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COMMUNITY 1ST CREDIT UNION
Credit Union|Ottumwa, IA|Regional
Loans Originated
656
Applications
978
Volume
$65 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.435%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$510
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
Report Card
COMMUNITY 1ST CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 4 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$100,015
Average Borrower Income
$89,677
Average Property Value
$207,729
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 656 | 100.0% | +0.435% | $510 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Acceptable | Acceptable | 279 | 42.5% | +0.515% | $703 |
Refinance | Sound | Strong | Mediocre | Strong | 377 | 57.5% | +0.339% | $280 |
Geographic Coverage
Metro Areas
3
States Served
2
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
IAMO
Top Metro Areas by Place Specialization Score
1
Des Moines, IAMSA
Volume: 41Mix: 6.25%
Place Specialization
Sound
2
Cedar Rapids, IA, IAMSA
Volume: 25Mix: 3.81%
Place Specialization
Sound
3
Iowa City, IA, IAMSA
Volume: 12Mix: 1.83%
Place Specialization
Sound
Top States by Place Specialization Score
1
IAState
Volume: 654Mix: 99.70%
Place Specialization
Exceptional
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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