Consumer Real Estate Finance in Iowa vs the state
34.6%Denial rate+21.69 pts vs state
38.0%Decision denial rate+22.69 pts vs state
56.4%Origination rate-12.10 pts vs state
6.99%Median rate+0.49 pts vs state
1.06Rate spread (pts)+0.87 pts vs state
$52kMedian applicant income
31Loans originated
19Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 16 | 9 | 31.3% | 6.99% | #299 |
| 2025 | 55 | 31 | 34.6% | 6.99% | #211 |
What Consumer Real Estate Finance lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cerro Gordo County | 4 | 3 | 1 | 25.0% |
| Hardin County | 4 | 2 | 2 | 50.0% |
| Keokuk County | 2 | 1 | 1 | 50.0% |
| Clay County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Sac County | 2 | 0 | 1 | 50.0% |
| Floyd County | 2 | 2 | 0 | 0.0% |
| Buena Vista County | 2 | 1 | 1 | 50.0% |
| Clinton County | 2 | 2 | 0 | 0.0% |
| Black Hawk County | 2 | 1 | 1 | 50.0% |
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: 55 applications in 2025, of which 31 were originated and 19 denied.
34.6% of all applications, or 38.0% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Consumer Real Estate Finance originated in Iowa in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Consumer Real Estate Finance'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