Mortgage lending in Story County
1,680 mortgages were originated in Story 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
- 1,680
- Median rate
- 6.500%
- Median lender fees
- $2,608
- Median loan amount
- $195,000
- Median spread over APOR
- 0.134
- Paid discount points
- 16.4%
- Received lender credits
- 23%
- Purchases / refinances
- 58.6% / 23.5%
- Conventional / FHA / VA
- 89% / 5.4% / 4.8%
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 62.6% 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 Story County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREATER IOWA CREDIT UNION | 126 | $1,894 | 6.250% |
| IOWA BANKERS MORTGAGE CORPORATION | 118 | $2,306 | 6.375% |
| GREENSTATE Credit Union | 96 | $1,929 | 6.625% |
| VERIDIAN CREDIT UNION | 85 | — | 6.490% |
| Community Choice Credit Union | 74 | — | 6.125% |
| GUILD MORTGAGE COMPANY | 73 | $3,219 | 6.625% |
| Northwest Bank | 63 | — | 6.250% |
| Bankers Trust Company | 59 | $2,158 | 5.875% |
| First National Bank, Ames, Iowa | 58 | — | — |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 57 | — | 6.625% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Story County — not a rule of thumb.
From 1,052 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