Lenders › I H Mississippi Valley Credit Union › Iowa
I H Mississippi Valley 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.
I H Mississippi Valley Credit Union's 2024 HMDA record for Iowa covers 404 applications, 272 of them originated, worth $48m.
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 18.0%.
The median rate spread on its Iowa originations was -0.3 percentage points (state median 0.2).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Iowa | Iowa, all lenders | I H Mississippi Valley Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.8% | 15.9% | 18.0% | 24.3% |
| Median rate spread, pp | -0.3 | 0.2 | -0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 25.9% | 15.6% | 25.4% | 15.6% |
| Average originated loan | $177k | $187k | $150k | $329k |
| Home purchase share | 60.7% | 57.7% | 60.1% | 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 61% (165)Home improvement 2% (6)Refinancing 27% (73)Cash-out refinancing 1% (3)Other purpose 9% (25)
By type
Conventional 100% (272)
Denial reasons as coded
Share of 56 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 | 293 | 204 | $36m | 13.7% |
| Clinton County | 28 | 15 | $1.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did I H Mississippi Valley Credit Union originate in Iowa in 2024?
272 loans totalling $48m, from 404 applications reported for properties in Iowa.
What is I H Mississippi Valley 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 18.0% 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 I H Mississippi Valley Credit Union lend in most?
By originations: Scott County (204), Clinton County (15).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.