Ruhl Mortgage in Iowa vs the state
0.6%Denial rate-12.24 pts vs state
0.7%Decision denial rate-14.57 pts vs state
82.7%Origination rate+14.26 pts vs state
6.25%Median rate-0.25 pts vs state
-0.10Rate spread (pts)-0.29 pts vs state
$93kMedian applicant income
402Loans originated
3Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 391 | 322 | 1.0% | 6.25% | #46 |
| 2024 | 454 | 388 | 0.4% | 6.50% | #47 |
| 2025 | 486 | 402 | 0.6% | 6.25% | #47 |
What Ruhl Mortgage lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Ruhl Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 325 | 271 | 1 | 0.3% |
| Muscatine County | 60 | 50 | 0 | 0.0% |
| Clinton County | 25 | 22 | 1 | 4.0% |
| Des Moines County | 16 | 12 | 0 | 0.0% |
| Linn County | 9 | 7 | 0 | 0.0% |
| Dubuque County | 9 | 7 | 0 | 0.0% |
| Johnson County | 8 | 6 | 0 | 0.0% |
| Polk County | 7 | 5 | 1 | 14.3% |
| Lee County | 6 | 5 | 0 | 0.0% |
| Louisa County | 4 | 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: 486 applications in 2025, of which 402 were originated and 3 denied.
0.6% of all applications, or 0.7% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Ruhl Mortgage originated in Iowa in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Ruhl 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