Refinancing lenders in Cedar County
86 refinancing mortgages were made in Cedar County, Iowa, in 2025, by 35 lenders. The median rate their borrowers got was 6.490% on a median loan of $105,000. Of 103 decisions, 14 were denials — 13.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 23 | 6.490% | $95,000 | 7.7% |
| Fidelity Bank & Trust | 13 | 6.260% | $95,000 | 7.1% |
| Hills Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 18.2% |
| VERIDIAN CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CBI Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bridge Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ASCENTRA Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RESIDENTIAL MORTGAGE NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mount Vernon Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Collins Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINN AREA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DUPACO COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Cedar Rapids Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| IOWA BANKERS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.