Lender in Iowa · HMDA 2025
MidWestOne Bank mortgages in Iowa
MidWestOne Bank's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
MidWestOne Bank originated 369 owner-occupied single-family loans in Iowa from 414 completed applications.
Its median conventional purchase loan costs were $2,610 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.375% (Iowa: 6.375%).
Loans in IA
369
of 414 applications
Denial rate
7.2%
Purchase · IA 6.3%
Rate spread
−0.11 pts
Conv. · IA −0.05 pts
Loan amount
$215,000
Purchase · IA $215,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 335 | 308 | 7.2% | 6.375% | −0.11 pts | $2,610 | $215,000 |
| Refinance | 39 | 31 | 17.9% | 6.000% | −0.18 pts | $2,350 | $205,000 |
| Cash-out refinance | 40 | 30 | 25.0% | — | +0.21 pts | $2,330 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where MidWestOne Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dubuque County | 3 | 161 | 12.5% |
| Butler County | 4 | 8 | 4.3% |
| Muscatine County | 5 | 23 | 5.5% |
| Mahaska County | 5 | 19 | 7.0% |
| Jefferson County | 5 | 9 | 5.3% |
| Keokuk County | 5 | 8 | 7.9% |
| Van Buren County | 6 | 2 | 6.9% |
| Johnson County | 7 | 34 | 1.5% |
| Lee County | 7 | 6 | 3.0% |
| Delaware County | 8 | 9 | 3.8% |
| Grundy County | 8 | 7 | 3.5% |
| Iowa County | 10 | 6 | 2.5% |
| Jackson County | 13 | 4 | 2.3% |
| Marshall County | 15 | 9 | 2.3% |
| Des Moines County | 17 | 4 | 1.2% |
| Buchanan County | 18 | 3 | 1.1% |
| Cedar County | 18 | 3 | 1.0% |
| Washington County | 20 | 2 | 0.6% |
| Poweshiek County | 23 | 2 | 0.8% |
| Henry County | 24 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology