Applications / Mortgage Analytics / Lenders / Iowa / R.I.A. Federal Credit Union
Bettendorf, IA · Credit union · NCUA · $659 million assets · 284 loans in 2025
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284
loans originated, 2025
449
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
R.I.A. Federal Credit Union, an Iowa lender that has reported since 1990, lends more to borrowers of modest means than nine in ten similar credit unions, and much of its lending is not for buying homes.
Low- and moderate-income (LMI) borrowers took 41.0% of its loans, against 27.5% at similar credit unions (those making between half and twice as many loans). That is more than at nine in ten of them. LMI neighborhoods took 20.8%, against 15.8%, and up from 14.5% five years before.
Home purchases were only 39.4% of its loans. Home improvement took 18.0% and other purposes 26.4%. That mix may explain a typical loan of $95,000, a little below similar credit unions' $105,000. Every loan was conventional, without a government guarantee.
Its loans rose 11%, to 284, against 6% at similar credit unions and 10% for the whole market. Davenport-Moline-Rock Island is its home market, where it has lent since 1990. Its dollar volume rose much faster than its loan count, so dollar-based measures of its position should be read with care.
Only 2.8% of its loans went to neighborhoods where most residents belong to minority groups, against 13.0% at similar credit unions. Several of its largest markets are rural Iowa, Illinois and Wisconsin, where such neighborhoods may be few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. R.I.A. Federal Credit Union took 449 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.4% · Other 26.4% · Home improvement 18.0% · Refinance 16.2%
Conventional 100.0% · of 284 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 | 143 | 50.4% |
| Illinois | 117 | 41.2% |
| Wisconsin | 24 | 8.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 223 |
| La Crosse-Onalaska | 2 |
| Des Moines-West Des Moines | 1 |
| Madison | 1 |
| Waterloo-Cedar Falls | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900M3DBBSBUPR5L27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 476285 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517117 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: R.I.A. Federal Credit Union's data.
R.I.A. Federal Credit Union's data
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R.I.A. Federal 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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