FIRST CLASS COMMUNITY CREDIT UNION
FIRST CLASS COMMUNITY CREDIT UNION received 117 applications in 2025 and made 75 mortgages, in 11 counties across 2 states. The median rate its borrowers got was 5.625% on a median loan of $55,000. Of 115 decisions, 40 were denials — 34.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300K04ZGWYV7LDX51 |
|---|---|
| Applications received | 117 |
| Mortgages made | 75 |
| Denied | 40 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.5 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 23 | 5.875% | $55,000 | 23.3% |
| Other purposes | 41 | 5.490% | $55,000 | 44.6% |
Where FIRST CLASS COMMUNITY CREDIT UNION lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Polk County, IA | 54 | 5.563% | 33.3% |
| Dallas County, IA | 10 | 5.625% | 28.6% |
| Warren County, IA | 7 | Under 10 loans | 41.7% |
| Jasper County, IA | 1 | Under 10 loans | 0.0% |
| Madison County, IA | 1 | Under 10 loans | 0.0% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Woodbury County, IA | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 0 | Under 10 loans | 100.0% |
| Cass County, IA | 0 | Under 10 loans | 100.0% |
| Story County, IA | 0 | Under 10 loans | 100.0% |
| Wayne County, IA | 0 | Under 10 loans | 100.0% |
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When FIRST CLASS COMMUNITY CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.