# R.I.A. Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/ria-federal-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


R.I.A. Federal Credit Union is a credit union, headquartered in Bettendorf, IA, serving borrowers across 3 states, with 95 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900M3DBBSBUPR5L27
- **Headquarters:** Bettendorf, IA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IA, IL, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 95
- **Dollar Volume:** $16 million
- **Applications Received:** 148
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $165,947
- **Average Borrower Income:** $90,747
- **Average Property Value:** $218,736

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 95 | -0.167% | $665 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 70 loans, Score: 44/100 (Sound)
- Refinance: 25 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 70 | $13M | -0.173% | Sound ☺️ |
| Refinance | 48/100 | 25 | $3M | -0.066% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 46 | 0.13% | 61/100 |
| IL | 44 | 0.04% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 78 | 77/100 |
| Non |  | 15 | 32/100 |

## Where This Lender Ranks

R.I.A. Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Davenport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Davenport Credit Unions
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does R.I.A. Federal Credit Union offer?

R.I.A. Federal 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 R.I.A. Federal Credit Union offer mortgages?

R.I.A. Federal Credit Union offers mortgages in 3 states: IA, IL, WI.

### What type of lender is R.I.A. Federal Credit Union?

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

### What is R.I.A. Federal Credit Union's loan approval success rate?

R.I.A. Federal Credit Union has a pull-through score of 32/100 (Acceptable). 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/ria-federal-credit-union

### How to Cite

> "R.I.A. Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ria-federal-credit-union

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