What loan types does United Bank of Iowa offer?

United Bank of Iowa offers the following mortgage loan types: Conventional, usda. Each product has its own pricing score and performance metrics.

Where does United Bank of Iowa offer mortgages?

United Bank of Iowa offers mortgages in 3 states: IA, NE, TX.

How competitive are United Bank of Iowa's mortgage rates?

United Bank of Iowa has an overall pricing score of 28.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is United Bank of Iowa?

United Bank of Iowa is a Bank headquartered in Ida Grove, IA.

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United Bank of Iowa

Bank•Ida Grove, IAHQ•Direct•Reviews near you on Google

United Bank of Iowa has 174 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · USDA

Place

Sound

3/5

Regional · 2 mkts

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

United Bank of Iowa performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+33.4 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Acceptable	140	80.5%	+0.190%Above	$1,374Fees
USDA Loans	Sound	Strong	Mediocre	Sound	34	19.5%	+1.127%Above	$1,422Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume140

Mix80.5%

Spread

+0.190%Above

Fees

$1,374Fees

USDA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume34

Mix19.5%

Spread

+1.127%Above

Fees

$1,422Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Acceptable	Acceptable	143	82.2%	+0.413%Above	$1,426Fees
Refinance	Sound	Sound	Sound	Sound	31	17.8%	-0.010%Below	$1,184Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume143

Mix82.2%

Spread

+0.413%Above

Fees

$1,426Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume31

Mix17.8%

Spread

-0.010%Below

Fees

$1,184Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

174

Applications

328

Volume

$22 million

Pricing & Closing

Avg Rate Spread

+0.334%

vs. market APOR

Avg Net Fees

$1,381

Origination − Credits

Pullthrough Rate

53.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$128,448

Avg Borrower Income

$82,069

Avg Property Value

$177,816

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest2

IANE

South1

Top Metro Areas by Place Specialization Score

Sioux City, IAMetro

Volume 17Mix 9.77% of portfolio

51/100

Sound

Omaha, NE, NE-IAMetro

Volume 15Mix 8.62% of portfolio

49/100

Sound

Top States by Place Specialization Score

IowaState

Volume 172Mix 98.85% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.