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WESTCONSIN Credit Union

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

WESTCONSIN Credit Union has 317 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 2 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

WESTCONSIN Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+26.8 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume315
Mix99.4%
Spread
+0.268%Above
Fees
$1,020Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume239
Mix75.4%
Spread
+0.273%Above
Fees
$1,060Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume78
Mix24.6%
Spread
+0.254%Above
Fees
$899Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
317
Applications
639
Volume
$75 million
Pricing & Closing
Avg Rate Spread
+0.268%
vs. market APOR
Avg Net Fees
$1,018
Origination − Credits
Pullthrough Rate
49.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$238,028
Avg Borrower Income
$111,814
Avg Property Value
$340,205

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
MNWI

Top Metro Areas by Place Specialization Score

1© TessTalks · CC BY-SA 4.0
Eau Claire, WIMetro
Volume 69Mix 21.77% of portfolio
74/100
Strong
2© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 96Mix 30.28% of portfolio
67/100
Strong

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 301Mix 94.95% of portfolio
81/100
Exceptional
Minnesota
Minnesota
2
MinnesotaState
Volume 16Mix 5.05% of portfolio
46/100
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.