# N.E.W. CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/new-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

N.E.W. CREDIT UNION is a credit union, headquartered in Oconto Falls, WI, serving borrowers across 2 states, with 73 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900NGM4SWQ6TJE045
- **Headquarters:** Oconto Falls, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MI, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.496%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $417
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 73
- **Dollar Volume:** $9 million
- **Applications Received:** 73
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $117,329
- **Average Borrower Income:** $87,562

## Safe Rate Awards 🏆

- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 73 | -0.496% | $417 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 58 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 15 | $3M | -0.697% | Mediocre 😐 |
| Refinance | 62/100 | 58 | $5M | -0.436% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 72 | 0.11% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Green Bay, WI | WI | 54 | 77/100 |
| Non |  | 18 | 36/100 |

## Frequently Asked Questions

### What loan types does N.E.W. CREDIT UNION offer?

N.E.W. CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does N.E.W. CREDIT UNION offer mortgages?

N.E.W. CREDIT UNION offers mortgages in 2 states: MI, WI.

### How competitive are N.E.W. CREDIT UNION's mortgage rates?

N.E.W. CREDIT UNION has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.496% below market average.

### What type of lender is N.E.W. CREDIT UNION?

N.E.W. CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oconto Falls, WI.

### What is N.E.W. CREDIT UNION's loan approval success rate?

N.E.W. CREDIT UNION has a pull-through score of 38/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/new-credit-union

### How to Cite

> "N.E.W. CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/new-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/new-credit-union)**