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Wings Financial Credit Union

Credit Union•Apple Valley, MNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Wings Financial Credit Union — 977 loans across 1k 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
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

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Report Card

Wings Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 24.4 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
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
Near-National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume934
Mix95.6%
Spread
-0.238%Below
Fees
$1,348Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume43
Mix4.4%
Spread
-0.357%Below
Fees
$1,094Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume824
Mix84.3%
Spread
-0.214%Below
Fees
$1,366Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume153
Mix15.7%
Spread
-0.403%Below
Fees
$1,177Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
977
Applications
1,285
Volume
$338 million
Pricing & Closing
Avg Rate Spread
-0.244%
vs. market APOR
Avg Net Fees
$1,336
Origination − Credits
Pullthrough Rate
76.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,126
Avg Borrower Income
$177,531
Avg Property Value
$475,061

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

38
38 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMANHNJNYPA
Midwest11
IAILINKSMIMNMONDOHSDWI
South12
ALARDEFLGAMDNCOKSCTNTXVA
West9
AZCACOMTNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 571Mix 58.44% of portfolio
85/100
Exceptional
2© Alex Cohn · CC BY-SA 4.0
Madison, WIMetro
Volume 46Mix 4.71% of portfolio
59/100
Sound
3© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 10Mix 1.02% of portfolio
38/100
Acceptable

Top States by Place Specialization Score

Minnesota
Minnesota
1
MinnesotaState
Volume 677Mix 69.29% of portfolio
85/100
Exceptional
Wisconsin
Wisconsin
2
WisconsinState
Volume 110Mix 11.26% of portfolio
65/100
Strong
Florida
Florida
3
FloridaState
Volume 49Mix 5.02% of portfolio
49/100
Sound
Michigan
Michigan
4
MichiganState
Volume 15Mix 1.54% of portfolio
41/100
Sound
Colorado
Colorado
5
ColoradoState
Volume 13Mix 1.33% of portfolio
40/100
Sound
Georgia
Georgia
6
GeorgiaState
Volume 14Mix 1.43% of portfolio
40/100
Acceptable
Arizona
Arizona
7
ArizonaState
Volume 10Mix 1.02% of portfolio
37/100
Acceptable

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.