# Collins Community Credit Union

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

Collins Community Credit Union is a credit union, headquartered in Cedar Rapids, IA, with 211 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900NT8VCCMPTPSO02
- **Headquarters:** Cedar Rapids, IA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.092%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $786
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 211
- **Dollar Volume:** $55 million
- **Applications Received:** 332
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $259,645
- **Average Borrower Income:** $130,445

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 211 | -0.092% | $786 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 180 loans, Score: 61/100 (Strong)
- Refinance: 31 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 180 | $48M | -0.122% | Sound ☺️ |
| Refinance | 53/100 | 31 | $7M | +0.083% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 211 | 0.60% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cedar Rapids, IA | IA | 152 | 83/100 |
| Iowa City, IA | IA | 15 | 51/100 |
| Des Moines | IA | 12 | 46/100 |
| Non |  | 10 | 23/100 |

## Frequently Asked Questions

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

Collins 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 Collins Community Credit Union offer mortgages?

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

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

Collins Community Credit Union has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.092% below market average.

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

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

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

Collins Community Credit Union has a pull-through score of 62/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/collins-community-credit-union

### How to Cite

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

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