Cedar Falls Community Credit Union in Iowa vs the state
5.1%Denial rate-7.76 pts vs state
5.3%Decision denial rate-9.99 pts vs state
90.1%Origination rate+21.68 pts vs state
5.88%Median rate-0.63 pts vs state
—Rate spread (pts)
$85kMedian applicant income
265Loans originated
15Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 143 | 2.7% | 6.75% | #108 |
| 2024 | 284 | 251 | 5.6% | 6.50% | #68 |
| 2025 | 294 | 265 | 5.1% | 5.88% | #77 |
What Cedar Falls Community Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Cedar Falls Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Black Hawk County | 166 | 154 | 4 | 2.4% |
| Bremer County | 29 | 27 | 0 | 0.0% |
| Grundy County | 13 | 11 | 2 | 15.4% |
| Butler County | 11 | 9 | 1 | 9.1% |
| Fayette County | 6 | 5 | 1 | 16.7% |
| Polk County | 6 | 6 | 0 | 0.0% |
| Allamakee County | 5 | 5 | 0 | 0.0% |
| Chickasaw County | 4 | 3 | 0 | 0.0% |
| Floyd County | 4 | 4 | 0 | 0.0% |
| Buchanan County | 3 | 3 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 294 applications in 2025, of which 265 were originated and 15 denied.
5.1% of all applications, or 5.3% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Cedar Falls Community Credit Union originated in Iowa in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Cedar Falls Community Credit Union's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology