What people paid for mortgages in Linn County, IA (2025)

Across 3,012 closed home-purchase loans in 2025, the median interest rate in Linn was 6.25%, and the middle half of borrowers got between 5.875% and 6.5%. Median total loan costs ran $2,118 on a median loan of $195,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.25%
Middle half of rates: 5.875%–6.5%
Median total loan costs: $2,118
Median loan amount: $195,000

3,012 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $2,515
Median loan amount: $195,000

905 loans, 2025.

Lowest median rates in Linn (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.DHI Mortgage Company, LTD.builder lender5.5%60 loans, median costs $1,921
2.HILLS BANK AND TRUST COMPANY6%441 loans, median costs $1,907
3.VERIDIAN CREDIT UNION6%138 loans, median costs $1,994
4.COLLINS COMMUNITY CREDIT UNION6.1%166 loans, median costs $2,313
5.GREENSTATE CREDIT UNION6.125%795 loans, median costs $1,909

Among lenders with at least 30 closed purchase loans in Linn County in 2025.

Refinance

1.United Wholesale Mortgagebroker only5.75%89 loans, median costs $5,236
2.ROCKET MORTGAGE5.99%59 loans, median costs $6,635
3.GREENSTATE CREDIT UNION6%191 loans, median costs $1,764
4.VERIDIAN CREDIT UNION6%42 loans, median costs $1,984
5.COLLINS COMMUNITY CREDIT UNION6.125%54 loans, median costs $2,235

Among lenders with at least 30 closed refinance loans in Linn County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Linn

Every lender that closed at least 5 qualifying loans in Linn County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	GREENSTATE CREDIT UNION	795	6.125%	$1,909	$725	$284
2	HILLS BANK AND TRUST COMPANY	441	6%	$1,907	$750	$372
3	COLLINS COMMUNITY CREDIT UNION	166	6.1%	$2,313	$849	$216
4	VERIDIAN CREDIT UNION	138	6%	$1,994	$500	n/a
5	United Wholesale Mortgagebroker only	121	6.6%	$5,599	$1,174	$839
6	NEW AMERICAN FUNDING, LLC.	101	6.75%	$6,066	$2,853	$1,560
7	FLAT BRANCH MORTGAGE, INC.	101	6.5%	$4,510	$2,289	$1,120
8	Residential Mortgage Network, Inc.	100	6.5%	$2,798	$951	$663
9	Corda Credit Union	97	6.125%	$2,175	$625	$215
10	OHNWARD BANK AND TRUST	69	n/a	n/a	n/a	n/a
11	IOWA BANKERS MORTGAGE CORPORATION	66	6.312%	$2,050	$708	$490
12	FARMERS STATE BANK	62	6.25%	$1,833	$645	$292
13	DHI Mortgage Company, LTD.builder lender	60	5.5%	$1,921	$0	$4,483
14	DUPACO COMMUNITY CREDIT UNION	55	6.125%	$2,082	$950	n/a
15	Mortgage Research Center	41	6.375%	$3,700	$695	$446
16	Cedar Rapids Bank and Trust	39	n/a	n/a	n/a	n/a
17	ROCKET MORTGAGE	38	6.75%	$4,956	$2,367	$1,792
18	US BANK, N.A.	36	6.495%	$2,613	$1,020	$718
19	Mount Vernon Bank and Trust Company	35	n/a	n/a	n/a	n/a
20	21ST MORTGAGE	31	11.78%	n/a	n/a	n/a
21	GUILD MORTGAGE COMPANY	23	6.625%	$5,275	$1,785	$1,150
22	WATERSTONE MORTGAGE CORPORATION	21	6.5%	$6,200	$4,219	$2,899
23	MLD MORTGAGE, INC.dba The Money Store	19	6.99%	$6,303	$1,495	$405
24	CMG MORTGAGE INC	19	6.625%	$5,899	$2,675	$1,392
25	WELLS FARGO BANK NA	19	6.625%	$3,238	$1,743	$1,448
26	HOMESERVICES LENDING LLC	17	6.625%	$3,279	$1,249	$1,956
27	Bankers Trust Company	16	5.25%	$2,247	$600	n/a
28	COMMUNITY SAVINGS BANK	15	n/a	n/a	n/a	n/a
29	MIDWESTONE BANK	14	6.25%	$2,257	$645	$371
30	West Gate Bank	14	6.188%	$2,596	$900	$255
31	Fidelity Bank & Trust	10	5.74%	$3,086	$2,100	n/a
32	TOWNE MORTGAGE COMPANY	10	6.938%	$7,898	$2,793	$954
33	GUARANTEED RATE AFFINITY, LLC	8	6.312%	$45	$0	$362
34	Navy Federal Credit Union	8	6%	$2,761	$0	$244
35	NEWREZ LLC	8	6.312%	$5,420	$635	$85
36	FIRST FEDERAL CREDIT UNION	8	5.99%	$4,043	$2,463	n/a
37	PENNYMAC LOAN SERVICES LLC	8	6.25%	$6,736	$1,592	$296
38	PLAZA HOME MORTGAGE, INCbroker only	7	6.625%	$6,787	$627	n/a
39	Community 1st Credit Union	7	6.5%	$2,171	$825	n/a
40	CITIZENS STATE BANK	6	n/a	n/a	n/a	n/a

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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What happens after you submit

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Common questions

What mortgage rate did people get in Linn County in 2025?

The median interest rate on closed home-purchase loans in Linn County, Iowa in 2025 was 6.25%, across 3,012 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% and 6.5%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.