Zillow Home Loans in Iowa vs the state
7.5%Denial rate-5.38 pts vs state
9.3%Decision denial rate-6.01 pts vs state
72.9%Origination rate+4.44 pts vs state
6.63%Median rate+0.13 pts vs state
0.82Rate spread (pts)+0.63 pts vs state
$70kMedian applicant income
78Loans originated
8Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 34 | 0.0% | 6.88% | #223 |
| 2024 | 53 | 32 | 15.1% | 7.00% | #207 |
| 2025 | 107 | 78 | 7.5% | 6.63% | #144 |
What Zillow Home Loans lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 30 | 21 | 3 | 10.0% |
| Scott County | 11 | 9 | 0 | 0.0% |
| Pottawattamie County | 9 | 7 | 0 | 0.0% |
| Des Moines County | 4 | 3 | 0 | 0.0% |
| Linn County | 4 | 4 | 0 | 0.0% |
| Dallas County | 4 | 4 | 0 | 0.0% |
| Wapello County | 3 | 2 | 0 | 0.0% |
| Lee County | 3 | 0 | 0 | 0.0% |
| Cass County | 3 | 1 | 1 | 33.3% |
| Wright County | 3 | 3 | 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: 107 applications in 2025, of which 78 were originated and 8 denied.
7.5% of all applications, or 9.3% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Zillow Home Loans originated in Iowa in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Zillow Home Loans'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