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

Across 2,124 closed home-purchase loans in 2025, the median interest rate in Scott was 6.375%, and the middle half of borrowers got between 5.99% and 6.625%. Median total loan costs ran $2,728 on a median loan of $205,000. 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: 6.375%
Middle half of rates: 5.99%–6.625%
Median total loan costs: $2,728
Median loan amount: $205,000

2,124 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $3,220
Median loan amount: $225,000

713 loans, 2025.

Lowest median rates in Scott (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.Empeople Credit Union5.74%89 loans, median costs $2,569
2.ASCENTRA CREDIT UNION5.75%62 loans, median costs $2,093
3.R.I.A. Federal Credit Union5.75%52 loans, median costs $2,405
4.DUTRAC COMMUNITY CREDIT UNION6%53 loans, median costs $2,352
5.I H MISSISSIPPI VALLEY CREDIT UNION6.125%124 loans, median costs $2,097

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

Refinance

1.ASCENTRA CREDIT UNION5.75%35 loans, median costs $2,148
2.United Wholesale Mortgagebroker only5.875%59 loans, median costs $6,722
3.I H MISSISSIPPI VALLEY CREDIT UNION5.875%44 loans, median costs $2,054
4.RUHL MORTGAGE5.99%41 loans, median costs $2,103
5.GREENSTATE CREDIT UNION6.125%60 loans, median costs $1,764

Among lenders with at least 30 closed refinance loans in Scott 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 Scott

Every lender that closed at least 5 qualifying loans in Scott 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	347	6.25%	$1,909	$725	$216
2	RUHL MORTGAGE	202	6.25%	$2,141	$885	$400
3	NEW AMERICAN FUNDING, LLC.	169	6.5%	$5,649	$2,938	$2,158
4	LOWER, LLC	133	6.75%	$3,670	$1,571	$1,367
5	I H MISSISSIPPI VALLEY CREDIT UNION	124	6.125%	$2,097	$675	$2,711
6	Empeople Credit Union	89	5.74%	$2,569	$990	$424
7	United Wholesale Mortgagebroker only	74	6.545%	$4,445	$1,941	$1,410
8	ASCENTRA CREDIT UNION	62	5.75%	$2,093	$675	n/a
9	American B&T C, N.A.	58	6.49%	$2,709	$1,135	$158
10	GUARANTEED RATE, INC.	55	6.5%	$3,741	$1,782	$928
11	DUTRAC COMMUNITY CREDIT UNION	53	6%	$2,352	$960	$192
12	R.I.A. Federal Credit Union	52	5.75%	$2,405	$650	n/a
13	FAIRWAY INDEPENDENT MORT CORP	46	6.688%	$6,369	$2,551	$1,411
14	Mortgage Research Center	44	6.5%	$4,223	$0	$2,578
15	ROCKET MORTGAGE	39	6.625%	$5,751	$3,000	$2,767
16	Quad City Bank and Trust	34	n/a	n/a	n/a	n/a
17	US BANK, N.A.	30	6.5%	$3,056	$1,276	$650
18	Granite Bank	22	6.625%	$6,172	$1,647	$380
19	FIRST CENTRAL STATE BANK	21	n/a	n/a	n/a	n/a
20	Old National Bank	21	6.25%	$2,979	$1,100	$373
21	BankORION	19	n/a	n/a	n/a	n/a
22	NEWREZ LLC	19	6.125%	$6,677	$999	$6
23	FIRST FEDERAL BANK	18	6.562%	$3,105	$1,195	$480
24	GERSHMAN INVESTMENT CORP.	17	6.125%	$2,863	$1,345	$200
25	21ST MORTGAGE	16	11.235%	n/a	n/a	n/a
26	COMPASS MORTGAGE, INC.	15	6.5%	$3,274	$1,549	$405
27	THE FAMILY CREDIT UNION	13	6.125%	$1,844	$675	n/a
28	THE CENTRAL TRUST BANK	13	6.125%	$4,296	$1,883	$598
29	Flanagan State Bank	11	6.625%	$7,482	$1,064	$1,728
30	Navy Federal Credit Union	11	6.125%	$1,839	$0	$7,381
31	IOWA BANKERS MORTGAGE CORPORATION	11	5.875%	$2,875	$1,450	n/a
32	CMG MORTGAGE INC	11	7.125%	$3,243	$1,500	$2,213
33	CROSSCOUNTRY MORTGAGE, LLC	11	6.99%	$4,210	$2,670	$2,063
34	CBI Bank & Trust	9	6.25%	$2,615	$835	$349
35	PLAZA HOME MORTGAGE, INCbroker only	9	6.375%	$5,201	$1,175	$990
36	Residential Mortgage Network, Inc.	9	6.625%	$4,706	$1,500	$1,902
37	Gas & Electric Credit Union	8	5.75%	$3,349	$1,861	n/a
38	WELLS FARGO BANK NA	8	6.5%	$3,437	$1,496	$1,525
39	BLACKHAWK BANK & TRUST	7	n/a	n/a	n/a	n/a
40	First Trust and Savings 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 Scott County in 2025?

The median interest rate on closed home-purchase loans in Scott County, Iowa in 2025 was 6.375%, across 2,124 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.625%.

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.