CEDAR FALLS COMMUNITY CREDIT UNION
CEDAR FALLS COMMUNITY CREDIT UNION received 304 applications in 2025 and made 275 mortgages, in 36 counties across 10 states. The median rate its borrowers got was 5.875% on a median loan of $75,000. Of 292 decisions, 15 were denials — 5.1%, most often for debt-to-income ratio. 20 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300EHZKNMEE6UUC83 |
|---|---|
| Applications received | 304 |
| Mortgages made | 275 |
| Denied | 15 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 57 | 5.875% | $175,000 | 1.7% |
| Refinancing | 40 | 5.500% | $65,000 | 10.9% |
| Cash-out refinancing | 65 | 5.250% | $65,000 | 7.1% |
| Other purposes | 113 | 6.390% | $65,000 | 3.4% |
Where CEDAR FALLS COMMUNITY CREDIT UNION lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Black Hawk County, IA | 154 | 6.000% | 2.5% |
| Bremer County, IA | 27 | 5.875% | 0.0% |
| Grundy County, IA | 11 | 7.000% | 15.4% |
| Butler County, IA | 9 | Under 10 loans | 10.0% |
| Polk County, IA | 6 | Under 10 loans | 0.0% |
| Allamakee County, IA | 5 | Under 10 loans | 0.0% |
| Fayette County, IA | 5 | Under 10 loans | 16.7% |
| Floyd County, IA | 4 | Under 10 loans | 0.0% |
| Buchanan County, IA | 3 | Under 10 loans | 0.0% |
| Chickasaw County, IA | 3 | Under 10 loans | 0.0% |
| Johnson County, IA | 3 | Under 10 loans | 0.0% |
| Story County, IA | 3 | Under 10 loans | 0.0% |
| Benton County, IA | 2 | Under 10 loans | 0.0% |
| Cherokee County, IA | 2 | Under 10 loans | 0.0% |
| Hancock County, IA | 2 | Under 10 loans | 0.0% |
| Linn County, IA | 2 | Under 10 loans | 0.0% |
| Tama County, IA | 2 | Under 10 loans | 33.3% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Cerro Gordo County, IA | 1 | Under 10 loans | 0.0% |
| Delaware County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Dubuque County, IA | 1 | Under 10 loans | 0.0% |
| Franklin County, IA | 1 | Under 10 loans | 0.0% |
| Marshall County, IA | 1 | Under 10 loans | 0.0% |
| Worth County, IA | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 1 | Under 10 loans | 0.0% |
| Mower County, MN | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Douglas County, NE | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
| Jasper County, IA | 0 | Under 10 loans | 100.0% |
| Winneshiek County, IA | 0 | 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.