What loan types does VERVE, A CREDIT UNION offer?

VERVE, A CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does VERVE, A CREDIT UNION offer mortgages?

VERVE, A CREDIT UNION offers mortgages in 3 states: IL, MN, WI.

How competitive are VERVE, A CREDIT UNION's mortgage rates?

VERVE, A CREDIT UNION 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, A CREDIT UNION?

VERVE, A CREDIT UNION is a Credit Union headquartered in Oshkosh, WI.

Unclaimed

Verve, a Credit Union

Credit Union•Oshkosh, WI•Direct

Verve a Credit Union has 149 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Sound

closing strength

Products

Sound

Conventional

Place

Strong

Regional · 3 mkts

Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

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

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Report Card

Verve, a Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader Rates 7.7 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Regional4 markets

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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

ILMNWI

Top Metro Areas by Place Specialization Score

Oshkosh, WIMSA

Volume: 68Mix: 45.64%of portfolio

Place

Exceptional

Fond du Lac, WI, WIMSA

Volume: 28Mix: 18.79%of portfolio

Place

Strong

Appleton, WI, WIMSA

Volume: 14Mix: 9.40%of portfolio

Place

Sound

Top States by Place Specialization Score

WIState

Volume: 145Mix: 97.32%of portfolio

Place

Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.