Applications / Mortgage Analytics / Lenders / Iowa / Cedar Falls Community Credit Union
Cedar Falls, IA · Credit union · NCUA · $234 million assets · 275 loans in 2025
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275
loans originated, 2025
304
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cedar Falls Community Credit Union, an Iowa lender, makes small loans at low rates and ranks 6 of 168 lenders in its home market of Waterloo-Cedar Falls.
Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), lower than at nearly nine in ten. Its typical rate was 5.88%, against 6.88%, lower than at about nine in ten. Refinances made up 38.2% of its loans, purchases 20.7% and home improvement 11.6%.
Borrowers with low and moderate incomes (LMI) took 38.7% of its loans, against 27.6% at similar lenders, more than at four in five. LMI neighborhoods took 19.2%, against 15.8%, up from 4.7% in 2020.
In Waterloo-Cedar Falls, IA its share fell 0.6 points to 2.8%, behind Veridian Credit Union and GreenState Credit Union. Competition from those bigger lenders, and from banks such as CCFBank, may be one reason. Another may be that some of its lending moved elsewhere. It lends in 10 states and entered three new metros in 2025, each with a very small share.
Its originations rose 7%, from 258 to 275, against 6% for the typical similar lender and 10% for the market, near the middle. That matches the 278 loans it made in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cedar Falls Community Credit Union took 304 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.2% · Purchase 20.7% · Other 15.6% · Not applicable 13.8% · Home improvement 11.6%
Conventional 100.0% · of 275 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 | 250 | 90.9% |
| Minnesota | 2 | 0.7% |
| Arizona | 1 | 0.4% |
| Colorado | 1 | 0.4% |
| Florida | 1 | 0.4% |
| Illinois | 1 | 0.4% |
| Missouri | 1 | 0.4% |
| North Carolina | 1 | 0.4% |
| Nebraska | 1 | 0.4% |
| Wisconsin | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waterloo-Cedar Falls | 192 |
| Des Moines-West Des Moines | 6 |
| Cedar Rapids | 4 |
| Ames | 3 |
| Iowa City | 3 |
| Cape Coral-Fort Myers | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Dubuque | 1 |
| Fort Collins-Loveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EHZKNMEE6UUC83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 45793 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565565 | 1992–2017 |
Established 1 January 1958. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Cedar Falls Community Credit Union's data.
Cedar Falls Community Credit Union's data
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Cedar Falls Community 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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