Lender in Iowa · HMDA 2025
United Bank of Iowa mortgages in Iowa
United Bank of Iowa's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
United Bank of Iowa originated 230 owner-occupied single-family loans in Iowa from 310 completed applications.
Its median conventional purchase loan costs were $2,880 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.875% (Iowa: 6.375%).
Loans in IA
230
of 310 applications
Denial rate
22.4%
Purchase · IA 6.3%
Rate spread
+0.17 pts
Conv. · IA −0.05 pts
Loan amount
$135,000
Purchase · IA $215,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 228 | 175 | 22.4% | 6.875% | +0.17 pts | $2,880 | $135,000 |
| Refinance | 47 | 31 | 34.0% | — | +0.04 pts | $2,580 | $115,000 |
| Cash-out refinance | 35 | 24 | 31.4% | — | −0.15 pts | $3,630 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where United Bank of Iowa ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Crawford County | 1 | 46 | 31.9% |
| Ida County | 1 | 29 | 36.3% |
| Sac County | 1 | 21 | 22.6% |
| Pocahontas County | 1 | 15 | 19.7% |
| Calhoun County | 1 | 14 | 16.3% |
| Buena Vista County | 2 | 21 | 11.2% |
| Monona County | 2 | 10 | 9.3% |
| Cherokee County | 4 | 6 | 5.3% |
| Carroll County | 5 | 9 | 5.0% |
| Humboldt County | 5 | 7 | 5.9% |
| Harrison County | 6 | 9 | 3.8% |
| Plymouth County | 7 | 10 | 3.7% |
| Shelby County | 7 | 4 | 2.6% |
| Greene County | 7 | 3 | 2.9% |
| Audubon County | 14 | 1 | 1.3% |
| Webster County | 18 | 3 | 0.8% |
| Fremont County | 19 | 1 | 1.1% |
| O'Brien County | 21 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology