Lender in Iowa · HMDA 2025
Rate mortgages in Iowa
Rate's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
Rate originated 488 owner-occupied single-family loans in Iowa from 530 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $3,330 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.525% (Iowa: 6.375%).
Loans in IA
488
of 530 applications
Denial rate
6.0%
Purchase · IA 6.3%
Rate spread
+0.31 pts
Conv. · IA −0.05 pts
Loan amount
$205,000
Purchase · IA $215,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 450 | 421 | 6.0% | 6.525% | +0.31 pts | $3,330 | $205,000 |
| Refinance | 53 | 47 | 11.3% | 6.075% | −0.04 pts | $3,050 | $265,000 |
| Cash-out refinance | 27 | 20 | 22.2% | — | — | — | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Marshall County | 3 | 25 | 6.3% |
| Fremont County | 7 | 4 | 4.6% |
| Union County | 9 | 4 | 3.0% |
| Black Hawk County | 10 | 28 | 1.6% |
| Tama County | 10 | 5 | 2.7% |
| Butler County | 11 | 4 | 2.2% |
| Polk County | 12 | 193 | 2.4% |
| Kossuth County | 12 | 3 | 2.2% |
| Scott County | 13 | 62 | 2.2% |
| Page County | 13 | 4 | 2.2% |
| Wapello County | 14 | 5 | 1.3% |
| Floyd County | 15 | 2 | 2.6% |
| Pottawattamie County | 16 | 26 | 1.9% |
| Clay County | 16 | 2 | 1.3% |
| Ida County | 16 | 1 | 1.3% |
| Lyon County | 17 | 2 | 1.3% |
| Humboldt County | 18 | 2 | 1.7% |
| Warren County | 20 | 17 | 1.4% |
| Chickasaw County | 20 | 2 | 1.3% |
| Clinton County | 21 | 5 | 0.9% |
| Grundy County | 21 | 2 | 1.0% |
| Franklin County | 22 | 1 | 2.2% |
| Osceola County | 22 | 1 | 2.4% |
| Story County | 23 | 11 | 1.1% |
| Jasper County | 23 | 8 | 1.3% |
| Clarke County | 23 | 2 | 1.5% |
| Woodbury County | 24 | 9 | 0.7% |
| Davis County | 24 | 1 | 1.4% |
| Boone County | 25 | 5 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology