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MARINE CREDIT UNION
Credit Union|La Crosse, WI|Regional
Loans Originated
602
Applications
1,943
Volume
$89 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+1.308%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,606
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
31.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 131 basis points above market average
Report Card
MARINE CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Sound | Regional · 13 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$149,120
Average Borrower Income
$86,312
Average Property Value
$218,953
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 602 | 100.0% | +1.308% | $2,606 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 197 | 32.7% | +1.435% | $3,831 |
Refinance | Acceptable | Exceptional | Mediocre | Sound | 405 | 67.3% | +1.249% | $2,037 |
Geographic Coverage
Metro Areas
12
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
IAILMNWI
Top Metro Areas by Place Specialization Score
1
Fond du Lac, WI, WIMSA
Volume: 44Mix: 7.31%
Place Specialization
Strong
2
Milwaukee, WIMSA
Volume: 71Mix: 11.79%
Place Specialization
Strong
3
Green Bay, WI, WIMSA
Volume: 39Mix: 6.48%
Place Specialization
Strong
4
Eau Claire, WI, WIMSA
Volume: 38Mix: 6.31%
Place Specialization
Strong
5
Des Moines, IAMSA
Volume: 45Mix: 7.48%
Place Specialization
Strong
6
La Crosse, WI-MNMSA
Volume: 28Mix: 4.65%
Place Specialization
Sound
7
Racine, WIMSA
Volume: 21Mix: 3.49%
Place Specialization
Sound
8
Appleton, WI, WIMSA
Volume: 20Mix: 3.32%
Place Specialization
Sound
9
Davenport, IA-ILMSA
Volume: 20Mix: 3.32%
Place Specialization
Sound
10
Rochester, MN, MNMSA
Volume: 16Mix: 2.66%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
WIState
Volume: 461Mix: 76.58%
Place Specialization
Exceptional
2
IAState
Volume: 92Mix: 15.28%
Place Specialization
Strong
3
MNState
Volume: 30Mix: 4.98%
Place Specialization
Sound
4
ILState
Volume: 19Mix: 3.16%
Place Specialization
Sound
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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