Raccoon Valley Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th5.5% deniedProcesswithdrawn + incomplete share, weight 15%
76th1.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 133 | 117 | 6.0% | 6.4% | — | $28M |
| 2024 | 130 | 105 | 9.2% | 9.9% | — | $31M |
| 2025 | 148 | 125 | 5.4% | 5.5% | — | $44M |
What Raccoon Valley Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 101 investment properties.
Who gets approved at Raccoon Valley Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 21 | 12 | 15.0% |
Where Raccoon Valley Bank lends
4 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Iowa | 145 | 122 | 5.5% | — | #128 |
Frequently asked questions
Raccoon Valley Bank denied 5.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of investment-property lenders.
In 2025, 64% of its applications were for home purchases, 36% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.