Mortgage lending in Johnson County
4,374 mortgages were originated in Johnson 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
- 4,374
- Median rate
- 6.490%
- Median lender fees
- $1,849
- Median loan amount
- $195,000
- Median spread over APOR
- 0.027
- Paid discount points
- 9.3%
- Received lender credits
- 19.2%
- Purchases / refinances
- 59.3% / 23.4%
- Conventional / FHA / VA
- 94.7% / 2.4% / 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 65.6% 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 Johnson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREENSTATE Credit Union | 1,796 | $1,849 | 6.490% |
| Hills Bank and Trust Company | 1,245 | $1,823 | 6.250% |
| RESIDENTIAL MORTGAGE NETWORK, INC. | 154 | $2,333 | 6.375% |
| VERIDIAN CREDIT UNION | 134 | $1,931 | 6.490% |
| MidWestOne Bank | 124 | — | 5.990% |
| DHI MORTGAGE COMPANY, LTD. | 81 | $4,442 | 5.375% |
| Rocket Mortgage, LLC | 56 | $3,680 | 6.990% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Johnson County — not a rule of thumb.
From 2,868 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