The Central Trust Bank in Iowa vs the state
3.4%Denial rate-9.47 pts vs state
4.2%Decision denial rate-11.14 pts vs state
78.0%Origination rate+9.51 pts vs state
6.50%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.11 pts vs state
$105kMedian applicant income
46Loans originated
2Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 307 | 237 | 5.2% | 6.50% | #61 |
| 2024 | 158 | 113 | 4.4% | 6.75% | #114 |
| 2025 | 59 | 46 | 3.4% | 6.50% | #205 |
What The Central Trust Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 17 | 11 | 1 | 5.9% |
| Scott County | 15 | 14 | 0 | 0.0% |
| Dallas County | 10 | 9 | 0 | 0.0% |
| Warren County | 4 | 3 | 0 | 0.0% |
| Dickinson County | 2 | 0 | 0 | 0.0% |
| Appanoose County | 2 | 1 | 1 | 50.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Lucas County | 1 | 0 | 0 | 0.0% |
| Mahaska County | 1 | 1 | 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: 59 applications in 2025, of which 46 were originated and 2 denied.
3.4% of all applications, or 4.2% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans The Central Trust Bank originated in Iowa in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are The Central Trust Bank'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