Credit Human Federal Credit Union in Iowa vs the state
62.5%Denial rate+49.64 pts vs state
62.5%Decision denial rate+47.19 pts vs state
27.5%Origination rate-40.96 pts vs state
8.60%Median rate+2.10 pts vs state
2.64Rate spread (pts)+2.45 pts vs state
$72kMedian applicant income
11Loans originated
25Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 4 | 90.6% | 7.65% | #148 |
| 2024 | 32 | 8 | 62.5% | 8.70% | #249 |
| 2025 | 40 | 11 | 62.5% | 8.60% | #242 |
What Credit Human Federal Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 7 | 1 | 6 | 85.7% |
| Pottawattamie County | 6 | 1 | 5 | 83.3% |
| Linn County | 6 | 2 | 4 | 66.7% |
| Story County | 6 | 1 | 5 | 83.3% |
| Dallas County | 4 | 2 | 1 | 25.0% |
| Dubuque County | 2 | 0 | 1 | 50.0% |
| Muscatine County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Jones County | 1 | 0 | 1 | 100.0% |
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: 40 applications in 2025, of which 11 were originated and 25 denied.
62.5% of all applications, or 62.5% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Credit Human Federal Credit Union originated in Iowa in 2025 was 8.60%, against a statewide median of 6.50%.
About this data. Figures are Credit Human Federal 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