Mortgage lending in Scott County
4,496 mortgages were originated in Scott 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
- 4,496
- Median rate
- 6.500%
- Median lender fees
- $2,527
- Median loan amount
- $155,000
- Median spread over APOR
- 0.171
- Paid discount points
- 23%
- Received lender credits
- 18.6%
- Purchases / refinances
- 58.7% / 25.2%
- Conventional / FHA / VA
- 82.1% / 9.5% / 8.2%
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 71.4% 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 Scott County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREENSTATE Credit Union | 719 | $1,909 | 6.490% |
| RUHL MORTGAGE, LLC | 271 | $2,128 | 6.250% |
| ASCENTRA Credit Union | 271 | $2,079 | 6.500% |
| Broker Solutions, Inc. | 248 | $5,456 | 6.625% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 227 | $2,026 | 6.250% |
| Empeople Credit Union | 209 | $2,547 | 6.375% |
| LOWER, LLC | 202 | $3,610 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 137 | $5,157 | 6.349% |
| Rocket Mortgage, LLC | 134 | $4,991 | 6.625% |
| R.I.A. Federal Credit Union | 124 | $2,300 | 5.750% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Scott County — not a rule of thumb.
From 3,211 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