Lender in Iowa · HMDA 2025
Empeople Credit Union mortgages in Iowa
Empeople Credit Union's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
Empeople Credit Union originated 346 owner-occupied single-family loans in Iowa from 385 completed applications.
Its median conventional purchase loan costs were $2,740 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.375% (Iowa: 6.375%).
Loans in IA
346
of 385 applications
Denial rate
6.3%
Purchase · IA 6.3%
Rate spread
−0.31 pts
Conv. · IA −0.05 pts
Loan amount
$255,000
Purchase · IA $215,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 288 | 268 | 6.3% | 6.375% | −0.31 pts | $2,740 | $255,000 |
| Refinance | 42 | 38 | 7.1% | — | −0.43 pts | $2,610 | $265,000 |
| Cash-out refinance | 55 | 40 | 27.3% | — | −0.20 pts | $2,740 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where Empeople Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Black Hawk County | 5 | 36 | 2.1% |
| Davis County | 6 | 2 | 2.8% |
| Scott County | 7 | 115 | 4.1% |
| Dubuque County | 8 | 24 | 1.9% |
| Buchanan County | 8 | 9 | 3.4% |
| Jackson County | 8 | 6 | 3.4% |
| Chickasaw County | 12 | 3 | 2.0% |
| Adair County | 12 | 1 | 1.7% |
| Wapello County | 13 | 5 | 1.3% |
| Bremer County | 15 | 5 | 1.3% |
| Keokuk County | 15 | 1 | 1.0% |
| Clinton County | 16 | 8 | 1.5% |
| Monona County | 16 | 1 | 0.9% |
| Winneshiek County | 16 | 1 | 0.9% |
| Guthrie County | 17 | 2 | 1.2% |
| Appanoose County | 17 | 1 | 0.8% |
| Wright County | 18 | 1 | 1.0% |
| Buena Vista County | 19 | 1 | 0.5% |
| Dickinson County | 20 | 1 | 0.5% |
| Fremont County | 20 | 1 | 1.1% |
| Muscatine County | 21 | 3 | 0.7% |
| Cedar County | 21 | 2 | 0.7% |
| Carroll County | 21 | 1 | 0.5% |
| Clayton County | 21 | 1 | 0.6% |
| Cerro Gordo County | 22 | 2 | 0.6% |
| Tama County | 22 | 2 | 1.1% |
| Butler County | 23 | 1 | 0.5% |
| Greene County | 23 | 1 | 1.0% |
| Grundy County | 23 | 1 | 0.5% |
| Lee County | 25 | 1 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology