# UNITEDONE Credit Union

> **Canonical URL:** https://saferate.com/lenders/unitedone-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

UNITEDONE Credit Union is a credit union, headquartered in Manitowoc, WI, with 77 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493009ULL1JFIC1C287
- **Headquarters:** Manitowoc, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.004%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $426
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 77
- **Dollar Volume:** $13 million
- **Applications Received:** 148
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $175,260
- **Average Borrower Income:** $96,701

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 77 | -0.004% | $426 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 33 loans, Score: 22/100 (Acceptable)
- Refinance: 44 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 33 | $9M | -0.027% | Acceptable 🙂 |
| Refinance | 57/100 | 44 | $5M | +0.011% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 75 | 0.11% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 55 | 54/100 |
| Sheboygan, WI | WI | 18 | 62/100 |

## Frequently Asked Questions

### What loan types does UNITEDONE Credit Union offer?

UNITEDONE 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 UNITEDONE Credit Union offer mortgages?

UNITEDONE Credit Union offers mortgages in 1 states: WI.

### How competitive are UNITEDONE Credit Union's mortgage rates?

UNITEDONE Credit Union has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.004% below market average.

### What type of lender is UNITEDONE Credit Union?

UNITEDONE Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Manitowoc, WI.

### What is UNITEDONE Credit Union's loan approval success rate?

UNITEDONE Credit Union has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/unitedone-credit-union

### How to Cite

> "UNITEDONE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/unitedone-credit-union

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