Mortgage lending in Cedar Rapids, IA
8,051 mortgages were originated in the Cedar Rapids, IA area in 2025, and here is what they cost.
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
- 8,051
- Median rate
- 6.500%
- Median lender fees
- $2,019
- Median loan amount
- $145,000
- Median spread over APOR
- 0.124
- Paid discount points
- 14.3%
- Received lender credits
- 14.7%
- Purchases / refinances
- 57.2% / 24.7%
- Conventional / FHA / VA
- 88.1% / 6.4% / 4.7%
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 64.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Cedar Rapids, IA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREENSTATE Credit Union | 1,939 | $1,894 | 6.490% |
| Hills Bank and Trust Company | 1,095 | $1,874 | 6.250% |
| VERIDIAN CREDIT UNION | 573 | $1,931 | 6.625% |
| Collins Community Credit Union | 498 | $2,230 | 6.750% |
| DUPACO COMMUNITY | 336 | $2,185 | 7.000% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 260 | $5,374 | 6.250% |
| LINN AREA | 213 | $2,070 | 6.500% |
| Ohnward Bank & Trust | 198 | — | — |
| Broker Solutions, Inc. | 188 | $4,825 | 6.750% |
| Rocket Mortgage, LLC | 157 | $5,089 | 6.625% |