What loan types does MY Credit Union offer?

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

Where does MY Credit Union offer mortgages?

MY Credit Union offers mortgages in 2 states: MN, WI.

How competitive are MY Credit Union's mortgage rates?

MY Credit Union has an overall pricing score of 58.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MY Credit Union?

MY Credit Union is a Credit Union headquartered in Bloomington, MN.

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MY Credit Union

Credit Union•Bloomington, MNHQ•Direct•Reviews near you on Google

MY Credit Union has 34 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

MY Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+0.7 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

34 loans · 0.01% above market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

26 loans · 0.03% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Mediocre	Sound	Sound	34	100.0%	+0.007%Above	$2,056Fees

Conventional

Overall

Sound

Product

Mediocre

Pricing

Sound

Pull Through

Sound

Volume34

Mix100.0%

Spread

+0.007%Above

Fees

$2,056Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Sound	26	76.5%	-0.027%Below	$2,193Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume26

Mix76.5%

Spread

-0.027%Below

Fees

$2,193Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+0.007%

vs. market APOR

Avg Net Fees

$2,056

Origination − Credits

Pullthrough Rate

81.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$252,647

Avg Borrower Income

$103,441

Avg Property Value

$372,941

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

MNWI

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 32Mix 94.12% of portfolio

61/100

Strong

Top States by Place Specialization Score

MinnesotaState

Volume 33Mix 97.06% of portfolio

60/100

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.