First Central State Bank in Iowa vs the state
8.6%Denial rate-4.22 pts vs state
9.1%Decision denial rate-6.18 pts vs state
84.6%Origination rate+16.09 pts vs state
6.69%Median rate+0.19 pts vs state
0.18Rate spread (pts)-0.01 pts vs state
$100kMedian applicant income
186Loans originated
19Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 171 | 7.3% | — | #91 |
| 2024 | 185 | 160 | 8.1% | 6.00% | #101 |
| 2025 | 220 | 186 | 8.6% | 6.69% | #92 |
What First Central State Bank lends in Iowa
By loan purpose
By loan type
Where in Iowa
Counties with the most First Central State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clinton County | 123 | 109 | 9 | 7.3% |
| Scott County | 87 | 69 | 9 | 10.3% |
| Jackson County | 5 | 5 | 0 | 0.0% |
| Appanoose County | 1 | 0 | 0 | 0.0% |
| Cedar County | 1 | 1 | 0 | 0.0% |
| Jones County | 1 | 0 | 1 | 100.0% |
| Linn County | 1 | 1 | 0 | 0.0% |
| Dubuque 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: 220 applications in 2025, of which 186 were originated and 19 denied.
8.6% of all applications, or 9.1% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans First Central State Bank originated in Iowa in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are First 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