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UWCU
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University of Wisconsin Credit Union

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

We analyzed every closed loan from University of Wisconsin Credit Union — 2.6k loans across 4k 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Regional · 13 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

University of Wisconsin Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+15.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 14 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume2,569
Mix98.4%
Spread
+0.150%Above
Fees
$391Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume16
Mix0.6%
Spread
+0.389%Above
Fees
$821Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume20
Mix0.8%
Spread
+0.348%Above
Fees
$2,135Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume2,110
Mix80.8%
Spread
+0.168%Above
Fees
$349Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume501
Mix19.2%
Spread
+0.087%Above
Fees
$563Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,611
Applications
3,525
Volume
$789 million
Pricing & Closing
Avg Rate Spread
+0.153%
vs. market APOR
Avg Net Fees
$387
Origination − Credits
Pullthrough Rate
74.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,300
Avg Borrower Income
$145,021
Avg Property Value
$424,786

Geographic Coverage

Geographic Performance

Metro Areas
13
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILMNWI

Top Metro Areas by Place Specialization Score

1© Alex Cohn · CC BY-SA 4.0
Madison, WIMetro
Volume 1,316Mix 50.40% of portfolio
100/100
Exceptional
2© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 692Mix 26.50% of portfolio
93/100
Exceptional
3© Michael Barera · CC BY-SA 4.0
Janesville, WIMetro
Volume 82Mix 3.14% of portfolio
80/100
Strong
4© pasa47 · CC BY 2.0
Racine, WIMetro
Volume 31Mix 1.19% of portfolio
59/100
Sound
5© Michael Steeber from USA · CC BY-SA 2.0
Green Bay, WIMetro
Volume 28Mix 1.07% of portfolio
56/100
Sound
6© Wikideas1 · CC0
La Crosse, WI-MNMetro
Volume 27Mix 1.03% of portfolio
54/100
Sound
7© self · CC BY-SA 2.5
Oshkosh, WIMetro
Volume 23Mix 0.88% of portfolio
54/100
Sound
8© David Wilson · CC BY 2.0
Fond du Lac, WIMetro
Volume 17Mix 0.65% of portfolio
52/100
Sound
9© MissvainOriginal author: User:SoloTwo · CC BY-SA 3.0
Appleton, WIMetro
Volume 18Mix 0.69% of portfolio
48/100
Sound
10© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 26Mix 1.00% of portfolio
47/100
Sound
Showing 10 of 13 metro areas

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 2,546Mix 97.51% of portfolio
100/100
Exceptional
Illinois
Illinois
2
IllinoisState
Volume 38Mix 1.46% of portfolio
48/100
Sound
Minnesota
Minnesota
3
MinnesotaState
Volume 27Mix 1.03% of portfolio
47/100
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.