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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 Iowa
Updated February 6, 2026
Market Overview
16
Total Lenders
34,766
Total Loans
0.33%
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 | $497 | -0.256% | 4,661 | |
2 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $379 | -0.212% | 2,150 | |
3 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,475 | -0.266% | 653 | |
4 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,105 | -0.264% | 527 | |
5 | I. H. MISSISSIPPI VALLEY CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,679 | -0.456% | 202 | |
6 | GREATER IOWA CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Strong | $243 | +0.252% | 144 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $648 | -0.573% | 135 | |
8 | Du Trac Community Credit Union | Exceptional | Exceptional | Sound | Strong | Strong | $1,028 | -0.162% | 132 | |
9 | LINN AREA | Exceptional | Exceptional | Sound | Strong | Strong | $586 | -0.046% | 116 | |
10 | ASCENTRA Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $600 | -0.031% | 111 | |
11 | Empeople Credit Union | Strong | Strong | Strong | Sound | Strong | $732 | -0.241% | 273 | |
12 | Collins Community Credit Union | Strong | Strong | Strong | Sound | Strong | $786 | -0.092% | 211 | |
13 | COMMUNITY 1ST CREDIT UNION | Sound | Mediocre | Sound | Sound | Exceptional | $509 | +0.434% | 654 | |
14 | MARINE CREDIT UNION | Sound | Mediocre | Strong | Sound | Strong | $2,281 | +1.374% | 92 | |
15 | Premier Credit Union | Sound | Mediocre | Acceptable | Strong | Strong | $2,992 | +0.374% | 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)
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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