Village Capital & Investment in Iowa vs the state
19.6%Denial rate+6.72 pts vs state
25.5%Decision denial rate+10.21 pts vs state
30.7%Origination rate-37.77 pts vs state
5.75%Median rate-0.75 pts vs state
—Rate spread (pts)
$75kMedian applicant income
58Loans originated
37Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 23 | 13.9% | 5.75% | #119 |
| 2024 | 184 | 63 | 9.2% | 5.75% | #103 |
| 2025 | 189 | 58 | 19.6% | 5.75% | #108 |
What Village Capital & Investment lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 43 | 14 | 8 | 18.6% |
| Scott County | 16 | 3 | 6 | 37.5% |
| Linn County | 10 | 4 | 2 | 20.0% |
| Dubuque County | 9 | 1 | 1 | 11.1% |
| Muscatine County | 7 | 1 | 2 | 28.6% |
| Pottawattamie County | 7 | 3 | 0 | 0.0% |
| Jasper County | 6 | 2 | 2 | 33.3% |
| Woodbury County | 5 | 2 | 1 | 20.0% |
| Dallas County | 5 | 3 | 1 | 20.0% |
| Adair County | 5 | 0 | 1 | 20.0% |
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: 189 applications in 2025, of which 58 were originated and 37 denied.
19.6% of all applications, or 25.5% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Village Capital & Investment originated in Iowa in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Village Capital & Investment'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