Looking for a different lender?

W

Wings Financial Credit Union

Credit Union|Apple Valley, MN|Near-National
Loans Originated
977
Applications
1,285
Volume
$338 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Refinance Superstar

Pricing and Pullthrough Overview

Average Rate Spread
-0.244%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,336
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.0%
Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

  • Offers rates 24.40 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans
  • Nationwide availability with consistent service

Report Card

Wings Financial Credit Union performance at a glance

CategoryRatingGradeDetails
Pricing
Rate competitiveness
StrongHighly Competitive
Pull Through
Closing Strength
StrongHighly Competitive
Products
Loan Type Specialists
Specialization score by loan product
Conventional
StrongHighly Competitive
Jumbo
StrongHighly Competitive
Purpose
Reason specialization
Specialization score by loan purpose
Purchase
StrongHighly Competitive
Refinance
StrongHighly Competitive
Places
Geographic coverage
SoundNear-National · 4 metro areas · 38 states
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount
$346,126
Average Borrower Income
$177,531
Average Property Value
$475,061

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
Sound
93495.6%-0.238%$1,348
Jumbo Loans
Strong
Strong
Strong
Strong
434.4%-0.357%$1,094

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Sound
Sound
82484.3%-0.214%$1,366
Refinance
Strong
Strong
Exceptional
Sound
15315.7%-0.403%$1,177

Geographic Coverage

Metro Areas
3
States Served
38
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

ALARAZCACOCTDEFLGAIAILINKSMAMDMIMNMOMTNCNDNHNJNVNYOHOKORPASCSDTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

1
Minneapolis, MN-WIMSA
Volume: 571Mix: 58.44%
Place Specialization
Exceptional
2
Madison, WI, WIMSA
Volume: 46Mix: 4.71%
Place Specialization
Sound
3
Atlanta, GAMSA
Volume: 10Mix: 1.02%
Place Specialization
Acceptable

Top States by Place Specialization Score

1
MNState
Volume: 677Mix: 69.29%
Place Specialization
Exceptional
2
WIState
Volume: 110Mix: 11.26%
Place Specialization
Strong
3
FLState
Volume: 49Mix: 5.02%
Place Specialization
Sound
4
MIState
Volume: 15Mix: 1.54%
Place Specialization
Sound
5
COState
Volume: 13Mix: 1.33%
Place Specialization
Sound
6
GAState
Volume: 14Mix: 1.43%
Place Specialization
Acceptable
7
AZState
Volume: 10Mix: 1.02%
Place Specialization
Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.

Ready to Get Started?

Compare Wings Financial Credit Union with other lenders or get personalized recommendations.

Compare Lenders