Journey Credit Union
Journey Credit Union received 63 applications in 2025 and made 59 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $55,000. Of 62 decisions, 3 were denials — 4.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900XRTANBKSC2EB64 |
|---|---|
| Applications received | 63 |
| Mortgages made | 59 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.411 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 | 12 | 6.500% | $170,000 | 0.0% |
| Refinancing | 11 | 6.590% | $55,000 | 8.3% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 28 | 7.090% | $25,000 | 6.7% |
Where Journey Credit Union lends most
The 8 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 | 42 | 6.608% | 4.6% |
| Warren County, IA | 9 | Under 10 loans | 0.0% |
| Jasper County, IA | 2 | Under 10 loans | 0.0% |
| Marion County, IA | 2 | Under 10 loans | 33.3% |
| Adair County, IA | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Madison County, IA | 1 | Under 10 loans | 0.0% |
| Monroe County, IA | 1 | Under 10 loans | 0.0% |
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When Journey 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.