United Shore Financial Services in Iowa vs the state
11.5%Denial rate-1.37 pts vs state
13.4%Decision denial rate-1.91 pts vs state
71.3%Origination rate+2.87 pts vs state
6.13%Median rate-0.38 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$79kMedian applicant income
1,391Loans originated
224Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 815 | 658 | 7.4% | 6.75% | #24 |
| 2024 | 1,177 | 906 | 9.2% | 6.50% | #15 |
| 2025 | 1,950 | 1,391 | 11.5% | 6.13% | #11 |
What United Shore Financial Services lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 422 | 307 | 43 | 10.2% |
| Linn County | 276 | 218 | 12 | 4.3% |
| Scott County | 180 | 137 | 15 | 8.3% |
| Dallas County | 112 | 87 | 15 | 13.4% |
| Pottawattamie County | 67 | 47 | 8 | 11.9% |
| Woodbury County | 63 | 39 | 11 | 17.5% |
| Warren County | 56 | 41 | 8 | 14.3% |
| Black Hawk County | 46 | 35 | 6 | 13.0% |
| Benton County | 34 | 26 | 3 | 8.8% |
| Clinton County | 34 | 26 | 2 | 5.9% |
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: 1,950 applications in 2025, of which 1,391 were originated and 224 denied.
11.5% of all applications, or 13.4% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans United Shore Financial Services originated in Iowa in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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