Applications / Mortgage Analytics / Lenders / Iowa / Journey Credit Union
Des Moines, IA · Credit union · NCUA · $92.8 million assets · 59 loans in 2025
Journey Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
63
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Journey Credit Union is a small Des Moines lender of home-improvement loans, and more than half of its borrowers have low or moderate incomes.
Home improvements made up 35.6% of its loans, refinances 32.2% and purchases only 20.3%. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth.
Low- and moderate-income (LMI) borrowers took 54.2% of its loans, against 30.6% at similar lenders, more than nine in ten of them. LMI neighborhoods took 33.9%, against 17.3%, higher than at about nine in ten.
It made 59 loans in 2025, down 30% from 84, while similar lenders grew 7% and the whole market 10%. On numbers this small, a few dozen loans make a large swing; it still made more than the 28 of 2018. It filed no report for 2020 and 2021; those are gaps in the record. In Des Moines-West Des Moines it ranks 123 of 396 lenders, a market GreenState Credit Union leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Journey Credit Union took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.6% · Refinance 32.2% · Purchase 20.3% · Other 11.9%
Conventional 100.0% · of 59 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 | 59 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 55 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XRTANBKSC2EB64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 346995 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564361 | 1995–2017 |
Established 1 January 1954. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Journey Credit Union's data.
Journey Credit Union's data
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Journey 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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