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

Marine Credit Union

Credit Union•La Crosse, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Marine Credit Union — 602 loans across 2k 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
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 131 basis points above market average

Explore another lender or local market

Report Card

Marine Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+130.8 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
602 loans · 1.31% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
197 loans · 1.44% above market
Sound
Top 60% of lenders
3/5
Refinance
405 loans · 1.25% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Regional · 13 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume602
Mix100.0%
Spread
+1.308%Above
Fees
$2,606Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume197
Mix32.7%
Spread
+1.435%Above
Fees
$3,831Fees
Refinance
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Sound
Volume405
Mix67.3%
Spread
+1.249%Above
Fees
$2,037Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
602
Applications
1,943
Volume
$89 million
Pricing & Closing
Avg Rate Spread
+1.308%
vs. market APOR
Avg Net Fees
$2,606
Origination − Credits
Pullthrough Rate
31.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$149,120
Avg Borrower Income
$86,312
Avg Property Value
$218,953

Geographic Coverage

Geographic Performance

Metro Areas
12
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 2020–5050–100100+None
Midwest4
IAILMNWI

Top Metro Areas by Place Specialization Score

1© David Wilson · CC BY 2.0
Fond du Lac, WIMetro
Volume 44Mix 7.31% of portfolio
75/100
Strong
2© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 71Mix 11.79% of portfolio
66/100
Strong
3© Michael Steeber from USA · CC BY-SA 2.0
Green Bay, WIMetro
Volume 39Mix 6.48% of portfolio
65/100
Strong
4© TessTalks · CC BY-SA 4.0
Eau Claire, WIMetro
Volume 38Mix 6.31% of portfolio
63/100
Strong
5© Phil Roeder from Des Moines, IA, USA · CC BY 2.0
Des Moines, IAMetro
Volume 45Mix 7.48% of portfolio
61/100
Strong
6© Wikideas1 · CC0
La Crosse, WI-MNMetro
Volume 28Mix 4.65% of portfolio
58/100
Sound
7© pasa47 · CC BY 2.0
Racine, WIMetro
Volume 21Mix 3.49% of portfolio
55/100
Sound
8© MissvainOriginal author: User:SoloTwo · CC BY-SA 3.0
Appleton, WIMetro
Volume 20Mix 3.32% of portfolio
52/100
Sound
9© Smallbones · CC0
Davenport, IA-ILMetro
Volume 20Mix 3.32% of portfolio
52/100
Sound
10© Theresa Marconi · CC BY-SA 3.0
Rochester, MNMetro
Volume 16Mix 2.66% of portfolio
50/100
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 461Mix 76.58% of portfolio
84/100
Exceptional
Iowa
Iowa
2
IowaState
Volume 92Mix 15.28% of portfolio
64/100
Strong
Minnesota
Minnesota
3
MinnesotaState
Volume 30Mix 4.98% of portfolio
51/100
Sound
Illinois
Illinois
4
IllinoisState
Volume 19Mix 3.16% of portfolio
44/100
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 Marine 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.