Empeople Credit Union in Iowa vs the state
14.2%Denial rate+1.33 pts vs state
17.1%Decision denial rate+1.83 pts vs state
68.1%Origination rate-0.34 pts vs state
6.49%Median rate-0.01 pts vs state
-0.37Rate spread (pts)-0.56 pts vs state
$121kMedian applicant income
720Loans originated
150Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,062 | 691 | 16.2% | 6.75% | #17 |
| 2024 | 951 | 643 | 12.8% | 6.63% | #20 |
| 2025 | 1,057 | 720 | 14.2% | 6.49% | #19 |
What Empeople Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 293 | 209 | 34 | 11.6% |
| Polk County | 165 | 114 | 27 | 16.4% |
| Black Hawk County | 138 | 92 | 23 | 16.7% |
| Dubuque County | 86 | 54 | 13 | 15.1% |
| Dallas County | 52 | 41 | 1 | 1.9% |
| Wapello County | 26 | 18 | 6 | 23.1% |
| Bremer County | 23 | 18 | 3 | 13.0% |
| Buchanan County | 22 | 13 | 5 | 22.7% |
| Grundy County | 17 | 9 | 4 | 23.5% |
| Jackson County | 14 | 8 | 3 | 21.4% |
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: 1,057 applications in 2025, of which 720 were originated and 150 denied.
14.2% of all applications, or 17.1% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Empeople Credit Union originated in Iowa in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Empeople 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