# CEDAR FALLS COMMUNITY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/cedar-falls-community-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


CEDAR FALLS COMMUNITY CREDIT UNION is a credit union, headquartered in Cedar Falls, IA, serving borrowers across 4 states, with 82 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300EHZKNMEE6UUC83
- **Headquarters:** Cedar Falls, IA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, IA, MN, MO
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 82
- **Dollar Volume:** $15 million
- **Applications Received:** 93
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $178,171
- **Average Borrower Income:** $100,561
- **Average Property Value:** $26,473,032

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 80 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 39 loans, Score: 38/100 (Acceptable)
- Refinance: 41 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 41 | $10M | - | Acceptable 🙂 |
| Refinance | 60/100 | 41 | $5M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 76 | 0.21% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Waterloo | IA | 56 | 72/100 |
| Non |  | 20 | 37/100 |

## Where This Lender Ranks

CEDAR FALLS COMMUNITY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Waterloo Credit Unions
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Waterloo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Waterloo
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders)
- 🏆 **#13** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🏆 **#16** in Waterloo for Conventional Loans
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CEDAR FALLS COMMUNITY CREDIT UNION offer?

CEDAR FALLS COMMUNITY 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 CEDAR FALLS COMMUNITY CREDIT UNION offer mortgages?

CEDAR FALLS COMMUNITY CREDIT UNION offers mortgages in 4 states: FL, IA, MN, MO.

### What type of lender is CEDAR FALLS COMMUNITY CREDIT UNION?

CEDAR FALLS COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cedar Falls, IA.

### What is CEDAR FALLS COMMUNITY CREDIT UNION's loan approval success rate?

CEDAR FALLS COMMUNITY CREDIT UNION has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/cedar-falls-community-credit-union

### How to Cite

> "CEDAR FALLS COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cedar-falls-community-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/cedar-falls-community-credit-union)**