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Cedar Falls Community Credit Union

Credit UnionCedar Falls, IADirect to Consumer

Cedar Falls Community Credit Union has 82 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Strong
Regional · 1 mkts

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Report Card

Cedar Falls Community Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
8097.6%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Strong
4150.0%
Refinance
Strong
Sound
Exceptional
4150.0%

At a Glance

Lender Overview

Lending Activity
Loans Originated
82
Applications
93
Volume
$14 million
Typical Borrower
Avg Loan Amount
$178,171
Avg Borrower Income
$100,561
Avg Property Value
$26,473,032

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLIAMNMO

Top Metro Areas by Place Specialization Score

1
Waterloo, IAMSA
Volume: 56Mix: 68.29%of portfolio
Place
Strong

Top States by Place Specialization Score

1
IAState
Volume: 76Mix: 92.68%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.