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

Valley Communities Credit Union

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

Valley Communities Credit Union has 103 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
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Single State · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Explore another lender or local market

Report Card

Valley Communities Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
103 loans
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
28 loans
Acceptable
Bottom 40% of lenders
2/5
Refinance
75 loans
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume103
Mix100.0%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume28
Mix27.2%
Spread—
Fees—
Refinance
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume75
Mix72.8%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
103
Applications
145
Volume
$14 million
Pricing & Closing
Pullthrough Rate
71.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$136,359
Avg Borrower Income
$97,408
Avg Property Value
$221,699

Geographic Coverage

Geographic Performance

Metro Areas
1
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
< 100100+None
Midwest1
WI

Top Metro Areas by Place Specialization Score

1© WI-Photos · CC0
Wausau, WIMetro
Volume 31Mix 30.10% of portfolio
65/100
Strong

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 103Mix 100.00% of portfolio
71/100
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.

Looking for a different lender?

Are you the owner of Valley Communities 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.