Safe Rate Rankings

Best Credit Union Mortgage Lenders in Oshkosh

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders6

Total Loans595

Median Rate Spread-0.09%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Community FirstCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	$610Fees	0.331%Below	283
2	FOX COMMUNITIES Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	$491Fees	0.140%Below	86
3	VERVE, A CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$658Fees	0.009%Below	68
4	CAPITAL Credit UnionCredit Union	Strong	Strong	Strong	Strong	$627Fees	0.150%Below	56
5	COVANTAGE CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$562Fees	0.523%Above	42
6	University of Wisconsin Credit UnionCredit Union	Strong	Strong	Strong	Sound	$2,285Fees	0.016%Above	23

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.