Mortgage lending in Dallas County
3,942 mortgages were originated in Dallas County, Iowa, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,942
- Median rate
- 6.490%
- Median lender fees
- $2,409
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $255,000
- Above the going rate (spread over APOR)
- -0.051
- Paid discount points
- 16.7%
- Received lender credits
- 26.6%
- Purchases / refinances
- 59% / 23.9%
- Conventional / FHA / VA
- 88% / 6.8% / 4.9%
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 70% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $358,000
- That home, 20% down
- $286,400
A median-priced home with 20% down leaves $546,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Dallas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREENSTATE Credit Union | 679 | $1,754 | 6.490% |
| Veridian Credit Union | 421 | $1,889 | 6.490% |
| DHI Mortgage Company, Ltd. | 222 | $1,645 | 5.500% |
| Community Choice Credit Union | 220 | $2,459 | 6.125% |
| Luana Savings Bank | 120 | $1,329 | 6.100% |
| Northwest Bank | 91 | $2,484 | 6.625% |
| United Shore Financial Services, LLC | 87 | $5,005 | 6.125% |
| Premier Credit Union | 84 | — | 7.000% |
| Rocket Mortgage, LLC | 80 | $4,148 | 6.750% |
| Iowa Bankers Mortgage Corporation | 79 | $2,521 | 6.500% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Dallas County — not a rule of thumb.
From 2,760 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers