Flat Branch Mortgage in Iowa vs the state
0.3%Denial rate-12.58 pts vs state
0.3%Decision denial rate-14.98 pts vs state
83.2%Origination rate+14.78 pts vs state
6.56%Median rate+0.06 pts vs state
0.35Rate spread (pts)+0.16 pts vs state
$76kMedian applicant income
298Loans originated
1Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 214 | 171 | 2.8% | 6.75% | #90 |
| 2024 | 276 | 243 | 0.4% | 6.63% | #75 |
| 2025 | 358 | 298 | 0.3% | 6.56% | #61 |
What Flat Branch Mortgage lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Linn County | 140 | 119 | 1 | 0.7% |
| Pottawattamie County | 98 | 84 | 0 | 0.0% |
| Johnson County | 26 | 21 | 0 | 0.0% |
| Muscatine County | 16 | 13 | 0 | 0.0% |
| Benton County | 7 | 6 | 0 | 0.0% |
| Jones County | 6 | 6 | 0 | 0.0% |
| Mills County | 6 | 4 | 0 | 0.0% |
| Dallas County | 5 | 4 | 0 | 0.0% |
| Scott County | 4 | 2 | 0 | 0.0% |
| Polk County | 4 | 4 | 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: 358 applications in 2025, of which 298 were originated and 1 denied.
0.3% of all applications, or 0.3% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Flat Branch Mortgage originated in Iowa in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are Flat Branch Mortgage'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