Lenders › MEMBERS1st Community Credit Union › Iowa
MEMBERS1st Community 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, MEMBERS1st Community Credit Union reported 105 applications and 91 originations for 2024, $11m in all.
Its denial rate in the state was 10.8%, below the Iowa rate of 15.9% across all lenders and compared with the lender's national rate of 10.8%.
The median rate spread on its Iowa originations was 1.1 percentage points (state median 0.2).
Applications in the state were up 62% on 2023.
Compared with the state and the lender's national record
| Measure | In Iowa | Iowa, all lenders | MEMBERS1st Community Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.8% | 15.9% | 10.8% | 24.3% |
| Median rate spread, pp | 1.1 | 0.2 | 1.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 39.0% | 15.6% | 39.0% | 15.6% |
| Average originated loan | $121k | $187k | $121k | $329k |
| Home purchase share | 18.7% | 57.7% | 18.7% | 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 19% (17)Home improvement 1% (1)Refinancing 13% (12)Cash-out refinancing 21% (19)Other purpose 46% (42)
By type
Conventional 100% (91)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Iowa
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Marshall County | 29 | 29 | $2.0m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did MEMBERS1st Community Credit Union originate in Iowa in 2024?
91 loans totalling $11m, from 105 applications reported for properties in Iowa.
What is MEMBERS1st Community Credit Union's denial rate in Iowa?
10.8% of decided applications in Iowa were denied, against 15.9% for all lenders in the state and 10.8% 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 MEMBERS1st Community Credit Union lend in most?
By originations: Marshall County (29).
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.