I. H. MISSISSIPPI VALLEY CREDIT UNION
I. H. MISSISSIPPI VALLEY CREDIT UNION received 1,193 applications in 2025 and made 784 mortgages, in 88 counties across 20 states. The median rate its borrowers got was 6.313% on a median loan of $125,000. Of 1,020 decisions, 148 were denials — 14.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300AR4BCLQFU47165 |
|---|---|
| Applications received | 1,193 |
| Mortgages made | 784 |
| Denied | 148 |
| Approved, not taken up | 88 |
| Withdrawn or incomplete | 173 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.174 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 | 461 | 6.250% | $155,000 | 0.2% |
| Refinancing | 258 | 6.375% | $95,000 | 11.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 61 | 8.690% | $35,000 | 57.6% |
Where I. H. MISSISSIPPI VALLEY CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Rock Island County, IL | 287 | 6.375% | 17.2% |
| Scott County, IA | 227 | 6.250% | 10.1% |
| Henry County, IL | 76 | 6.375% | 10.6% |
| Knox County, IL | 35 | 6.375% | 13.3% |
| Mercer County, IL | 23 | 6.125% | 3.6% |
| Polk County, IA | 19 | 5.875% | 0.0% |
| Clinton County, IA | 15 | 6.125% | 10.0% |
| Whiteside County, IL | 14 | 6.375% | 26.3% |
| Warren County, IL | 13 | 6.375% | 26.3% |
| Dallas County, IA | 7 | Under 10 loans | 0.0% |
| Cedar County, IA | 6 | Under 10 loans | 22.2% |
| Muscatine County, IA | 6 | Under 10 loans | 22.2% |
| Des Moines County, IA | 5 | Under 10 loans | 28.6% |
| Story County, IA | 4 | Under 10 loans | 0.0% |
| Peoria County, IL | 3 | Under 10 loans | 0.0% |
| Johnson County, IA | 3 | Under 10 loans | 0.0% |
| Henderson County, IL | 2 | Under 10 loans | 25.0% |
| McDonough County, IL | 2 | Under 10 loans | 60.0% |
| McLean County, IL | 2 | Under 10 loans | 33.3% |
| Ogle County, IL | 2 | Under 10 loans | 0.0% |
| Stark County, IL | 2 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 2 | Under 10 loans | 0.0% |
| Wapello County, IA | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Boone County, IL | 1 | Under 10 loans | 50.0% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Fulton County, IL | 1 | Under 10 loans | 50.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| LaSalle County, IL | 1 | Under 10 loans | 0.0% |
| Lee County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Cerro Gordo County, IA | 1 | Under 10 loans | 0.0% |
| Guthrie County, IA | 1 | Under 10 loans | 0.0% |
| Iowa County, IA | 1 | Under 10 loans | 0.0% |
| Kossuth County, IA | 1 | Under 10 loans | 0.0% |
| Louisa County, IA | 1 | Under 10 loans | 75.0% |
| Madison County, IA | 1 | Under 10 loans | 0.0% |
| Mahaska County, IA | 1 | Under 10 loans | 0.0% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Marshall County, IA | 1 | Under 10 loans | 0.0% |
| Palo Alto County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Woodbury County, IA | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Lewis and Clark County, MT | 1 | Under 10 loans | 0.0% |
| Macon County, NC | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
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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.