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Unclaimed

CO-OP Credit Union

Credit Union•Black River Falls, WI•Direct

CO Op Credit Union has 181 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Sound
Conventional
Place
Sound
Regional · 2 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

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Report Card

CO-OP Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+27.2 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Strong
181100.0%
+0.272%Above
$552Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
11563.5%
+0.305%Above
$595Fees
Refinance
Sound
Sound
Sound
Strong
6636.5%
+0.221%Above
$484Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
181
Applications
214
Volume
$33 million
Pricing & Closing
Avg Rate Spread
+0.272%
vs. market APOR
Avg Net Fees
$552
Origination − Credits
Pullthrough Rate
84.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$187,044
Avg Borrower Income
$96,309
Avg Property Value
$269,365

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
2
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

MNWI

Top Metro Areas by Place Specialization Score

1
La Crosse, WI-MNMSA
Volume: 16Mix: 8.84%of portfolio
Place
Sound
2
Eau Claire, WI, WIMSA
Volume: 10Mix: 5.52%of portfolio
Place
Sound

Top States by Place Specialization Score

1
WIState
Volume: 172Mix: 95.03%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

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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.