Veridian Credit Union in Iowa vs the state
8.9%Denial rate-3.98 pts vs state
10.8%Decision denial rate-4.47 pts vs state
71.6%Origination rate+3.14 pts vs state
6.49%Median rate-0.01 pts vs state
-0.14Rate spread (pts)-0.33 pts vs state
$95kMedian applicant income
6,247Loans originated
775Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,899 | 4,868 | 9.7% | 7.00% | #2 |
| 2024 | 8,531 | 5,931 | 11.4% | 6.99% | #2 |
| 2025 | 8,725 | 6,247 | 8.9% | 6.49% | #2 |
What Veridian Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Veridian Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 2,469 | 1,683 | 237 | 9.6% |
| Black Hawk County | 1,918 | 1,472 | 112 | 5.8% |
| Linn County | 694 | 503 | 59 | 8.5% |
| Dallas County | 573 | 421 | 50 | 8.7% |
| Bremer County | 369 | 303 | 15 | 4.1% |
| Buchanan County | 239 | 167 | 21 | 8.8% |
| Pottawattamie County | 231 | 151 | 31 | 13.4% |
| Fayette County | 222 | 149 | 32 | 14.4% |
| Warren County | 194 | 147 | 21 | 10.8% |
| Johnson County | 186 | 134 | 21 | 11.3% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| 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% |
| United Shore Financial Services | B | 1,950 | 11.5% | 6.13% |
Frequently asked questions
Iowa: 8,725 applications in 2025, of which 6,247 were originated and 775 denied.
8.9% of all applications, or 10.8% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Veridian Credit Union originated in Iowa in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Veridian Credit Union'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