United Bank of Iowa in Iowa vs the state
17.7%Denial rate+4.84 pts vs state
21.4%Decision denial rate+6.05 pts vs state
64.8%Origination rate-3.68 pts vs state
6.75%Median rate+0.25 pts vs state
0.28Rate spread (pts)+0.09 pts vs state
$73kMedian applicant income
344Loans originated
94Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 550 | 326 | 19.1% | 7.00% | #35 |
| 2024 | 486 | 300 | 17.7% | 7.13% | #42 |
| 2025 | 531 | 344 | 17.7% | 6.75% | #41 |
What United Bank of Iowa lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most United Bank of Iowa applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Crawford County | 89 | 58 | 13 | 14.6% |
| Buena Vista County | 58 | 33 | 15 | 25.9% |
| Ida County | 45 | 38 | 4 | 8.9% |
| Sac County | 45 | 31 | 5 | 11.1% |
| Calhoun County | 33 | 21 | 7 | 21.2% |
| Carroll County | 31 | 24 | 2 | 6.5% |
| Pocahontas County | 31 | 21 | 6 | 19.4% |
| Woodbury County | 28 | 15 | 6 | 21.4% |
| Harrison County | 23 | 13 | 6 | 26.1% |
| Monona County | 22 | 14 | 5 | 22.7% |
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: 531 applications in 2025, of which 344 were originated and 94 denied.
17.7% of all applications, or 21.4% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans United Bank of Iowa originated in Iowa in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are United Bank of Iowa'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