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Community Choice Credit Union
Credit Union|Johnston, IA|Single State
Loans Originated
527
Applications
535
Volume
$143 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Conventional Champion💎VA Champion💎Refinance Champion⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.264%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,105
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
98.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 26.40 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA loans
Report Card
Community Choice Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 3 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$272,116
Average Borrower Income
$129,571
Average Property Value
$362,097
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Strong | Exceptional | Exceptional | 499 | 94.7% | -0.248% | $1,133 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 26 | 4.9% | -0.650% | $555 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 444 | 84.3% | -0.289% | $1,103 |
Refinance | Exceptional | Strong | Exceptional | Exceptional | 83 | 15.7% | -0.133% | $1,118 |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
IA
Top Metro Areas by Place Specialization Score
1
Des Moines, IAMSA
Volume: 448Mix: 85.01%
Place Specialization
Exceptional
2
Ames, IA, IAMSA
Volume: 30Mix: 5.69%
Place Specialization
Strong
Top States by Place Specialization Score
1
IAState
Volume: 527Mix: 100.00%
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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