What loan types does CO-OP Credit Union offer?

CO-OP Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does CO-OP Credit Union offer mortgages?

CO-OP Credit Union offers mortgages in 2 states: MN, WI.

How competitive are CO-OP Credit Union's mortgage rates?

CO-OP Credit Union has an overall pricing score of 35.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CO-OP Credit Union?

CO-OP Credit Union is a Credit Union headquartered in Black River Falls, WI.

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CO-OP Credit Union

Credit Union•Black River Falls, WIHQ•Direct•Reviews near you on Google

CO-OP Credit Union has 181 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

CO-OP Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.2 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

181 loans · 0.27% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

115 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

Refinance

66 loans · 0.22% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Strong	181	100.0%	+0.272%Above	$552Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume181

Mix100.0%

Spread

+0.272%Above

Fees

$552Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	115	63.5%	+0.305%Above	$595Fees
Refinance	Sound	Sound	Sound	Strong	66	36.5%	+0.221%Above	$484Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume115

Mix63.5%

Spread

+0.305%Above

Fees

$595Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume66

Mix36.5%

Spread

+0.221%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

MNWI

Top Metro Areas by Place Specialization Score

La Crosse, WI-MNMetro

Volume 16Mix 8.84% of portfolio

52/100

Sound

Eau Claire, WIMetro

Volume 10Mix 5.52% of portfolio

47/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 172Mix 95.03% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.