Applications / Mortgage Analytics / Lenders / Iowa / The Family Credit Union
Davenport, IA · Credit union · NCUA · $242 million assets · 141 loans in 2025
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141
loans originated, 2025
237
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Family Credit Union, in Davenport, makes very small loans, mostly for home improvement and other purposes, and lends far more than its peers to lower-income borrowers and neighborhoods.
Purchases were only 20.6% of its loans and refinances 11.3%. The rest went to home improvement (29.1%) and other purposes (39.0%). Its typical loan was $55,000, against $105,000 for similar lenders (credit unions making between half and twice as many loans), smaller than almost all of them.
Some 46.8% of its borrowers had low or moderate incomes, against 28.9% for similar credit unions, and 36.9% of its loans went to low- and moderate-income neighborhoods, against 17.3%. Both are higher than about nine in ten peers. Five years before, its neighborhood share was 15.6%.
It made 141 loans, down 18%, while similar credit unions typically grew 9%. Its share in Davenport-Moline-Rock Island, where it has lent since 1990, slipped to 0.5% from 0.6%, possibly because it made fewer loans. It ranked 35 of 288 lenders there; GreenState Credit Union leads that market. It first lent in Rockford, Omaha and two other metros in 2025, with tiny shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Family Credit Union took 237 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.0% · Home improvement 29.1% · Purchase 20.6% · Refinance 11.3%
Conventional 100.0% · of 141 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 | 101 | 71.6% |
| Illinois | 36 | 25.5% |
| Arizona | 1 | 0.7% |
| Florida | 1 | 0.7% |
| Nebraska | 1 | 0.7% |
| Wisconsin | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 100 |
| Des Moines-West Des Moines | 8 |
| Madison | 1 |
| Omaha | 1 |
| Phoenix-Mesa-Chandler | 1 |
| Punta Gorda | 1 |
| Rockford | 1 |
| Waterloo-Cedar Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TRBLKWZO8LPT76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 500694 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560728 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Family Credit Union's data.
The Family Credit Union's data
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The Family 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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