Applications / Mortgage Analytics / Lenders / Iowa / Community Choice Credit Union
Johnston, IA · Credit union · NCUA · $903 million assets · 1,760 loans in 2025
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1,760
loans originated, 2025
2,692
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Choice Credit Union is an Iowa lender whose originations rose 56% in 2025, faster than more than nine in ten similar lenders, and which ranks third in Des Moines.
Originations rose 56% to 1,760, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. They are about double the 886 of 2020 and up from 246 in 2018. It merged with Public Employees Credit Union in 2025; that lender's filings count in the market-share figures, not in these originations.
In Des Moines-West Des Moines its share rose 1.7 points to 5.5%, ranking 3 of 396 lenders behind GreenState Credit Union and Veridian Credit Union; the merged credit union's filings counting there could be part of that rise. In Ames its share rose 0.2 points to 3.1%, ranking 9 of 189.
LMI (low- and moderate-income) borrowers took 34.0% of its loans, against 26.9% at similar lenders, higher than more than four in five of them, and up from 22.7% five years before. Majority-minority areas took 2.5%, against 11.0%; the make-up of the Iowa markets it serves is one possible reason.
Its typical rate, 6.12%, was lower than at more than four in five peers (7.00%), and 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 1.3%. Its denial rates were 1.5% for purchases and 8.0% for refinances, against 6.1% and 19.5% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Choice Credit Union took 2,692 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.9% · Other 31.6% · Home improvement 13.8% · Refinance 13.8%
Conventional 95.8% · FHA 2.6% · VA 1.5% · USDA (RHS or FSA) 0.1% · of 1,760 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 | 1,760 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 1,511 |
| Ames | 113 |
| Waterloo-Cedar Falls | 7 |
| Iowa City | 4 |
| Omaha | 3 |
| Cedar Rapids | 1 |
| Davenport-Moline-Rock Island | 1 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CQVBYQI6BDWS96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 288590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565078 | 1992–2017 |
Established 1 January 1953. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Community Choice Credit Union's data.
Community Choice Credit Union's data
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Community Choice 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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