Safe Rate Rankings

Best Conventional Mortgage Credit Union Lenders in Wisconsin

Updated February 6, 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 Lenders22

Total Loans65,281

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Community FirstCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$604Fees	0.335%Below	1,153
2	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$65Fees	0.077%Below	2,419
3	FOX COMMUNITIES Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$524Fees	0.145%Below	701
4	DUPACO COMMUNITYCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,653Fees	0.262%Below	167
5	Royal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$498Fees	0.101%Above	1,070
6	EDUCATORS CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$35Fees	0.124%Below	890
7	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$398Fees	0.153%Above	2,546
8	COVANTAGE CREDIT UNIONCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$772Fees	0.073%Above	1,307
9	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$570Fees	0.446%Below	313
10	Landmark Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$572Fees	0.047%Above	1,438
11	CAPITAL Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$624Fees	0.156%Below	598
12	ALTRA Federal Credit UnionCredit Union	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$530Fees	0.348%Above	558
13	VERVE, A CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$654Fees	0.067%Below	145
14	KOHLER CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Strong	$824Fees	0.017%Below	189
15	Westby Co-op Credit UnionCredit Union	Strong	Strong	Sound	Strong	Strong	$643Fees	0.057%Above	199
16	TRUSTONE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$1,085Fees	0.115%Above	178
17	Blackhawk Community Credit UnionCredit Union	Strong	Strong	Sound	Strong	Strong	$881Fees	0.201%Above	140
18	WESTCONSIN Credit UnionCredit Union	Strong	Sound	Strong	Sound	Exceptional	$1,000Fees	0.272%Above	301
19	SIMPLICITYCredit Union	Strong	Sound	Sound	Sound	Strong	$744Fees	0.304%Above	165
20	CO-OP Credit UnionCredit Union	Strong	Acceptable	Sound	Strong	Strong	$550Fees	0.275%Above	172
21	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Exceptional	$2,628Fees	1.297%Above	461

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.