Citizens Equity First in Iowa vs the state
6.7%Denial rate-6.19 pts vs state
8.3%Decision denial rate-6.98 pts vs state
73.3%Origination rate+4.87 pts vs state
6.75%Median rate+0.25 pts vs state
-0.07Rate spread (pts)-0.26 pts vs state
$142kMedian applicant income
11Loans originated
1Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 4 | 14.3% | 7.00% | #383 |
| 2024 | 6 | 5 | 16.7% | 6.38% | #387 |
| 2025 | 15 | 11 | 6.7% | 6.75% | #318 |
What Citizens Equity First lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muscatine County | 3 | 3 | 0 | 0.0% |
| Polk County | 3 | 2 | 0 | 0.0% |
| Scott County | 3 | 3 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Dallas County | 1 | 1 | 0 | 0.0% |
| Black Hawk County | 1 | 0 | 0 | 0.0% |
| Des Moines County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Johnson 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: 15 applications in 2025, of which 11 were originated and 1 denied.
6.7% of all applications, or 8.3% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Citizens Equity First originated in Iowa in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Citizens Equity First'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