Community Choice Credit Union
Community Choice Credit Union received 2,655 applications in 2025 and made 1,760 mortgages, in 65 counties across 2 states. The median rate its borrowers got was 6.125% on a median loan of $145,000. Of 2,072 decisions, 312 were denials — 15.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900CQVBYQI6BDWS96 |
|---|---|
| Applications received | 2,655 |
| Mortgages made | 1,760 |
| Denied | 312 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 583 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.201 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 | 719 | 6.250% | $265,000 | 2.2% |
| Refinancing | 190 | 6.125% | $245,000 | 7.3% |
| Cash-out refinancing | 52 | 6.750% | $135,000 | 11.9% |
| Other purposes | 799 | 5.990% | $65,000 | 25.5% |
Where Community Choice 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 |
|---|---|---|---|
| Polk County, IA | 1,020 | 6.125% | 15.6% |
| Dallas County, IA | 220 | 6.125% | 10.6% |
| Warren County, IA | 159 | 6.125% | 7.0% |
| Story County, IA | 74 | 6.125% | 22.1% |
| Jasper County, IA | 58 | 6.000% | 15.9% |
| Boone County, IA | 39 | 5.990% | 7.1% |
| Madison County, IA | 31 | 6.125% | 13.9% |
| Guthrie County, IA | 23 | 6.000% | 11.5% |
| Marion County, IA | 22 | 6.000% | 8.3% |
| Marshall County, IA | 15 | 6.740% | 31.8% |
| Hamilton County, IA | 8 | Under 10 loans | 27.3% |
| Hardin County, IA | 6 | Under 10 loans | 25.0% |
| Poweshiek County, IA | 6 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 5 | Under 10 loans | 58.3% |
| Clarke County, IA | 5 | Under 10 loans | 16.7% |
| Appanoose County, IA | 4 | Under 10 loans | 0.0% |
| Calhoun County, IA | 4 | Under 10 loans | 0.0% |
| Lucas County, IA | 4 | Under 10 loans | 33.3% |
| Clinton County, IA | 3 | Under 10 loans | 0.0% |
| Decatur County, IA | 3 | Under 10 loans | 0.0% |
| Johnson County, IA | 3 | Under 10 loans | 0.0% |
| Ringgold County, IA | 3 | Under 10 loans | 25.0% |
| Union County, IA | 3 | Under 10 loans | 40.0% |
| Carroll County, IA | 2 | Under 10 loans | 0.0% |
| Cass County, IA | 2 | Under 10 loans | 0.0% |
| Cerro Gordo County, IA | 2 | Under 10 loans | 0.0% |
| Greene County, IA | 2 | Under 10 loans | 33.3% |
| Grundy County, IA | 2 | Under 10 loans | 0.0% |
| Lee County, IA | 2 | Under 10 loans | 33.3% |
| Muscatine County, IA | 2 | Under 10 loans | 0.0% |
| Pocahontas County, IA | 2 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 2 | Under 10 loans | 33.3% |
| Webster County, IA | 2 | Under 10 loans | 0.0% |
| Wright County, IA | 2 | Under 10 loans | 0.0% |
| Adams County, IA | 1 | Under 10 loans | 0.0% |
| Allamakee County, IA | 1 | Under 10 loans | 0.0% |
| Benton County, IA | 1 | Under 10 loans | 0.0% |
| Buchanan County, IA | 1 | Under 10 loans | 0.0% |
| Butler County, IA | 1 | Under 10 loans | 0.0% |
| Cedar County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Fayette County, IA | 1 | Under 10 loans | 0.0% |
| Henry County, IA | 1 | Under 10 loans | 0.0% |
| Jefferson County, IA | 1 | Under 10 loans | 0.0% |
| Mills County, IA | 1 | Under 10 loans | 0.0% |
| Monroe County, IA | 1 | Under 10 loans | 50.0% |
| Montgomery County, IA | 1 | Under 10 loans | 66.7% |
| Page County, IA | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 50.0% |
| Tama County, IA | 1 | Under 10 loans | 50.0% |
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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.