R.I.A. Federal Credit Union in Iowa vs the state
20.0%Denial rate+7.14 pts vs state
21.9%Decision denial rate+6.62 pts vs state
69.8%Origination rate+1.30 pts vs state
5.75%Median rate-0.75 pts vs state
0.23Rate spread (pts)+0.04 pts vs state
$88kMedian applicant income
143Loans originated
41Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 187 | 103 | 20.9% | 6.75% | #96 |
| 2024 | 196 | 125 | 19.4% | 6.25% | #96 |
| 2025 | 205 | 143 | 20.0% | 5.75% | #98 |
What R.I.A. Federal Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most R.I.A. Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 172 | 124 | 30 | 17.4% |
| Muscatine County | 14 | 8 | 5 | 35.7% |
| Clinton County | 9 | 5 | 2 | 22.2% |
| Cedar County | 4 | 2 | 2 | 50.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Black Hawk County | 2 | 1 | 1 | 50.0% |
| Louisa County | 1 | 0 | 1 | 100.0% |
| Polk County | 1 | 1 | 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: 205 applications in 2025, of which 143 were originated and 41 denied.
20.0% of all applications, or 21.9% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans R.I.A. Federal Credit Union originated in Iowa in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are R.I.A. 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