Get & compare mortgage quotes anonymously Start in My Home
CCU
Unclaimed

Covantage Credit Union

Credit Union•Antigo, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Covantage Credit Union — 1.5k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Covantage Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+10.4 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,542 loans · 0.10% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,004 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
Refinance
543 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,542
Mix99.7%
Spread
+0.104%Above
Fees
$746Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume1,004
Mix64.9%
Spread
+0.030%Above
Fees
$825Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Exceptional
Volume543
Mix35.1%
Spread
+0.168%Above
Fees
$678Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,547
Applications
2,701
Volume
$298 million
Pricing & Closing
Avg Rate Spread
+0.104%
vs. market APOR
Avg Net Fees
$746
Origination − Credits
Pullthrough Rate
57.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$193,119
Avg Borrower Income
$98,833
Avg Property Value
$271,317

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 2020–100100+None
Midwest4
ILMIMNWI
South1
FL
West1
AZ

Top Metro Areas by Place Specialization Score

1© WI-Photos · CC0
Wausau, WIMetro
Volume 365Mix 23.59% of portfolio
100/100
Exceptional
2© Michael Steeber from USA · CC BY-SA 2.0
Green Bay, WIMetro
Volume 101Mix 6.53% of portfolio
80/100
Exceptional
3© MissvainOriginal author: User:SoloTwo · CC BY-SA 3.0
Appleton, WIMetro
Volume 74Mix 4.78% of portfolio
70/100
Strong
4© self · CC BY-SA 2.5
Oshkosh, WIMetro
Volume 42Mix 2.71% of portfolio
65/100
Strong
5© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 18Mix 1.16% of portfolio
44/100
Sound
6© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 14Mix 0.90% of portfolio
43/100
Sound

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 1,307Mix 84.49% of portfolio
94/100
Exceptional
Michigan
Michigan
2
MichiganState
Volume 109Mix 7.05% of portfolio
61/100
Strong
Illinois
Illinois
3
IllinoisState
Volume 21Mix 1.36% of portfolio
43/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.

Looking for a different lender?

Are you the owner of Covantage Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.