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Jackson County, Iowa · 2025

Mortgage lenders in Jackson County, IA: denial rates and top lenders (2025)

83 lenders acted on 464 mortgage applications for properties in Jackson County in 2025. 17.5% were denied (Iowa: 12.9%). Median rate on closed loans 6.50%; median loan $125,000; median property value $205,000.

464Applications
17.5%Denial ratestate 12.9%
6.50%Median ratestate 6.50%
$125,000Median loan
$205,000Median property value

Largest lenders in Jackson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Dupaco Community A 6854 8.8%7.00%
2 GREENSTATE Credit Union B 5135 15.7%6.62%
3 Fidelity Bank & Trust A 3128 6.5%5.79%
4 Broker Solutions D 3123 6.5%6.63%
5 MidWestOne Bank A 229 22.7%5.99%
6 Rocket Mortgage C 2112 33.3%6.56%
7 U.S. Bank D 156 46.7%7.06%
8 Empeople Credit Union C 148 21.4%6.20%
9 Mortgage Research Center C 137 15.4%6.63%
10 Iowa Bankers Mortgage B 116 36.4%6.44%
11 Ohnward Bank & Trust A 1010 0.0%—
12 Freedom Mortgage B 102 30.0%6.00%
13 United Shore Financial Services B 97 11.1%6.63%
14 AmeriSave Mortgage D 81 75.0%7.00%
15 Figure Lending C 83 25.0%10.00%
16 Du Trac Community Credit Union A 84 12.5%6.31%
17 Veridian Credit Union B 64 16.7%6.37%
18 Coastal Community Bank C 62 0.0%13.49%
19 ASCENTRA Credit Union C 53 20.0%6.00%
20 AIM Credit Union – 55 0.0%—
21 First Central State Bank B 55 0.0%7.00%
22 Navy Federal Credit Union D 53 0.0%6.25%

Best approval odds in Jackson County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Dupaco Community619.8%

What Jackson County borrowers applied for

By loan purpose

Home purchase 195 42% · 10.3% denied
Refinance 74 16% · 21.6% denied
Cash-out refinance 81 17% · 28.4% denied
Home improvement 34 7% · 26.5% denied
Other / HELOC 80 17% · 16.3% denied

By loan type

Conventional 356 77% · 15.5% denied
FHA 57 12% · 33.3% denied
VA 45 10% · 11.1% denied
USDA / RHS 6 1% · 33.3% denied

Why applications were denied

Credit history 19 23%
Collateral 19 23%
Debt-to-income ratio 16 20%
Incomplete application 13 16%
Unverifiable information 5 6%
Other 4 5%
Employment history 3 4%
Insufficient cash 2 2%

Jackson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202337123418.1%6.99%$105,000
202435723817.4%6.82%$115,000
202546429517.5%6.50%$125,000

Frequently asked questions

17.5% of applications in Jackson County were denied in 2025, against 12.9% statewide in Iowa.

Dupaco Community, with 68 applications in 2025 and a denial rate of 8.8%.

The median mortgage application in Jackson County in 2025 was for $125,000; the median property value on originated loans was $205,000.