Applications / Mortgage Analytics / Lenders / Illinois / Empeople Credit Union
Moline, IL · Credit union · NCUA · $2.3 billion assets · 2,166 loans in 2025
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2,166
loans originated, 2025
3,556
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Empeople Credit Union is a mid-sized credit union that makes as many refinance as home-purchase loans, ranking 6 of 288 lenders in its largest market, Davenport-Moline-Rock Island.
It held 4.6% of the Davenport-Moline-Rock Island market, down from 4.8%, behind GreenState Credit Union in first place. A fall of 0.2 points is small and could reflect a stronger year for competitors rather than a pullback. In Waterloo-Cedar Falls its share rose to 2.2% from 1.9%, ranking 8 of 168.
Originations rose 8% to 2,166, while similar lenders (credit unions making between half and twice as many loans) grew 11% and the whole market 10%. It still made more loans than about six in ten of them. Its volume stood at 3,654 in 2022.
Of its loans, 9.6% were in LMI (low- and moderate-income) areas, against 15.2% at similar lenders, among the lowest twentieth, and 4.1% were in majority-minority areas, against 12.3%. The make-up of the Iowa and Davenport-Moline-Rock Island markets where most of its lending sits could account for this. Its share to LMI borrowers rose to 20.5% from 12.1% five years before, though it stays below peers' 27.0%.
Its typical rate was 6.49% against 7.00% at similar lenders, lower than about three in four of them, and 0.8% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Empeople Credit Union took 3,556 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 35.0% · Purchase 34.8% · Other 16.0% · Home improvement 14.2%
Conventional 100.0% · of 2,166 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 720 | 33.2% |
| Illinois | 309 | 14.3% |
| Maine | 257 | 11.9% |
| Wisconsin | 132 | 6.1% |
| North Carolina | 109 | 5.0% |
| Missouri | 52 | 2.4% |
| Kansas | 50 | 2.3% |
| North Dakota | 41 | 1.9% |
| Georgia | 38 | 1.8% |
| Minnesota | 37 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 448 |
| Portland-South Portland | 196 |
| Des Moines-West Des Moines | 175 |
| Waterloo-Cedar Falls | 119 |
| Dubuque | 54 |
| Raleigh-Cary | 38 |
| Kansas City | 37 |
| Bangor | 33 |
| Fargo | 27 |
| Winston-Salem | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900378RFGMBEKAF12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 769594 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 581414 | 1991–2004 |
| Respondent ID (the HMDA filer code before 2018) | 568598 | 2010–2017 |
Established 1 January 1935. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Empeople Credit Union's data.
Empeople Credit Union's data
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Empeople Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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