I. H. Mississippi Valley Credit Union in Iowa vs the state
9.9%Denial rate-2.95 pts vs state
11.3%Decision denial rate-4.05 pts vs state
71.0%Origination rate+2.51 pts vs state
6.25%Median rate-0.25 pts vs state
-0.25Rate spread (pts)-0.44 pts vs state
$88kMedian applicant income
308Loans originated
43Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 408 | 242 | 22.3% | 6.93% | #45 |
| 2024 | 404 | 272 | 13.9% | 6.38% | #57 |
| 2025 | 434 | 308 | 9.9% | 6.25% | #53 |
What I. H. Mississippi Valley Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most I. H. Mississippi Valley Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 307 | 227 | 28 | 9.1% |
| Polk County | 25 | 19 | 0 | 0.0% |
| Clinton County | 22 | 15 | 2 | 9.1% |
| Muscatine County | 12 | 6 | 2 | 16.7% |
| Cedar County | 10 | 6 | 2 | 20.0% |
| Des Moines County | 10 | 5 | 2 | 20.0% |
| Dallas County | 8 | 7 | 0 | 0.0% |
| Story County | 6 | 4 | 0 | 0.0% |
| Louisa County | 4 | 1 | 3 | 75.0% |
| Johnson 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: 434 applications in 2025, of which 308 were originated and 43 denied.
9.9% of all applications, or 11.3% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans I. H. Mississippi Valley Credit Union originated in Iowa in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are I. H. Mississippi Valley 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