Four Points in Iowa vs the state
18.8%Denial rate+5.89 pts vs state
18.8%Decision denial rate+3.44 pts vs state
81.3%Origination rate+12.79 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
13Loans originated
3Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 6 | 25.0% | 6.00% | #371 |
| 2024 | 12 | 10 | 16.7% | — | #318 |
| 2025 | 16 | 13 | 18.8% | — | #314 |
What Four Points lends in Iowa
By loan purpose
By loan type
Where in Iowa
Counties with the most Four Points applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pottawattamie County | 11 | 10 | 1 | 9.1% |
| Wright County | 3 | 2 | 1 | 33.3% |
| Dickinson County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
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: 16 applications in 2025, of which 13 were originated and 3 denied.
18.8% of all applications, or 18.8% 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 Four Points'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