# ASCENTRA Credit Union

> **Canonical URL:** https://saferate.com/lenders/ascentra-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ASCENTRA Credit Union is a credit union, headquartered in Bettendorf, IA, serving borrowers across 2 states, with 181 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300NSOTTGIGCIV712
- **Headquarters:** Bettendorf, IA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IA, IL
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.028%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $613
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 181
- **Dollar Volume:** $29 million
- **Applications Received:** 507
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $159,199
- **Average Borrower Income:** $80,227
- **Average Property Value:** $207,590

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 181 | -0.028% | $613 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 153 loans, Score: 58/100 (Sound)
- Refinance: 28 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 153 | $25M | +0.009% | Sound ☺️ |
| Refinance | 49/100 | 28 | $4M | -0.211% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 111 | 0.31% | 69/100 |
| IL | 70 | 0.06% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 132 | 84/100 |
| Non |  | 48 | 47/100 |

## Where This Lender Ranks

ASCENTRA Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Davenport Credit Unions
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Davenport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Davenport
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders)
- 🏆 **#10** in Davenport for Conventional Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🏆 **#12** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does ASCENTRA Credit Union offer?

ASCENTRA Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ASCENTRA Credit Union offer mortgages?

ASCENTRA Credit Union offers mortgages in 2 states: IA, IL.

### How competitive are ASCENTRA Credit Union's mortgage rates?

ASCENTRA Credit Union has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.028% below market average.

### What type of lender is ASCENTRA Credit Union?

ASCENTRA Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bettendorf, IA.

### What is ASCENTRA Credit Union's loan approval success rate?

ASCENTRA Credit Union has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ascentra-credit-union

### How to Cite

> "ASCENTRA Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ascentra-credit-union

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