Lenders › Empeople Credit Union › Iowa
Empeople Credit Union in Iowa
HMDA record for properties in Iowa, calendar year 2024. National record · Iowa overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Iowa, Empeople Credit Union reported 951 applications and 643 originations for 2024, $111m in all.
Its denial rate in the state was 15.8%, close to the Iowa rate of 15.9% across all lenders and compared with the lender's national rate of 22.7%.
The median rate spread on its Iowa originations was -0.5 percentage points (state median 0.2).
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Iowa | Iowa, all lenders | Empeople Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.8% | 15.9% | 22.7% | 24.3% |
| Median rate spread, pp | -0.5 | 0.2 | -0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.4% | 15.6% | 1.5% | 15.6% |
| Average originated loan | $172k | $187k | $174k | $329k |
| Home purchase share | 39.7% | 57.7% | 34.8% | 57.0% |
| FHA-insured share | 0.0% | 8.2% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.2% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIowa, all lenders
Loan purpose and loan type in Iowa
By purpose
Home purchase 40% (255)Home improvement 16% (100)Refinancing 25% (163)Cash-out refinancing 5% (31)Other purpose 15% (94)
By type
Conventional 100% (643)
Denial reasons as coded
Share of 122 denials in Iowa by first denial reason coded (outlined bar: all lenders in the state).
Counties in Iowa
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Scott County | 253 | 182 | $37m | 9.9% |
| Polk County | 163 | 115 | $23m | 15.2% |
| Black Hawk County | 119 | 81 | $9.2m | 18.8% |
| Dallas County | 50 | 40 | $10m | 9.1% |
| Dubuque County | 61 | 34 | $4.9m | 27.7% |
| Wapello County | 26 | 21 | $2.2m | — |
| Bremer County | 29 | 18 | $1.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Empeople Credit Union originate in Iowa in 2024?
643 loans totalling $111m, from 951 applications reported for properties in Iowa.
What is Empeople Credit Union's denial rate in Iowa?
15.8% of decided applications in Iowa were denied, against 15.9% for all lenders in the state and 22.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Iowa counties does Empeople Credit Union lend in most?
By originations: Scott County (182), Polk County (115), Black Hawk County (81), Dallas County (40), Dubuque County (34).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Iowa. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.