Applications / Mortgage Analytics / Lenders / Iowa / MEMBERS1st Community Credit Union
Marshalltown, IA · Credit union · NCUA · $297 million assets · 245 loans in 2025
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245
loans originated, 2025
294
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MEMBERS1st Community Credit Union, an Iowa credit union, nearly tripled its lending in 2025, to 245 loans, mostly refinancing and home improvement.
Its originations rose 169%, from 91, while similar lenders (credit unions making between half and twice as many loans) grew 5% and the whole market 10%. Nearly all of them grew more slowly. Its 245 loans were the most since at least 2018, above the 168 of 2020. Which product drove the rise is an open question.
Refinancing made up 38.8% of its loans and home improvement 33.5%; purchases were only 13.5%. Its typical loan was $75,000, against $105,000 at similar lenders, smaller than at more than four in five of them. All its loans were conventional.
Low- and moderate-income (LMI) borrowers took 39.1% of its loans, against 27.8% at similar lenders, more than at about four in five of them. Poorer neighborhoods (LMI tracts) took 13.9%, a little below peers' 16.1%, which may reflect where its 38 counties lie.
In Ames, IA, its share rose to 1.3% from 0.5%, ranking it 22 of 189 lenders. Iowa Bankers Mortgage and Northwest Bank lead there. In Waterloo-Cedar Falls, IA its share rose to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MEMBERS1st Community Credit Union took 294 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.8% · Home improvement 33.5% · Other 14.3% · Purchase 13.5%
Conventional 100.0% · of 245 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 | 245 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ames | 77 |
| Waterloo-Cedar Falls | 15 |
| Des Moines-West Des Moines | 9 |
| Omaha | 5 |
| Cedar Rapids | 1 |
| Iowa City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KXKBNKNWDAIL39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 232098 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562918 | 2007–2017 |
Established 1 January 1964. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: MEMBERS1st Community Credit Union's data.
MEMBERS1st Community Credit Union's data
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MEMBERS1st 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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