Zippy Loans in Iowa vs the state
32.9%Denial rate+20.03 pts vs state
62.0%Decision denial rate+46.72 pts vs state
20.1%Origination rate-48.33 pts vs state
9.95%Median rate+3.45 pts vs state
0.05Rate spread (pts)-0.15 pts vs state
$56kMedian applicant income
30Loans originated
49Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 175 | 51 | 29.7% | 10.75% | #108 |
| 2025 | 149 | 30 | 32.9% | 9.95% | #125 |
What Zippy Loans lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 20 | 5 | 8 | 40.0% |
| Dubuque County | 15 | 5 | 2 | 13.3% |
| Johnson County | 14 | 5 | 1 | 7.1% |
| Scott County | 11 | 2 | 5 | 45.5% |
| Plymouth County | 9 | 2 | 5 | 55.6% |
| Black Hawk County | 9 | 2 | 2 | 22.2% |
| Linn County | 8 | 2 | 3 | 37.5% |
| Cedar County | 5 | 2 | 2 | 40.0% |
| Muscatine County | 4 | 1 | 2 | 50.0% |
| Poweshiek County | 4 | 1 | 1 | 25.0% |
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: 149 applications in 2025, of which 30 were originated and 49 denied.
32.9% of all applications, or 62.0% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Zippy Loans originated in Iowa in 2025 was 9.95%, against a statewide median of 6.50%.
About this data. Figures are Zippy 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