LEI 254900XRTANBKSC2EB64 · DES MOINES, IA
Journey Credit Union
Origination share is high-tercile at 76.4% - more of this lender's applications funded than at most reporters with 100+ apps.
Origination-share tercile vs fleet
Journey Credit Union converts 76.4% of applications into originations, above the fleet share tercile (~75.7%). Originated-loan volume is 84.
- n/a
- Below 1,000-app share board
- 76.4%
- Origination share
- 84
- Originated
- 6.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
110reported applications
Where Journey Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
84 35th percentile higher than 35% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Journey Credit Union
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Journey Credit Union
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Journey Credit Union's 76.4% origination rate and 6.4% denial rate sit on a mid-tercile originated book (84 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Credit history, Debt-to-income ratio, Collateral. Program weight concentrates in Conventional (110 applications).
How to read Journey Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Journey Credit Union
Journey Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 110 | 84 | 7 | $72,818 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Journey Credit Union (LEI: 254900XRTANBKSC2EB64) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 43 | 32 | $48,721 |
| Refinancing | 40 | 30 | $44,750 |
| Cash-out Refinancing | 11 | 11 | $172,273 |
| Home Purchase | 9 | 9 | $181,667 |
| Other | 7 | 2 | $85,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 76 | 92.1% | 2.6% |
| Black or African American * | 5 | 60.0% | 0.0% |
| Asian * | 1 | 100.0% | 0.0% |
| Joint * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 77 | 92.2% | 1.3% |
| Hispanic or Latino * | 6 | 66.7% | 16.7% |
| Joint * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in IA
Other HMDA-reporting lenders in IA with similar activity. Compare any two side-by-side.
One of 131 other HMDA-reporting lenders in IA, 5 are shown here.
Greenstate Credit Union
NORTH LIBERTY, IA
Veridian Credit Union
WATERLOO, IA
Iowa Bankers Mortgage Corporation
JOHNSTON, IA
Dupaco Community Credit Union
DUBUQUE, IA
Hills Bank and Trust Company
HILLS, IA
Read with Journey Credit Union
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Journey Credit Union (LEI 254900XRTANBKSC2EB64).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Journey Credit Union.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Journey Credit Union page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.