American Pacific Mortgage in Iowa vs the state
12.9%Denial rate-0.01 pts vs state
14.8%Decision denial rate-0.53 pts vs state
74.1%Origination rate+5.61 pts vs state
6.75%Median rate+0.25 pts vs state
0.58Rate spread (pts)+0.39 pts vs state
$77kMedian applicant income
317Loans originated
55Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 607 | 457 | 9.1% | 6.75% | #29 |
| 2024 | 538 | 428 | 6.7% | 6.75% | #38 |
| 2025 | 428 | 317 | 12.9% | 6.75% | #55 |
What American Pacific Mortgage lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 151 | 97 | 30 | 19.9% |
| Story County | 60 | 57 | 0 | 0.0% |
| Marshall County | 55 | 45 | 7 | 12.7% |
| Dallas County | 29 | 18 | 7 | 24.1% |
| Clarke County | 16 | 14 | 0 | 0.0% |
| Black Hawk County | 14 | 13 | 1 | 7.1% |
| Boone County | 13 | 8 | 2 | 15.4% |
| Henry County | 12 | 10 | 1 | 8.3% |
| Jasper County | 9 | 5 | 2 | 22.2% |
| Warren County | 8 | 5 | 0 | 0.0% |
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: 428 applications in 2025, of which 317 were originated and 55 denied.
12.9% of all applications, or 14.8% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans American Pacific Mortgage originated in Iowa in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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