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FCCU

FOX COMMUNITIES Credit Union

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We analyzed every closed loan from FOX COMMUNITIES Credit Union 708 loans across 869 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
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional
Place
Exceptional
5/5
Multi-Region · 3 mkts
Safe Rate Awards
Conventional Champion
Conventional
Champion
Refinance Champion
Refinance
Champion
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 14.40 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

FOX COMMUNITIES Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 14.4 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% 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 · 4 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume706
Mix99.7%
Spread
-0.143%Below
Fees
$525Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume493
Mix69.6%
Spread
-0.130%Below
Fees
$573Fees
Refinance
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume215
Mix30.4%
Spread
-0.175%Below
Fees
$413Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
708
Applications
869
Volume
$159 million
Pricing & Closing
Avg Rate Spread
-0.144%
vs. market APOR
Avg Net Fees
$524
Origination − Credits
Pullthrough Rate
81.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$225,946
Avg Borrower Income
$104,040
Avg Property Value
$318,220

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest5
ILMIMNMOWI
South1
FL

Top Metro Areas by Place Specialization Score

Volume 238Mix 33.62% of portfolio
99/100
Exceptional
Volume 199Mix 28.11% of portfolio
88/100
Exceptional
3© self · CC BY-SA 2.5
Oshkosh, WIMetro
Volume 86Mix 12.15% of portfolio
80/100
Strong

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 701Mix 99.01% of portfolio
89/100
Exceptional

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.