University of Wisconsin Credit Union
We analyzed every closed loan from University of Wisconsin Credit Union — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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
FHA · Conventional · Jumbo
Place
Sound
3/5
Regional · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
University of Wisconsin Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+15.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,569 loans · 0.15% above market
Exceptional
Top 20% of lenders
5/5
FHA
16 loans · 0.39% above market
Sound
Top 60% of lenders
3/5
Jumbo
20 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,110 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
Refinance
501 loans · 0.09% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Regional · 14 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 | 2,569 | 98.4% | +0.150%Above | $391Fees | ||||
FHA Loans | — | 16 | 0.6% | +0.389%Above | $821Fees | |||
Jumbo Loans | — | 20 | 0.8% | +0.348%Above | $2,135Credit |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,569
Mix98.4%
Spread
+0.150%Above
Fees
$391Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume16
Mix0.6%
Spread
+0.389%Above
Fees
$821Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix0.8%
Spread
+0.348%Above
Fees
$2,135Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,110 | 80.8% | +0.168%Above | $349Fees | ||||
Refinance | 501 | 19.2% | +0.087%Above | $563Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,110
Mix80.8%
Spread
+0.168%Above
Fees
$349Fees
Refinance
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume501
Mix19.2%
Spread
+0.087%Above
Fees
$563Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,611
Applications
3,525
Volume
$789 million
Pricing & Closing
Avg Rate Spread
+0.153%
vs. market APOR
Avg Net Fees
$387
Origination − Credits
Pullthrough Rate
74.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,300
Avg Borrower Income
$145,021
Avg Property Value
$424,786
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 2020–5050+None
Midwest3
ILMNWI
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.
Looking for a different lender?
Are you the owner of University of Wisconsin Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.