Safe Rate Rankings

Best Credit Union Mortgage Lenders in Wausau

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 Lenders7

Total Loans1,288

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	COVANTAGE CREDIT UNIONCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,114Fees	0.075%Below	365
2	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$93Fees	0.123%Above	15
3	Royal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Exceptional	Sound	$454Fees	0.155%Above	14
4	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$163Fees	0.000%Above	17
5	Connexus Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	Sound	$275Fees	0.061%Below	12
6	SIMPLICITYCredit Union	Strong	Sound	Sound	Sound	Sound	$753Fees	0.231%Above	21

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.