specialization
Exceptional
4
Fond du Lac, WI, WIMSA
Volume: 16Mix: 1.38%
Place Specialization
Sound
Top States by Place Specialization Score
1
WIState
Volume: 1,153Mix: 99.74%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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