MEMBERS1st Community Credit Union in Iowa vs the state
7.6%Denial rate-5.30 pts vs state
8.1%Decision denial rate-7.22 pts vs state
84.2%Origination rate+15.73 pts vs state
6.54%Median rate+0.04 pts vs state
0.35Rate spread (pts)+0.16 pts vs state
$100kMedian applicant income
245Loans originated
22Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 64 | 0.0% | 6.00% | #185 |
| 2024 | 105 | 91 | 10.5% | 6.75% | #143 |
| 2025 | 291 | 245 | 7.6% | 6.54% | #78 |
What MEMBERS1st Community Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most MEMBERS1st Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marshall County | 71 | 61 | 8 | 11.3% |
| Boone County | 62 | 56 | 6 | 9.7% |
| Story County | 21 | 21 | 0 | 0.0% |
| Hardin County | 19 | 16 | 3 | 15.8% |
| Tama County | 13 | 13 | 0 | 0.0% |
| Grundy County | 10 | 10 | 0 | 0.0% |
| Wapello County | 9 | 9 | 0 | 0.0% |
| Polk County | 8 | 6 | 2 | 25.0% |
| Black Hawk County | 5 | 5 | 0 | 0.0% |
| Des Moines County | 4 | 4 | 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: 291 applications in 2025, of which 245 were originated and 22 denied.
7.6% of all applications, or 8.1% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans MEMBERS1st Community Credit Union originated in Iowa in 2025 was 6.54%, against a statewide median of 6.50%.
About this data. Figures are MEMBERS1st 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