# Community Choice Credit Union

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


Community Choice Credit Union is a credit union, headquartered in Johnston, IA, with 527 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900CQVBYQI6BDWS96
- **Headquarters:** Johnston, IA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.264%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,105
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 527
- **Dollar Volume:** $143 million
- **Applications Received:** 535
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $272,116
- **Average Borrower Income:** $129,571
- **Average Property Value:** $362,097

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **VA Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 499 | -0.248% | $1,133 | Strong 😀 |
| VA | 66/100 | 26 | -0.650% | $555 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 418 loans, Score: 68/100 (Strong)
- Refinance: 81 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 24 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 444 | $121M | -0.289% | Strong 😀 |
| Refinance | 65/100 | 83 | $22M | -0.133% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 527 | 1.49% | 83/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Des Moines | IA | 448 | 93/100 |
| Non |  | 45 | 41/100 |
| Ames, IA | IA | 30 | 65/100 |

## Where This Lender Ranks

Community Choice Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Iowa for VA Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Iowa for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Des Moines Credit Unions
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Des Moines for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Des Moines for VA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Des Moines for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Ames, IA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Des Moines
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders)
- 🏆 **#4** in Des Moines for Conventional Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Ames, IA Credit Unions
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Ames, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Ames, IA
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders)
- 🏆 **#6** in Iowa
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders)
- 🏆 **#6** in Iowa for Conventional Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Community Choice Credit Union offer?

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

### Where does Community Choice Credit Union offer mortgages?

Community Choice Credit Union offers mortgages in 1 states: IA.

### How competitive are Community Choice Credit Union's mortgage rates?

Community Choice Credit Union has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.264% below market average.

### What type of lender is Community Choice Credit Union?

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

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

Community Choice Credit Union has a pull-through score of 70/100 (Strong). 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/community-choice-credit-union

### How to Cite

> "Community Choice Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-choice-credit-union

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