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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Iowa

Fat Boy Data analyzed home improvement loan activity in Iowa to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 12,590 applications were decided by 190 lenders between 2023 and 2025.

Iowa at a glance

190Active lenders53 with 20+ decisions
81.4%Market approval rate10,246 of 12,590 decided
$55KTypical loanmedian lender, $10K brackets
95%Borrower take-up9,747 loans funded

How Iowa compares

Approval rate compared
Iowa81.4%All 616 counties62.7%
Typical loan compared
Iowa$55KAll 616 counties$75K

What the data shows

Veridian Credit Union made the most home improvement loans in Iowa, 2,815 of them.

That is 29% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Premier Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 248.

Lenders approved 81.4% of home improvement loan applications in Iowa, 18.7 percentage points above the the United States rate of 62.7%.

The typical home improvement loan here is $55K, 27% smaller than the the United States typical of $75K.

Approval rate of all 53 lenders with 20+ decisions here
0%25%50%75%100%Regions Bank: 35% approved of 78Spring Eq, LLC: 36% approved of 126Bank of America, National Association: 38% approved of 192Wells Fargo Bank, National Association: 54% approved of 28U.S. Bank National Association: 55% approved of 767Citizens Bank, National Association: 57% approved of 35Old National Bank: 58% approved of 26I. H. Mississippi Valley Credit Union: 58% approved of 62Navy Federal Credit Union: 60% approved of 65Great Southern Bank: 62% approved of 79First Interstate Bank: 64% approved of 67PNC Bank, National Association: 65% approved of 31Figure Lending LLC: 67% approved of 128BMO Bank National Association: 67% approved of 122New American Funding, LLC: 70% approved of 57Rocket Mortgage, LLC: 74% approved of 23Collins Community Credit Union: 74% approved of 489Nationstar Mortgage LLC: 74% approved of 35The Family: 75% approved of 124Community State Bank: 75% approved of 28MidWestOne Bank: 75% approved of 85First Class Community: 75% approved of 73R.I.A. Federal Credit Union: 76% approved of 85Community Savings Bank: 78% approved of 23The Security National Bank of Sioux City, Iowa: 79% approved of 86Community Choice Credit Union: 79% approved of 580CBI Bank & Trust: 80% approved of 54Greater Iowa Credit Union: 80% approved of 155Bankers Trust Company: 82% approved of 103Hills Bank and Trust Company: 82% approved of 617Quad City Bank And Trust Company: 83% approved of 41Empeople Credit Union: 85% approved of 228Midwest Heritage Bank, FSB: 85% approved of 47Northwest Bank: 85% approved of 169Primebank: 86% approved of 21Lendage, LLC: 87% approved of 23Central Bank: 88% approved of 106Veridian Credit Union: 88% approved of 3,214GREENSTATE Credit Union: 88% approved of 2,749BankIowa: 90% approved of 41Dupaco Community: 91% approved of 44Iowa State Bank: 91% approved of 22First: 94% approved of 31Journey Credit Union: 94% approved of 63Cedar Falls Community Credit Union: 94% approved of 36Luana Savings Bank: 95% approved of 37Farmers State Bank: 96% approved of 67Financial Plus Credit Union: 96% approved of 152Siouxland Federal Credit Union: 98% approved of 40Mount Vernon Bank and Trust Company: 98% approved of 44Coastal Community Bank: 99% approved of 207Premier Credit Union: 100% approved of 248Serve Credit Union: 100% approved of 69

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Iowa

LenderApprovalApprovedTaken upTypical loanLoans made
1Veridian Credit Union88%2,832 / 3,21499%$55K2,815
2GREENSTATE Credit Union88%2,427 / 2,74992%$55K2,243
3U.S. Bank National Association55%424 / 76797%$55K411
4Hills Bank and Trust Company82%507 / 61795%$45K482
5Community Choice Credit Union79%461 / 580100%$55K461

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 185 more lenders.

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Other lending data for Iowa

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Counties in Iowa

Polk CountyCountyLinn CountyCountyScott CountyCountyJohnson CountyCountyBlack Hawk CountyCountyWoodbury CountyCountyDallas CountyCounty