United Trust Bank in Iowa vs the state
23.5%Denial rate+10.67 pts vs state
23.5%Decision denial rate+8.22 pts vs state
58.8%Origination rate-9.64 pts vs state
6.50%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.30 pts vs state
$59kMedian applicant income
10Loans originated
4Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 3 | 40.0% | 6.63% | #411 |
| 2025 | 17 | 10 | 23.5% | 6.50% | #311 |
What United Trust Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 3 | 2 | 1 | 33.3% |
| Linn County | 3 | 2 | 0 | 0.0% |
| Scott County | 2 | 0 | 1 | 50.0% |
| Pottawattamie County | 2 | 0 | 2 | 100.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Buchanan County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Jasper County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Dickinson 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: 17 applications in 2025, of which 10 were originated and 4 denied.
23.5% of all applications, or 23.5% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans United Trust Bank originated in Iowa in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United 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