United Bank of Iowa
United Bank of Iowa received 540 applications in 2025 and made 351 mortgages, in 42 counties across 5 states. The median rate its borrowers got was 6.750% on a median loan of $125,000. Of 449 decisions, 96 were denials — 21.4%, most often for credit history.
| Legal Entity Identifier | 2549002OCMCJIOOONI88 |
|---|---|
| Applications received | 540 |
| Mortgages made | 351 |
| Denied | 96 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 91 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.279 points |
| FDIC-insured bank | Yes: United Bank of Iowa, 38 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 236 | 6.750% | $135,000 | 19.1% |
| Refinancing | 57 | 6.875% | $115,000 | 25.0% |
| Cash-out refinancing | 24 | 6.250% | $170,000 | 31.4% |
| Other purposes | 34 | 7.000% | $45,000 | 22.7% |
Where United Bank of Iowa lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Crawford County, IA | 58 | 6.750% | 18.3% |
| Ida County, IA | 38 | 6.875% | 9.5% |
| Buena Vista County, IA | 33 | 6.875% | 31.3% |
| Sac County, IA | 31 | 6.875% | 13.9% |
| Carroll County, IA | 24 | 6.750% | 7.7% |
| Calhoun County, IA | 21 | 6.875% | 23.3% |
| Pocahontas County, IA | 21 | 6.875% | 22.2% |
| Woodbury County, IA | 15 | 6.500% | 28.6% |
| Monona County, IA | 14 | 6.625% | 26.3% |
| Cherokee County, IA | 13 | 6.875% | 23.5% |
| Harrison County, IA | 13 | 6.875% | 31.6% |
| Plymouth County, IA | 13 | 6.625% | 18.8% |
| Webster County, IA | 10 | 7.313% | 41.2% |
| Boone County, IA | 7 | Under 10 loans | 12.5% |
| Humboldt County, IA | 7 | Under 10 loans | 0.0% |
| Shelby County, IA | 7 | Under 10 loans | 22.2% |
| Greene County, IA | 5 | Under 10 loans | 0.0% |
| Polk County, IA | 3 | Under 10 loans | 40.0% |
| Story County, IA | 3 | Under 10 loans | 25.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Audubon County, IA | 1 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Fremont County, IA | 1 | Under 10 loans | 0.0% |
| Jefferson County, IA | 1 | Under 10 loans | 0.0% |
| O'Brien County, IA | 1 | Under 10 loans | 50.0% |
| Pottawattamie County, IA | 1 | Under 10 loans | 66.7% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Lafayette County, MO | 1 | Under 10 loans | 0.0% |
| Burt County, NE | 1 | Under 10 loans | 0.0% |
| Douglas County, NE | 1 | Under 10 loans | 0.0% |
| Wayne County, NE | 1 | Under 10 loans | 0.0% |
| Pennington County, SD | 1 | Under 10 loans | 0.0% |
| Union County, SD | 1 | Under 10 loans | 0.0% |
| Cass County, IA | 0 | Under 10 loans | Not published |
| Clay County, IA | 0 | Under 10 loans | Not published |
| Dallas County, IA | 0 | Under 10 loans | 100.0% |
| Lee County, IA | 0 | Under 10 loans | 100.0% |
| Palo Alto County, IA | 0 | Under 10 loans | Not published |
| Sioux County, IA | 0 | Under 10 loans | Not published |
| Taney County, MO | 0 | Under 10 loans | 100.0% |
| Clay County, SD | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.