What loan types does Westby Co-op Credit Union offer?

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

Where does Westby Co-op Credit Union offer mortgages?

Westby Co-op Credit Union offers mortgages in 1 states: WI.

How competitive are Westby Co-op Credit Union's mortgage rates?

Westby Co-op Credit Union has an overall pricing score of 72.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Westby Co-op Credit Union?

Westby Co-op Credit Union is a Credit Union headquartered in Westby, US.

Unclaimed

Westby Co-op Credit Union

Credit Union•Westby, USHQ•Direct•Reviews near you on Google

Westby Co-op Credit Union has 199 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

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

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

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

Explore another lender or local market

Report Card

Westby Co-op Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+5.7 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

193 loans · 0.06% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

103 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

Refinance

96 loans · 0.04% above market

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

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	193	97.0%	+0.058%Above	$644Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume193

Mix97.0%

Spread

+0.058%Above

Fees

$644Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Strong	103	51.8%	+0.069%Above	$755Fees
Refinance	Strong	Strong	Strong	Exceptional	96	48.2%	+0.042%Above	$514Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume103

Mix51.8%

Spread

+0.069%Above

Fees

$755Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume96

Mix48.2%

Spread

+0.042%Above

Fees

$514Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

199

Applications

250

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.057%

vs. market APOR

Avg Net Fees

$643

Origination − Credits

Pullthrough Rate

79.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$165,704

Avg Borrower Income

$90,462

Avg Property Value

$262,136

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

La Crosse, WI-MNMetro

Volume 43Mix 21.61% of portfolio

67/100

Strong

Top States by Place Specialization Score

WisconsinState

Volume 199Mix 100.00% of portfolio

77/100

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 Westby Co-op 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.