Safe Rate Rankings

Best Conventional Mortgage Credit Union Lenders in Iowa

Updated February 6, 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.

Market

Total Lenders16

Total Loans34,766

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$497Fees	0.256%Below	4,661
2	VERIDIAN CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$379Fees	0.212%Below	2,150
3	DUPACO COMMUNITYCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,475Fees	0.266%Below	653
4	Community Choice Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,105Fees	0.264%Below	527
5	I. H. MISSISSIPPI VALLEY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	Strong	$1,679Fees	0.456%Below	202
6	GREATER IOWA CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$243Fees	0.252%Above	144
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$648Fees	0.573%Below	135
8	Du Trac Community Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$1,028Fees	0.162%Below	132
9	LINN AREACredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$586Fees	0.046%Below	116
10	ASCENTRA Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$600Fees	0.031%Below	111
11	Empeople Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$732Fees	0.241%Below	273
12	Collins Community Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$786Fees	0.092%Below	211
13	COMMUNITY 1ST CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Sound	Exceptional	$509Fees	0.434%Above	654
14	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Strong	$2,281Fees	1.374%Above	92
15	Premier Credit UnionCredit Union	Sound	Mediocre	Acceptable	Strong	Strong	$2,992Fees	0.374%Above	77

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.