# GREATER IOWA CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/greater-iowa-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


GREATER IOWA CREDIT UNION is a credit union, headquartered in Ames, IA, with 144 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BB8TE7SXIUJI50
- **Headquarters:** Ames, IA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.5%
- **Brokered/Wholesale:** 0.5%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.252%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $243
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 144
- **Dollar Volume:** $24 million
- **Applications Received:** 193
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $167,153
- **Average Borrower Income:** $99,618
- **Average Property Value:** $256,389

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 144 | +0.252% | $243 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 74 loans, Score: 49/100 (Sound)
- Refinance: 70 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 74 | $17M | -0.036% | Sound ☺️ |
| Refinance | 66/100 | 70 | $8M | +0.562% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 144 | 0.41% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Des Moines | IA | 69 | 71/100 |
| Ames, IA | IA | 47 | 78/100 |
| Non |  | 25 | 38/100 |

## Where This Lender Ranks

GREATER IOWA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does GREATER IOWA CREDIT UNION offer?

GREATER IOWA 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 GREATER IOWA CREDIT UNION offer mortgages?

GREATER IOWA CREDIT UNION offers mortgages in 1 states: IA.

### How competitive are GREATER IOWA CREDIT UNION's mortgage rates?

GREATER IOWA CREDIT UNION has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.252% above market average.

### What type of lender is GREATER IOWA CREDIT UNION?

GREATER IOWA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Ames, IA.

### What is GREATER IOWA CREDIT UNION's loan approval success rate?

GREATER IOWA CREDIT UNION has a pull-through score of 63/100 (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/greater-iowa-credit-union

### How to Cite

> "GREATER IOWA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/greater-iowa-credit-union

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