Applications / Mortgage Analytics / Lenders / Iowa / Ascentra Credit Union
Bettendorf, IA · Credit union · NCUA · $575 million assets · 623 loans in 2025
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623
loans originated, 2025
883
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ascentra Credit Union is a Bettendorf, Iowa credit union making small loans, much of them to LMI (low- and moderate-income) borrowers, and it ranks 10 of 288 lenders in Davenport-Moline-Rock Island, where its share rose.
Other purposes made up 41.1% of its loans, purchases 32.7% and refinances 23.9%. Its typical loan, $75,000, was among the lowest tenth of similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000. All of its lending was conventional.
LMI borrowers took 42.9% of its loans, against 26.9% at similar lenders, higher than nearly all of them, and LMI areas 22.2%, against 15.1%. The borrower share has risen from 32.0% five years before.
In Davenport-Moline-Rock Island, IA-IL, where it has lent since before 1990, it ranked 10 of 288 lenders with 3.2% of the market, up 0.4 points from 2.8%. GreenState Credit Union led there. Its shares in Dubuque and Iowa City were very small.
Originations rose 5%, from 595 to 623, against 6% at similar lenders and 10% for the whole market. Dollar volume rose from $53.0 million to $68.2 million as its typical loan grew from $65,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ascentra Credit Union took 883 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.1% · Purchase 32.7% · Refinance 23.9% · Home improvement 2.2%
Conventional 100.0% · of 623 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 | 429 | 68.9% |
| Illinois | 194 | 31.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 437 |
| Cedar Rapids | 2 |
| Dubuque | 2 |
| Des Moines-West Des Moines | 1 |
| Iowa City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NSOTTGIGCIV712 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 555591 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563268 | 1990–2017 |
Established 1 January 1950. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ascentra Credit Union's data.
Ascentra Credit Union's data
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Ascentra 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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