# Empeople Credit Union

> **Canonical URL:** https://saferate.com/lenders/empeople-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Empeople Credit Union is a credit union, headquartered in Moline, IL, serving borrowers nationwide, with 804 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900378RFGMBEKAF12
- **Headquarters:** Moline, IL
- **Geographic Reach:** National
- **States Served:** 40
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, PA, SC, SD, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.191%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $806
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 804
- **Dollar Volume:** $236 million
- **Applications Received:** 1,427
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $293,321
- **Average Borrower Income:** $158,257
- **Average Property Value:** $410,647

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 793 | -0.188% | $828 | Strong 😀 |
| Jumbo | 41/100 | 11 | -0.395% | $-898 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 593 loans, Score: 72/100 (Strong)
- Refinance: 200 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 602 | $186M | -0.196% | Strong 😀 |
| Refinance | 74/100 | 202 | $50M | -0.175% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 273 | 0.77% | 75/100 |
| IL | 130 | 0.10% | 66/100 |
| ME | 38 | 0.25% | 57/100 |
| NC | 37 | 0.03% | 49/100 |
| KS | 31 | 0.10% | 54/100 |
| WI | 30 | 0.05% | 50/100 |
| TX | 27 | 0.01% | 43/100 |
| MO | 23 | 0.03% | 46/100 |
| GA | 19 | 0.01% | 43/100 |
| ND | 19 | 0.26% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 192 | 86/100 |
| Non |  | 183 | 62/100 |
| Des Moines | IA | 77 | 67/100 |
| Waterloo | IA | 34 | 58/100 |
| Portland | ME | 24 | 54/100 |
| Dubuque, IA | IA | 17 | 49/100 |
| Kansas City, MO | MO-KS | 17 | 46/100 |
| Fargo, ND | ND-MN | 14 | 47/100 |
| Raleigh | NC | 11 | 41/100 |

## Where This Lender Ranks

Empeople Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Davenport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Waterloo Credit Unions
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Waterloo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Dubuque, IA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Davenport Credit Unions
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in North Dakota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Des Moines Credit Unions
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Fargo, ND for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Davenport for Conventional Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Des Moines for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Waterloo
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders)
- 🏆 **#8** in Davenport
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders)
- 🏆 **#10** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🏆 **#11** in Dubuque, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Waterloo for Conventional Loans
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Empeople Credit Union offer?

Empeople Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Empeople Credit Union offer mortgages?

Empeople Credit Union is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Empeople Credit Union's mortgage rates?

Empeople Credit Union has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.191% below market average.

### What type of lender is Empeople Credit Union?

Empeople Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Moline, IL.

### What is Empeople Credit Union's loan approval success rate?

Empeople Credit Union has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/empeople-credit-union

### How to Cite

> "Empeople Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/empeople-credit-union

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