Applications / Mortgage Analytics / Lenders / Iowa / Premier Credit Union
Des Moines, IA · Credit union · NCUA · $374 million assets · 573 loans in 2025
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573
loans originated, 2025
758
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Premier Credit Union is a Des Moines credit union lending mostly for other purposes and home improvement, with 1.1% of its home market; its 573 loans in 2025 were 6% fewer than in 2024.
Other purposes made up 47.3% of its loans and home improvement 28.3%; purchases were 13.3% and refinances 11.2%. Its typical loan was $95,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
Originations fell 6%, while similar lenders grew 6% and the whole market 10%. Its count has eased each year since 749 in 2022, but remains well above the 314 it made five years before. Its dollar volume still rose, to $76.7 million from $67.6 million, as its typical loan rose from $75,000. The fact pack does not show why the count fell; a shift toward fewer, larger loans is one possibility.
In Des Moines-West Des Moines it ranked 22 of 396 lenders with 1.1% of the market, down from 1.2%, possibly because the market grew faster than its lending there; GreenState Credit Union led. In Ames its share rose to 1.0% from 0.7%, and in Sioux City, which it entered in 2024, to 0.7% from 0.1%.
Majority-minority areas took 3.8% of its loans, against 11.0% at similar lenders, and LMI (low- and moderate-income) borrowers 24.4%, against 27.0%, down from 35.3% in 2024. One possible reason is its footprint, mostly in Iowa, where its largest markets are.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Premier Credit Union took 758 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.3% · Home improvement 28.3% · Purchase 13.3% · Refinance 11.2%
Conventional 100.0% · of 573 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 | 545 | 95.1% |
| Nebraska | 7 | 1.2% |
| South Dakota | 3 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 426 |
| Sioux City | 40 |
| Ames | 38 |
| Waterloo-Cedar Falls | 4 |
| Grand Island | 1 |
| Lincoln | 1 |
| Omaha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004WBDC394DA3W87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 85696 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564271 | 1990–2017 |
Established 1 January 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Premier Credit Union's data.
Premier Credit Union's data
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