Applications / Mortgage Analytics / Lenders / Illinois / I. H. Mississippi Valley Credit Union
Moline, IL · Credit union · NCUA · $2.3 billion assets · 784 loans in 2025
I. H. Mississippi Valley Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
784
loans originated, 2025
1,197
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
I. H. Mississippi Valley Credit Union is the third-largest mortgage lender in Davenport-Moline-Rock Island, a purchase-led credit union whose lending to low- and moderate-income borrowers is higher than at nearly all similar lenders.
It ranked 3 of 288 lenders in Davenport-Moline-Rock Island, IA-IL, behind GreenState Credit Union and Ruhl Mortgage, and has reported there since before 1990. Its share fell 0.8 points to 5.5%. Its loans rose 4% while the whole market grew 10%; faster growth at competitors, or a quieter year for the refinancing that makes up a third of its loans, are possible reasons.
Purchases were 58.8% of its loans and refinance 33.4%, with little home-improvement lending. All its loans were conventional, and its typical loan of $125,000 was the same in 2025, 2024 and five years earlier, a little above peers' $105,000.
LMI (low- and moderate-income) borrowers took 44.5% of its loans, higher than nearly all similar lenders (credit unions making between half and twice as many loans), whose figure is 27.3%. The share has risen from 28.7% five years earlier and 38.2% in 2024. Its share in LMI neighbourhoods, 17.5%, is higher than about two-thirds of peers.
Its typical rate of 6.31% was lower than about four in five similar lenders, against 7.00% for peers. It was 6.38% a year earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. I. H. Mississippi Valley Credit Union took 1,197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.8% · Refinance 33.4% · Other 5.0% · Home improvement 2.8%
Conventional 100.0% · of 784 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 |
|---|---|---|
| Illinois | 469 | 59.8% |
| Iowa | 308 | 39.3% |
| Florida | 1 | 0.1% |
| Minnesota | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| Montana | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| Texas | 1 | 0.1% |
| Wisconsin | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 613 |
| Des Moines-West Des Moines | 29 |
| Peoria | 5 |
| Ames | 4 |
| Iowa City | 3 |
| Bloomington | 2 |
| Waterloo-Cedar Falls | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Elgin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AR4BCLQFU47165 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 131892 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560337 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: I. H. Mississippi Valley Credit Union's data.
I. H. Mississippi Valley Credit Union's data
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I. H. Mississippi Valley 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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