2025 · Iowa
In 2025, 5,392 investment-property loans worth $861M were originated on single-family 1-4 unit homes in Iowa. Here's how those terms compared to the rest of the country.
Investor rate premium
63 bps
U.S. median: 76 bps
Denial rate
6.9%
U.S. median: 17.5%
DSCR / business-purpose
48%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Iowa
Rate premium
75 bps → 63 bps
-12 bpsInvestor loans
4,690 → 5,392
+15.0%Denial rate
7.0% → 6.9%
-0.1 ptsDSCR / business-purpose
47% → 48%
+1.5 ptsInvestors in Iowa borrowed at a median rate of 7%, versus 6.375% for owner-occupants — a 63 bps premium that ranks 38th of 51 states.
Their applications were denied 6.9% of the time. The leading reasons for denial were debt-to-income ratio, collateral, credit history.
48% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 6% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Iowa carried a rate of 7% versus 6.375% for an owner-occupant — a premium of 63 bps. That ranks 38th of 51 states (1 = highest premium).
6.9% of investment-property applications were denied in Iowa in 2025, the 49th-highest denial rate among the 51 states. The most common denial reasons were debt-to-income ratio, collateral, credit history.
48% of investor loans in Iowa were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (51st of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.