What loan types does Verve offer?

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

Where does Verve offer mortgages?

Verve offers mortgages in 3 states: IL, MN, WI.

How competitive are Verve's mortgage rates?

Verve has an overall pricing score of 82.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Verve?

Verve is a Credit Union headquartered in Oshkosh, WI.

Unclaimed

Verve

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

Verve has 149 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 7.70 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Verve performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 7.7 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

149 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

113 loans · 0.07% below market

Sound

Top 60% of lenders

3/5

Refinance

36 loans · 0.11% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 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	Strong	Sound	Exceptional	Strong	149	100.0%	-0.072%Below	$654Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume149

Mix100.0%

Spread

-0.072%Below

Fees

$654Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	113	75.8%	-0.067%Below	$655Fees
Refinance	Strong	Sound	Exceptional	Strong	36	24.2%	-0.106%Below	$649Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume113

Mix75.8%

Spread

-0.067%Below

Fees

$655Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume36

Mix24.2%

Spread

-0.106%Below

Fees

$649Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

149

Applications

208

Volume

$35 million

Pricing & Closing

Avg Rate Spread

-0.077%

vs. market APOR

Avg Net Fees

$654

Origination − Credits

Pullthrough Rate

71.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$238,960

Avg Borrower Income

$123,523

Avg Property Value

$345,676

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

3Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest3

ILMNWI

Top Metro Areas by Place Specialization Score

Oshkosh, WIMetro

Volume 68Mix 45.64% of portfolio

80/100

Exceptional

Fond du Lac, WIMetro

Volume 28Mix 18.79% of portfolio

69/100

Strong

Appleton, WIMetro

Volume 14Mix 9.40% of portfolio

50/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 145Mix 97.32% of portfolio

74/100

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.

Looking for a different lender?

Are you the owner of Verve?

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.