MEMBERS1st Community Credit Union
MEMBERS1st Community Credit Union received 294 applications in 2025 and made 245 mortgages, in 40 counties across 3 states. The median rate its borrowers got was 6.540% on a median loan of $75,000. Of 273 decisions, 23 were denials — 8.4%, most often for credit history. 24 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900KXKBNKNWDAIL39 |
|---|---|
| Applications received | 294 |
| Mortgages made | 245 |
| Denied | 23 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.35 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 | 33 | 6.125% | $135,000 | 0.0% |
| Refinancing | 52 | 5.948% | $80,000 | 0.0% |
| Cash-out refinancing | 43 | 6.160% | $105,000 | 0.0% |
| Other purposes | 117 | 7.500% | $55,000 | 16.1% |
Where MEMBERS1st Community Credit Union lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marshall County, IA | 61 | 6.290% | 11.6% |
| Boone County, IA | 56 | 7.500% | 9.7% |
| Story County, IA | 21 | 7.000% | 0.0% |
| Hardin County, IA | 16 | 6.750% | 15.8% |
| Tama County, IA | 13 | 6.990% | 0.0% |
| Grundy County, IA | 10 | 6.770% | 0.0% |
| Wapello County, IA | 9 | Under 10 loans | 0.0% |
| Polk County, IA | 6 | Under 10 loans | 25.0% |
| Black Hawk County, IA | 5 | Under 10 loans | 0.0% |
| Des Moines County, IA | 4 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 4 | Under 10 loans | 0.0% |
| Mahaska County, IA | 3 | Under 10 loans | 0.0% |
| Webster County, IA | 3 | Under 10 loans | 0.0% |
| Clay County, IA | 2 | Under 10 loans | 0.0% |
| Clinton County, IA | 2 | Under 10 loans | 0.0% |
| Floyd County, IA | 2 | Under 10 loans | 0.0% |
| Guthrie County, IA | 2 | Under 10 loans | 0.0% |
| Hamilton County, IA | 2 | Under 10 loans | 0.0% |
| Humboldt County, IA | 2 | Under 10 loans | 0.0% |
| O'Brien County, IA | 2 | Under 10 loans | 0.0% |
| Page County, IA | 2 | Under 10 loans | 0.0% |
| Poweshiek County, IA | 2 | Under 10 loans | 0.0% |
| Benton County, IA | 1 | Under 10 loans | 0.0% |
| Butler County, IA | 1 | Under 10 loans | 0.0% |
| Carroll County, IA | 1 | Under 10 loans | 0.0% |
| Cass County, IA | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Franklin County, IA | 1 | Under 10 loans | 0.0% |
| Greene County, IA | 1 | Under 10 loans | 0.0% |
| Hancock County, IA | 1 | Under 10 loans | 0.0% |
| Harrison County, IA | 1 | Under 10 loans | 0.0% |
| Iowa County, IA | 1 | Under 10 loans | 0.0% |
| Jefferson County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, IA | 1 | Under 10 loans | 0.0% |
| Kossuth County, IA | 1 | Under 10 loans | 0.0% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Sac County, IA | 1 | Under 10 loans | 0.0% |
| Union County, IA | 1 | Under 10 loans | 0.0% |
| Douglas County, NE | 0 | Under 10 loans | Not published |
| Alamance County, NC | 0 | Under 10 loans | 100.0% |
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When MEMBERS1st 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.