What loan types does WESTCONSIN Credit Union offer?

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

Where does WESTCONSIN Credit Union offer mortgages?

WESTCONSIN Credit Union offers mortgages in 2 states: MN, WI.

How competitive are WESTCONSIN Credit Union's mortgage rates?

WESTCONSIN Credit Union has an overall pricing score of 53.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is WESTCONSIN Credit Union?

WESTCONSIN Credit Union is a Credit Union headquartered in Menomonie, WI.

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WESTCONSIN Credit Union

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

WESTCONSIN Credit Union has 317 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

WESTCONSIN Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+26.8 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

315 loans · 0.27% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

239 loans · 0.27% above market

Strong

Top 40% of lenders

4/5

Refinance

78 loans · 0.25% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Sound	Strong	Sound	Sound	315	99.4%	+0.268%Above	$1,020Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume315

Mix99.4%

Spread

+0.268%Above

Fees

$1,020Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Sound	239	75.4%	+0.273%Above	$1,060Fees
Refinance	Strong	Strong	Strong	Sound	78	24.6%	+0.254%Above	$899Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume239

Mix75.4%

Spread

+0.273%Above

Fees

$1,060Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume78

Mix24.6%

Spread

+0.254%Above

Fees

$899Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

317

Applications

639

Volume

$75 million

Pricing & Closing

Avg Rate Spread

+0.268%

vs. market APOR

Avg Net Fees

$1,018

Origination − Credits

Pullthrough Rate

49.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$238,028

Avg Borrower Income

$111,814

Avg Property Value

$340,205

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

2Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest2

MNWI

Top Metro Areas by Place Specialization Score

Eau Claire, WIMetro

Volume 69Mix 21.77% of portfolio

74/100

Strong

Minneapolis, MN-WIMetro

Volume 96Mix 30.28% of portfolio

67/100

Strong

Top States by Place Specialization Score

WisconsinState

Volume 301Mix 94.95% of portfolio

81/100

Exceptional

MinnesotaState

Volume 16Mix 5.05% of portfolio

46/100

Sound

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.

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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.