Lender in Iowa · HMDA 2025
U.S. Bank, N.A. mortgages in Iowa
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
U.S. Bank, N.A. originated 864 owner-occupied single-family loans in Iowa from 976 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $3,070 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.625% (Iowa: 6.375%).
Loans in IA
864
of 976 applications
Denial rate
8.6%
Purchase · IA 6.3%
Rate spread
+0.17 pts
Conv. · IA −0.05 pts
Loan amount
$195,000
Purchase · IA $215,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 756 | 681 | 8.6% | 6.625% | +0.17 pts | $3,070 | $195,000 |
| Refinance | 98 | 84 | 11.2% | 6.375% | +0.01 pts | $2,910 | $205,000 |
| Cash-out refinance | 122 | 99 | 17.2% | 7.125% | +0.58 pts | $2,870 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where U.S. Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 53.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Woodbury County | 2 | 88 | 7.1% |
| Clinton County | 2 | 52 | 9.6% |
| Wapello County | 2 | 38 | 9.8% |
| Decatur County | 2 | 8 | 10.0% |
| Cerro Gordo County | 4 | 28 | 8.3% |
| Worth County | 4 | 6 | 8.5% |
| Osceola County | 4 | 3 | 7.1% |
| Lyon County | 5 | 13 | 8.3% |
| Page County | 5 | 8 | 4.3% |
| Des Moines County | 6 | 13 | 3.8% |
| Mitchell County | 6 | 3 | 4.5% |
| Dubuque County | 7 | 25 | 1.9% |
| Marshall County | 8 | 14 | 3.5% |
| Plymouth County | 8 | 9 | 3.3% |
| Fremont County | 8 | 4 | 4.6% |
| Kossuth County | 8 | 4 | 3.0% |
| Palo Alto County | 8 | 2 | 2.9% |
| Boone County | 9 | 13 | 3.2% |
| Pottawattamie County | 10 | 45 | 3.3% |
| Story County | 10 | 33 | 3.3% |
| Johnson County | 10 | 20 | 0.9% |
| Humboldt County | 10 | 4 | 3.4% |
| Lee County | 10 | 4 | 2.0% |
| Monona County | 10 | 4 | 3.7% |
| Davis County | 10 | 2 | 2.8% |
| Clay County | 11 | 3 | 1.9% |
| Floyd County | 11 | 3 | 3.9% |
| Dickinson County | 12 | 4 | 2.0% |
| Jefferson County | 12 | 3 | 1.8% |
| Winnebago County | 12 | 3 | 2.9% |
- U.S. Bank, N.A. nationwide
- Iowa mortgage market
- U.S. Bank, N.A. in California
- U.S. Bank, N.A. in Illinois
- U.S. Bank, N.A. in Washington
- U.S. Bank, N.A. in Minnesota
- U.S. Bank, N.A. in Ohio
- U.S. Bank, N.A. in Missouri
- U.S. Bank, N.A. in Texas
- U.S. Bank, N.A. in Wisconsin
- U.S. Bank, N.A. in Kentucky
- U.S. Bank, N.A. in Florida
- U.S. Bank, N.A. in New York
- U.S. Bank, N.A. in Connecticut
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology