City State Bank in Iowa vs the state
9.2%Denial rate-3.69 pts vs state
9.5%Decision denial rate-5.83 pts vs state
80.8%Origination rate+12.37 pts vs state
—Median rate
—Rate spread (pts)
$149kMedian applicant income
97Loans originated
11Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 66 | 5.4% | — | #150 |
| 2024 | 92 | 71 | 10.9% | — | #153 |
| 2025 | 120 | 97 | 9.2% | — | #138 |
What City State Bank lends in Iowa
By loan purpose
By loan type
Where in Iowa
Counties with the most City State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 36 | 29 | 2 | 5.6% |
| Warren County | 30 | 22 | 4 | 13.3% |
| Ringgold County | 12 | 12 | 0 | 0.0% |
| Boone County | 10 | 9 | 0 | 0.0% |
| Dallas County | 9 | 7 | 1 | 11.1% |
| Madison County | 5 | 4 | 0 | 0.0% |
| Story County | 5 | 4 | 1 | 20.0% |
| Union County | 3 | 2 | 1 | 33.3% |
| Guthrie County | 3 | 2 | 1 | 33.3% |
| Dickinson 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: 120 applications in 2025, of which 97 were originated and 11 denied.
9.2% of all applications, or 9.5% 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 City 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