Lender in Iowa · HMDA 2025
Central Bank mortgages in Iowa
Central Bank's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
Central Bank originated 573 owner-occupied single-family loans in Iowa from 589 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $3,920 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.375% (Iowa: 6.375%).
Loans in IA
573
of 589 applications
Denial rate
1.3%
Purchase · IA 6.3%
Rate spread
+0.00 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 | 533 | 526 | 1.3% | 6.375% | +0.00 pts | $3,920 | $215,000 |
| Refinance | 35 | 30 | 14.3% | 6.375% | −0.05 pts | $2,660 | $335,000 |
| Cash-out refinance | 21 | 17 | 19.1% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where Central Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Woodbury County | 1 | 149 | 12.0% |
| Buena Vista County | 1 | 60 | 32.1% |
| Cherokee County | 1 | 37 | 32.7% |
| Dickinson County | 2 | 36 | 18.3% |
| Ida County | 3 | 5 | 6.3% |
| Plymouth County | 4 | 15 | 5.6% |
| Clay County | 4 | 8 | 5.1% |
| Sac County | 4 | 7 | 7.5% |
| Emmet County | 4 | 6 | 7.0% |
| Palo Alto County | 5 | 3 | 4.3% |
| Adair County | 8 | 2 | 3.4% |
| Monona County | 9 | 4 | 3.7% |
| Pocahontas County | 12 | 2 | 2.6% |
| Dallas County | 15 | 41 | 1.6% |
| Greene County | 15 | 2 | 1.9% |
| Madison County | 16 | 6 | 2.0% |
| Lyon County | 16 | 2 | 1.3% |
| Polk County | 17 | 137 | 1.7% |
| Warren County | 17 | 21 | 1.7% |
| Sioux County | 17 | 2 | 0.5% |
| Carroll County | 18 | 2 | 1.1% |
| Adams County | 23 | 1 | 2.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology