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Marine Credit Union

Credit Union•La Crosse, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Marine Credit Union — 602 loans across 2k 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
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 12 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 131 basis points above market average

Explore another lender or local market

Report Card

Marine Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+130.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 13 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume602
Mix100.0%
Spread
+1.308%Above
Fees
$2,606Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume197
Mix32.7%
Spread
+1.435%Above
Fees
$3,831Fees
Refinance
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Sound
Volume405
Mix67.3%
Spread
+1.249%Above
Fees
$2,037Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
602
Applications
1,943
Volume
$89 million
Pricing & Closing
Avg Rate Spread
+1.308%
vs. market APOR
Avg Net Fees
$2,606
Origination − Credits
Pullthrough Rate
31.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$149,120
Avg Borrower Income
$86,312
Avg Property Value
$218,953

Geographic Coverage

Geographic Performance

Metro Areas
12
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
IAILMNWI

Top Metro Areas by Place Specialization Score

1© David Wilson · CC BY 2.0
Fond du Lac, WIMetro
Volume 44Mix 7.31% of portfolio
75/100
Strong
2© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 71Mix 11.79% of portfolio
66/100
Strong
3© Michael Steeber from USA · CC BY-SA 2.0
Green Bay, WIMetro
Volume 39Mix 6.48% of portfolio
65/100
Strong
4© TessTalks · CC BY-SA 4.0
Eau Claire, WIMetro
Volume 38Mix 6.31% of portfolio
63/100
Strong
5© Phil Roeder from Des Moines, IA, USA · CC BY 2.0
Des Moines, IAMetro
Volume 45Mix 7.48% of portfolio
61/100
Strong
6© Wikideas1 · CC0
La Crosse, WI-MNMetro
Volume 28Mix 4.65% of portfolio
58/100
Sound
7© pasa47 · CC BY 2.0
Racine, WIMetro
Volume 21Mix 3.49% of portfolio
55/100
Sound
8© MissvainOriginal author: User:SoloTwo · CC BY-SA 3.0
Appleton, WIMetro
Volume 20Mix 3.32% of portfolio
52/100
Sound
9© Smallbones · CC0
Davenport, IA-ILMetro
Volume 20Mix 3.32% of portfolio
52/100
Sound
10© Theresa Marconi · CC BY-SA 3.0
Rochester, MNMetro
Volume 16Mix 2.66% of portfolio
50/100
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 461Mix 76.58% of portfolio
84/100
Exceptional
Iowa
Iowa
2
IowaState
Volume 92Mix 15.28% of portfolio
64/100
Strong
Minnesota
Minnesota
3
MinnesotaState
Volume 30Mix 4.98% of portfolio
51/100
Sound
Illinois
Illinois
4
IllinoisState
Volume 19Mix 3.16% of portfolio
44/100
Sound

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.