21st Mortgage in Iowa vs the state
57.1%Denial rate+44.26 pts vs state
72.4%Decision denial rate+57.04 pts vs state
20.7%Origination rate-47.72 pts vs state
11.07%Median rate+4.57 pts vs state
5.53Rate spread (pts)+5.34 pts vs state
$55kMedian applicant income
268Loans originated
738Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,282 | 289 | 51.0% | 10.39% | #12 |
| 2024 | 1,350 | 304 | 51.1% | 11.98% | #13 |
| 2025 | 1,292 | 268 | 57.1% | 11.07% | #15 |
What 21st Mortgage lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 205 | 31 | 118 | 57.6% |
| Linn County | 162 | 34 | 99 | 61.1% |
| Woodbury County | 133 | 40 | 63 | 47.4% |
| Johnson County | 107 | 22 | 56 | 52.3% |
| Dubuque County | 91 | 13 | 62 | 68.1% |
| Black Hawk County | 87 | 13 | 55 | 63.2% |
| Pottawattamie County | 78 | 23 | 34 | 43.6% |
| Scott County | 73 | 20 | 41 | 56.2% |
| Dallas County | 38 | 9 | 22 | 57.9% |
| Poweshiek County | 27 | 3 | 15 | 55.6% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 1,292 applications in 2025, of which 268 were originated and 738 denied.
57.1% of all applications, or 72.4% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans 21st Mortgage originated in Iowa in 2025 was 11.07%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology