Lender in Iowa · HMDA 2025
Veridian Credit Union mortgages in Iowa
Veridian Credit Union's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
Veridian Credit Union originated 2,338 owner-occupied single-family loans in Iowa from 2,526 completed applications, making it the state's #2 lender by volume.
Its median conventional purchase loan costs were $1,940 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.375% (Iowa: 6.375%).
Loans in IA
2,338
of 2,526 applications
Denial rate
1.7%
Purchase · IA 6.3%
Rate spread
−0.20 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 | 1,886 | 1,796 | 1.7% | 6.375% | −0.20 pts | $1,940 | $205,000 |
| Refinance | 307 | 255 | 15.3% | 5.875% | −0.31 pts | $1,680 | $185,000 |
| Cash-out refinance | 333 | 287 | 9.3% | 6.490% | −0.06 pts | $2,040 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where Veridian Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 63.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Black Hawk County | 1 | 621 | 35.9% |
| Bremer County | 1 | 124 | 31.4% |
| Buchanan County | 1 | 61 | 23.2% |
| Butler County | 1 | 57 | 31.0% |
| Fayette County | 1 | 53 | 25.7% |
| Floyd County | 1 | 10 | 13.0% |
| Polk County | 2 | 551 | 6.9% |
| Grundy County | 2 | 30 | 15.2% |
| Tama County | 2 | 22 | 11.7% |
| Chickasaw County | 2 | 21 | 13.8% |
| Clarke County | 2 | 8 | 6.0% |
| Dallas County | 3 | 187 | 7.4% |
| Howard County | 3 | 4 | 5.4% |
| Benton County | 4 | 25 | 5.7% |
| Hardin County | 4 | 12 | 6.3% |
| Hamilton County | 4 | 9 | 6.3% |
| Linn County | 5 | 173 | 4.6% |
| Johnson County | 5 | 55 | 2.5% |
| Delaware County | 5 | 13 | 5.5% |
| Mitchell County | 5 | 3 | 4.5% |
| Warren County | 6 | 53 | 4.3% |
| Iowa County | 6 | 7 | 2.9% |
| Montgomery County | 6 | 4 | 3.7% |
| Franklin County | 6 | 3 | 6.5% |
| Adams County | 6 | 2 | 5.4% |
| Monroe County | 7 | 2 | 2.6% |
| Cedar County | 8 | 7 | 2.4% |
| Poweshiek County | 8 | 6 | 2.5% |
| Union County | 8 | 4 | 3.0% |
| Winneshiek County | 8 | 4 | 3.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology