Central State Bank in Iowa vs the state
14.5%Denial rate+1.66 pts vs state
14.5%Decision denial rate-0.79 pts vs state
75.8%Origination rate+7.35 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
47Loans originated
9Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 65 | 4.0% | — | #170 |
| 2024 | 73 | 61 | 11.0% | — | #177 |
| 2025 | 62 | 47 | 14.5% | — | #199 |
What Central State Bank lends in Iowa
By loan purpose
By loan type
Where in Iowa
Counties with the most Central State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Story County | 26 | 14 | 8 | 30.8% |
| Marshall County | 12 | 10 | 1 | 8.3% |
| Polk County | 11 | 11 | 0 | 0.0% |
| Dallas County | 2 | 2 | 0 | 0.0% |
| Hardin County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Black Hawk County | 2 | 2 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Cerro Gordo County | 1 | 1 | 0 | 0.0% |
| Bremer County | 1 | 1 | 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: 62 applications in 2025, of which 47 were originated and 9 denied.
14.5% of all applications, or 14.5% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Central State Bank'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