Mortgage lending in Linn County
6,849 mortgages were originated in Linn 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
- 6,849
- Median rate
- 6.500%
- Median lender fees
- $1,996
- Median loan amount
- $145,000
- Median spread over APOR
- 0.111
- Paid discount points
- 14.3%
- Received lender credits
- 14.8%
- Purchases / refinances
- 58.5% / 23.9%
- Conventional / FHA / VA
- 88.7% / 6.5% / 4.5%
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 65.3% 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 Linn County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREENSTATE Credit Union | 1,747 | $1,894 | 6.490% |
| Hills Bank and Trust Company | 1,031 | $1,873 | 6.250% |
| VERIDIAN CREDIT UNION | 503 | $1,931 | 6.625% |
| Collins Community Credit Union | 451 | $2,232 | 6.750% |
| DUPACO COMMUNITY | 265 | $2,172 | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 218 | $5,374 | 6.250% |
| LINN AREA | 183 | $2,085 | 6.500% |
| Ohnward Bank & Trust | 163 | — | — |
| Broker Solutions, Inc. | 156 | $4,837 | 6.750% |
| Rocket Mortgage, LLC | 123 | $4,824 | 6.625% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Linn County — not a rule of thumb.
From 4,471 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