Metro CU in Iowa vs the state
23.5%Denial rate+10.60 pts vs state
29.2%Decision denial rate+13.92 pts vs state
51.9%Origination rate-16.61 pts vs state
6.00%Median rate-0.50 pts vs state
-0.48Rate spread (pts)-0.67 pts vs state
$109kMedian applicant income
42Loans originated
19Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 38 | 13.8% | 5.56% | #196 |
| 2024 | 60 | 28 | 35.0% | 6.25% | #195 |
| 2025 | 81 | 42 | 23.5% | 6.00% | #167 |
What Metro CU lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Metro CU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pottawattamie County | 56 | 31 | 10 | 17.9% |
| Mills County | 8 | 4 | 1 | 12.5% |
| Harrison County | 7 | 2 | 4 | 57.1% |
| Montgomery County | 4 | 2 | 1 | 25.0% |
| Fremont County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Monona County | 1 | 0 | 1 | 100.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Jones County | 1 | 0 | 1 | 100.0% |
| Adair 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: 81 applications in 2025, of which 42 were originated and 19 denied.
23.5% of all applications, or 29.2% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Metro CU originated in Iowa in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Metro CU'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