Kind Lending in Iowa vs the state
34.3%Denial rate+21.39 pts vs state
39.1%Decision denial rate+23.75 pts vs state
53.4%Origination rate-15.04 pts vs state
6.75%Median rate+0.25 pts vs state
0.57Rate spread (pts)+0.38 pts vs state
$98kMedian applicant income
39Loans originated
25Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 2 | 42.9% | 7.69% | #386 |
| 2024 | 18 | 12 | 22.2% | 6.06% | #294 |
| 2025 | 73 | 39 | 34.3% | 6.75% | #179 |
What Kind Lending lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 14 | 10 | 2 | 14.3% |
| Dallas County | 6 | 3 | 2 | 33.3% |
| Warren County | 5 | 3 | 2 | 40.0% |
| Emmet County | 4 | 2 | 2 | 50.0% |
| Marshall County | 4 | 3 | 1 | 25.0% |
| Franklin County | 4 | 0 | 3 | 75.0% |
| Cerro Gordo County | 4 | 1 | 1 | 25.0% |
| Madison County | 3 | 1 | 1 | 33.3% |
| Scott County | 3 | 1 | 2 | 66.7% |
| Palo Alto County | 2 | 2 | 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: 73 applications in 2025, of which 39 were originated and 25 denied.
34.3% of all applications, or 39.1% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Kind Lending originated in Iowa in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Kind Lending'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