Mortgage lending in Black Hawk County
3,796 mortgages were originated in Black Hawk County, Iowa, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,796
- Median rate
- 6.500%
- Median lender fees
- $1,886
- Median loan amount
- $105,000
- Median spread over APOR
- 0.118
- Paid discount points
- 8.3%
- Received lender credits
- 22.4%
- Purchases / refinances
- 52% / 24.9%
- Conventional / FHA / VA
- 94.4% / 2.7% / 2.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Black Hawk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| VERIDIAN CREDIT UNION | 1,472 | $1,874 | 6.490% |
| GREENSTATE Credit Union | 832 | $1,832 | 6.625% |
| Farmers State Bank | 174 | $1,995 | 6.875% |
| CEDAR FALLS COMMUNITY CREDIT UNION | 154 | $229 | 6.000% |
| DUPACO COMMUNITY | 113 | — | 7.000% |
| BankIowa of Cedar Rapids | 98 | — | — |
| Empeople Credit Union | 92 | $2,469 | 6.490% |
| First Bank | 64 | — | — |
| U.S. Bank National Association | 60 | — | 8.450% |
| Rocket Mortgage, LLC | 58 | $5,993 | 6.625% |
What lenders charged here
Lender fees on a $105,000 loan, based on what was actually charged in Black Hawk County — not a rule of thumb.
From 2,365 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers