What loan types does Wings Financial Credit Union offer?

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

Where does Wings Financial Credit Union offer mortgages?

Wings Financial Credit Union offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, MA, MD, MI, MN, MO, MT, NC, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY.

How competitive are Wings Financial Credit Union's mortgage rates?

Wings Financial Credit Union has an overall pricing score of 65.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Wings Financial Credit Union?

Wings Financial Credit Union is a Credit Union headquartered in Apple Valley, MN.

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Wings Financial Credit Union

Credit Union•Apple Valley, MNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Wings Financial Credit Union — 977 loans across 1k applications— and benchmarked them against peer lenders 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

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Near-National · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 24.40 basis points below market average
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and Jumbo loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Wings Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 24.4 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

934 loans · 0.24% below market

Strong

Top 40% of lenders

4/5

Jumbo

43 loans · 0.36% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

824 loans · 0.21% below market

Strong

Top 40% of lenders

4/5

Refinance

153 loans · 0.40% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Near-National · 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	Strong	Strong	Sound	934	95.6%	-0.238%Below	$1,348Fees
Jumbo Loans	Strong	Strong	Strong	Strong	43	4.4%	-0.357%Below	$1,094Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume934

Mix95.6%

Spread

-0.238%Below

Fees

$1,348Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume43

Mix4.4%

Spread

-0.357%Below

Fees

$1,094Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Sound	824	84.3%	-0.214%Below	$1,366Fees
Refinance	Strong	Strong	Exceptional	Sound	153	15.7%	-0.403%Below	$1,177Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume824

Mix84.3%

Spread

-0.214%Below

Fees

$1,366Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume153

Mix15.7%

Spread

-0.403%Below

Fees

$1,177Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

977

Applications

1,285

Volume

$338 million

Pricing & Closing

Avg Rate Spread

-0.244%

vs. market APOR

Avg Net Fees

$1,336

Origination − Credits

Pullthrough Rate

76.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$346,126

Avg Borrower Income

$177,531

Avg Property Value

$475,061

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

38Full-year 2024 · HMDA

Loans originated

< 1010–2020–5050+None

Northeast6

CTMANHNJNYPA

Midwest11

IAILINKSMIMNMONDOHSDWI

South12

ALARDEFLGAMDNCOKSCTNTXVA

West9

AZCACOMTNVORUTWAWY

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 571Mix 58.44% of portfolio

85/100

Exceptional

Madison, WIMetro

Volume 46Mix 4.71% of portfolio

59/100

Sound

Atlanta, GAMetro

Volume 10Mix 1.02% of portfolio

38/100

Acceptable

Top States by Place Specialization Score

MinnesotaState

Volume 677Mix 69.29% of portfolio

85/100

Exceptional

WisconsinState

Volume 110Mix 11.26% of portfolio

65/100

Strong

FloridaState

Volume 49Mix 5.02% of portfolio

49/100

Sound

MichiganState

Volume 15Mix 1.54% of portfolio

41/100

Sound

ColoradoState

Volume 13Mix 1.33% of portfolio

40/100

Sound

GeorgiaState

Volume 14Mix 1.43% of portfolio

40/100

Acceptable

ArizonaState

Volume 10Mix 1.02% of portfolio

37/100

Acceptable

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.