Lenders › Collins Community Credit Union › Iowa
Collins 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, Collins Community Credit Union reported 1,106 applications and 613 originations for 2024, $91m in all.
Its denial rate in the state was 25.2%, above the Iowa rate of 15.9% across all lenders and compared with the lender's national rate of 25.7%.
The median rate spread on its Iowa originations was 0.1 percentage points (state median 0.2).
Applications in the state were down 29% on 2023.
Compared with the state and the lender's national record
| Measure | In Iowa | Iowa, all lenders | Collins Community Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.2% | 15.9% | 25.7% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.2% | 15.6% | 17.2% | 15.6% |
| Average originated loan | $148k | $187k | $149k | $329k |
| Home purchase share | 42.6% | 57.7% | 42.5% | 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 43% (261)Home improvement 24% (149)Refinancing 14% (85)Cash-out refinancing 6% (36)Other purpose 13% (82)
By type
Conventional 100% (613)
Denial reasons as coded
Share of 213 denials in Iowa by first denial reason coded (outlined bar: all lenders in the state).
Counties in Iowa
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Linn County | 617 | 371 | $56m | 21.6% |
| Polk County | 128 | 58 | $8.4m | 36.7% |
| Johnson County | 64 | 39 | $6.5m | 12.5% |
| Dubuque County | 57 | 27 | $3.6m | 32.5% |
| Black Hawk County | 44 | 24 | $3.3m | 33.3% |
| Benton County | 39 | 21 | $2.6m | 25.0% |
| Jones County | 33 | 18 | $1.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Collins Community Credit Union originate in Iowa in 2024?
613 loans totalling $91m, from 1,106 applications reported for properties in Iowa.
What is Collins Community Credit Union's denial rate in Iowa?
25.2% of decided applications in Iowa were denied, against 15.9% for all lenders in the state and 25.7% 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 Collins Community Credit Union lend in most?
By originations: Linn County (371), Polk County (58), Johnson County (39), Dubuque County (27), Black Hawk County (24).
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.