What loan types does Simplicity offer?

Simplicity offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Simplicity offer mortgages?

Simplicity offers mortgages in 1 states: WI.

How competitive are Simplicity's mortgage rates?

Simplicity has an overall pricing score of 45.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Simplicity?

Simplicity is a Credit Union headquartered in Marshfield, WI.

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Simplicity

Credit Union•Marshfield, WIHQ•Direct•Reviews near you on Google

Simplicity has 165 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

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Report Card

Simplicity performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+30.4 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	165	100.0%	+0.304%Above	$744Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume165

Mix100.0%

Spread

+0.304%Above

Fees

$744Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	148	89.7%	+0.288%Above	$747Fees
Refinance	Acceptable	Acceptable	—	Acceptable	17	10.3%	+0.428%Above	$718Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume148

Mix89.7%

Spread

+0.288%Above

Fees

$747Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume17

Mix10.3%

Spread

+0.428%Above

Fees

$718Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

165

Applications

219

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+0.304%

vs. market APOR

Avg Net Fees

$744

Origination − Credits

Pullthrough Rate

75.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$201,121

Avg Borrower Income

$98,515

Avg Property Value

$254,091

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest1

Top Metro Areas by Place Specialization Score

Wausau, WIMetro

Volume 21Mix 12.73% of portfolio

57/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 165Mix 100.00% of portfolio

75/100

Strong

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.