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KCU

Kohler Credit Union

Credit UnionSheboygan, WIHQDirectReviews near you on Google

Kohler Credit Union has 189 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 1.70 basis points below market average
  • Lower than average lender fees

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Report Card

Kohler Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 1.7 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
187 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
141 loans · 0.00% above market
Sound
Top 60% of lenders
3/5
Refinance
48 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume187
Mix98.9%
Spread
-0.017%Below
Fees
$824Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume141
Mix74.6%
Spread
+0.003%Above
Fees
$806Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume48
Mix25.4%
Spread
-0.081%Below
Fees
$883Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
189
Applications
271
Volume
$47 million
Pricing & Closing
Avg Rate Spread
-0.017%
vs. market APOR
Avg Net Fees
$824
Origination − Credits
Pullthrough Rate
69.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$250,397
Avg Borrower Income
$116,545
Avg Property Value
$337,540

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
Midwest1
WI

Top Metro Areas by Place Specialization Score

Volume 91Mix 48.15% of portfolio
97/100
Exceptional
2© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 42Mix 22.22% of portfolio
62/100
Strong

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 189Mix 100.00% of portfolio
77/100
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
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.

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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.