What loan types does Linn Area offer?

Linn Area offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Linn Area offer mortgages?

Linn Area offers mortgages in 1 states: IA.

How competitive are Linn Area's mortgage rates?

Linn Area has an overall pricing score of 86/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Linn Area?

Linn Area is a Credit Union headquartered in Cedar Rapids, IA.

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Linn Area

Credit Union•Cedar Rapids, IAHQ•Direct•Reviews near you on Google

Linn Area has 116 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 4.60 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Linn Area performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 4.6 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

116 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

90 loans · 0.08% below market

Sound

Top 60% of lenders

3/5

Refinance

26 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	116	100.0%	-0.046%Below	$586Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume116

Mix100.0%

Spread

-0.046%Below

Fees

$586Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	90	77.6%	-0.076%Below	$620Fees
Refinance	Strong	Sound	Strong	Strong	26	22.4%	+0.068%Above	$458Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume90

Mix77.6%

Spread

-0.076%Below

Fees

$620Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume26

Mix22.4%

Spread

+0.068%Above

Fees

$458Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

116

Applications

155

Volume

$22 million

Pricing & Closing

Avg Rate Spread

-0.046%

vs. market APOR

Avg Net Fees

$586

Origination − Credits

Pullthrough Rate

74.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$193,534

Avg Borrower Income

$109,319

Avg Property Value

$277,414

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

Top Metro Areas by Place Specialization Score

Cedar Rapids, IAMetro

Volume 100Mix 86.21% of portfolio

79/100

Strong

Top States by Place Specialization Score

IowaState

Volume 116Mix 100.00% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.