Applications / Mortgage Analytics / Lenders / Iowa / River Valley Credit Union
Ames, IA · Credit union · NCUA · $114 million assets · 56 loans in 2025
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56
loans originated, 2025
59
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River Valley Credit Union, of Ames, Iowa, lends mainly to people who already own their homes: nearly two-thirds of its 56 loans in 2025 were for home improvement or other purposes, and only 14.3% were for buying a home.
Home-improvement loans made up 30.4% of its lending and other-purpose loans 33.9%. Such loans are small, and its typical loan was $65,000, against $95,000 at similar credit unions (credit unions making between half and twice as many loans). That is smaller than at about four in five of them. Every loan was conventional, with no government backing.
Borrowers with low or moderate incomes took 39.3% of its loans, against 30.9% at similar credit unions, a higher share than at about seven in ten. Its share in low- and moderate-income (LMI) neighborhoods was 3.6%, against 17.4%, and it made no loans in majority-minority neighborhoods. It lends in only eight counties, and with 56 loans two or three loans either way would move these shares a long way.
It made 156 loans in 2020 and has made between 54 and 57 a year since 2023. Its loans fell 2% in 2025 while the whole market grew 10%. In Ames, its largest market, its share edged up from 0.6% to 0.8%, putting it 29 of 189 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. River Valley Credit Union took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 33.9% · Home improvement 30.4% · Refinance 21.4% · Purchase 14.3%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ames | 45 |
| Des Moines-West Des Moines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OQY2Y402FHFI71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 64495 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561664 | 2010–2017 |
Established 1 January 1961. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: River Valley Credit Union's data.
River Valley Credit Union's data
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River Valley 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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