Applications / Mortgage Analytics / Lenders / Iowa / Affinity Credit Union
Des Moines, IA · Credit union · NCUA · $149 million assets · 39 loans in 2025
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39
loans originated, 2025
66
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Affinity Credit Union, in Des Moines, makes small loans, and borrowers of modest means took 71.0% of them, the highest share among similar credit unions.
Borrowers with low and moderate incomes (LMI) took 71.0% of its loans, against 31.6% at similar lenders (credit unions making between half and twice as many loans). Five years earlier the share was 33.3%. Poorer neighborhoods (LMI tracts) took 28.2%, against 17.4%. Majority-minority areas took 2.6%, against 9.1%, which may reflect a footprint of eight Iowa counties.
Other purposes made up 46.2% of its 39 loans, refinances 25.6% and home improvement 15.4%. Its typical loan was $45,000, against $85,000 at peers, lower than at nearly all of them. Such loans may explain its total of $2.7 million, about half the $5.6 million at peers. What the other-purpose loans pay for, the figures here do not say.
Its loans fell 15% to 39, while similar lenders grew 2%. It made 73 in 2023 and 46 in 2024. It filed no report for 2021 and 2022; those are gaps in the record, not years without lending.
It has lent in Des Moines-West Des Moines since 1990. It ranked 158 of 396 lenders there, its share down 0.1 points to 0.0%; with so few loans, a handful either way moves it. GreenState Credit Union led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Affinity Credit Union took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.2% · Refinance 25.6% · Home improvement 15.4% · Purchase 12.8%
Conventional 100.0% · of 39 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 | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 34 |
| Ames | 1 |
| Cedar Rapids | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q0QG1CZF1H4O06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 760694 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562829 | 1990–2016 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Affinity Credit Union's data.
Affinity Credit Union's data
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Affinity 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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