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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Credit Union Lenders in Des Moines
Updated February 5, 2026
Market Overview
11
Total Lenders
10,578
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $463 | -0.241% | 1,317 | |
2 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $374 | -0.238% | 703 | |
3 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,098 | -0.271% | 448 | |
4 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,488 | -0.343% | 33 | |
5 | GREATER IOWA CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Strong | $234 | +0.289% | 69 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $667 | -0.764% | 30 | |
7 | FINANCIAL PLUS CREDIT UNION | Exceptional | Exceptional | Acceptable | Strong | Strong | $762 | -0.501% | 48 | |
8 | Empeople Credit Union | Strong | Strong | Strong | Sound | Strong | $596 | -0.361% | 77 | |
9 | MARINE CREDIT UNION | Sound | Mediocre | Strong | Sound | Strong | $2,867 | +1.234% | 45 | |
10 | Premier Credit Union | Sound | Mediocre | Acceptable | Strong | Strong | $2,985 | +0.321% | 56 | |
11 | COMMUNITY 1ST CREDIT UNION | Sound | Mediocre | Sound | Sound | Sound | $536 | +0.356% | 41 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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