Safe Rate Rankings

Best Credit Union Mortgage Lenders in Cedar Rapids

Updated February 5, 2026
⚖️ 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.
Total Lenders7
Total Loans1,531
Median Rate Spread-0.19%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
GREENSTATE Credit UnionCredit Union
Exceptional
Exceptional
Exceptional
Exceptional
$623Fees
0.295%Below
953
2
VERIDIAN CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Exceptional
$415Fees
0.240%Below
204
3
DUPACO COMMUNITYCredit Union
Exceptional
Exceptional
Exceptional
Strong
$1,657Fees
0.217%Below
77
4
LINN AREACredit Union
Exceptional
Exceptional
Strong
Strong
$592Fees
0.050%Below
100
5
Collins Community Credit UnionCredit Union
Exceptional
Strong
Strong
Exceptional
$771Fees
0.117%Below
152
6
NAVY FEDERAL CREDIT UNIONCredit Union
Strong
Exceptional
Sound
Sound
$430Fees
0.746%Below
20
7
COMMUNITY 1ST CREDIT UNIONCredit Union
Sound
Mediocre
Strong
Sound
$268Fees
0.361%Above
25

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

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.