United Bank of Iowa: 2025 mortgage rates, costs & approvals
How United Bank of Iowa priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: United Bank of Iowa · LEI 2549002OCMCJIOOONI88
In 2025, United Bank of Iowa originated 234 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1131st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $2,850, 49% lower than the national median ($5,570).
It denied 22.3% of completed home-purchase applications (all lenders: 8.5%).
How United Bank of Iowa priced home-purchase loans
| Purchase loans, 2025 | United Bank of Iowa | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.14 pts | +0.13 pts |
| Total loan costs · conventional | $2,850 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,420 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 9.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why United Bank of Iowa denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where United Bank of Iowa lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Iowa | 230 | 310 | 22.4% | 6.875% | $2,880 |
| Nebraska | 3 | 3 | — | — | — |
| South Dakota | 1 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open United Bank of Iowa's page for that state.
Counties where United Bank of Iowa is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ida County, IA | 1 | 29 | 36.3% |
| Crawford County, IA | 1 | 46 | 31.9% |
| Sac County, IA | 1 | 21 | 22.6% |
| Pocahontas County, IA | 1 | 15 | 19.7% |
| Calhoun County, IA | 1 | 14 | 16.3% |
| Buena Vista County, IA | 2 | 21 | 11.2% |
| Monona County, IA | 2 | 10 | 9.3% |
| Humboldt County, IA | 5 | 7 | 5.9% |
| Cherokee County, IA | 4 | 6 | 5.3% |
| Carroll County, IA | 5 | 9 | 5.0% |
| Harrison County, IA | 6 | 9 | 3.8% |
| Plymouth County, IA | 7 | 10 | 3.7% |
| Greene County, IA | 7 | 3 | 2.9% |
| Shelby County, IA | 7 | 4 | 2.6% |
| Wayne County, NE | 9 | 1 | 1.9% |
Check United Bank of Iowa yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549002OCMCJIOOONI88.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Bank of Iowa with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology