Lowest closing cost mortgage lenders in Polk County County, Iowa
In Polk County, Iowa, homebuyers paid a median of $2,962 in closing costs in 2024 — above the Iowa median of $2,784. The county saw 5,667 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Luana Savings Bank offered the lowest median costs at $1,360, which is $1,248 less than the county median.
Homebuyers in Polk County County who chose Luana Savings Bank paid $1,602 less in closing costs than the county median.
County Median Costs
$2,962
+6.4% vs Iowa ($2,784)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,290
Purchase Originations
5,667
vs Iowa Median
6.4% above
$178
vs National Median
56.1% below
$-3,779
Lender rankings in Polk County County
58 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,360 | 6.500% | $0 | 105 | −$1,248 | |
| 2 | $1,375 | 5.875% | $0 | 95 | −$1,233 | |
| 3 | $1,536 | 6.250% | $345 | 13 | −$1,072 | |
| 4 | $1,822 | 6.375% | $725 | 613 | −$786 | |
| 5 | $1,872 | 6.250% | $500 | 366 | −$736 | |
| 6 | $1,958 | 6.250% | $500 | 19 | −$650 | |
| 7 | $1,997 | 6.500% | $725 | 21 | −$611 | |
| 8 | $2,068 | 6.000% | $750 | 12 | −$540 | |
| 9 | $2,178 | 6.125% | $760 | 45 | −$430 | |
| 10 | $2,219 | 6.250% | $1,288 | 240 | −$389 | |
| 11 | $2,228 | 6.375% | $1,050 | 18 | −$380 | |
| 12 | $2,249 | 6.375% | $849 | 10 | −$359 | |
| 13 | $2,322 | 6.375% | $875 | 223 | −$286 | |
| 14 | $2,542 | 6.250% | $875 | 71 | −$66 | |
| 15 | $2,555 | 6.624% | $1,038 | 62 | −$53 | |
| 16 | $2,571 | 6.375% | $1,325 | 15 | −$37 | |
| 17 | $2,581 | 6.500% | $1,050 | 166 | −$27 | |
| 18 | $2,588 | 5.990% | $990 | 42 | −$20 | |
| 19 | $2,762 | 6.875% | $1,206 | 84 | +$154 | |
| 20 | $2,765 | 6.875% | $1,295 | 67 | +$157 | |
| 21 | $2,782 | 6.625% | $1,311 | 128 | +$174 | |
| 22 | $2,807 | 6.625% | $1,218 | 41 | +$199 | |
| 23 | $2,859 | 6.625% | $1,487 | 37 | +$251 | |
| 24 | $2,877 | 6.500% | $1,345 | 136 | +$269 | |
| 25 | $3,016 | 7.000% | $1,509 | 14 | +$408 | |
| 26 | $3,044 | 6.500% | $832 | 25 | +$436 | |
| 27 | $3,052 | 5.125% | $1,155 | 27 | +$444 | |
| 28 | $3,065 | 6.875% | $1,572 | 55 | +$457 | |
| 29 | $3,082 | 6.625% | $1,627 | 158 | +$474 | |
| 30 | $3,118 | 6.500% | $1,636 | 54 | +$510 | |
| 31 | $3,168 | 6.375% | $1,823 | 73 | +$560 | |
| 32 | $3,255 | 6.250% | $1,707 | 16 | +$647 | |
| 33 | $3,348 | 6.125% | $1,850 | 17 | +$740 | |
| 34 | $3,493 | 6.625% | $2,348 | 46 | +$885 | |
| 35 | $3,524 | 6.625% | $1,953 | 100 | +$916 | |
| 36 | $3,541 | 10.500% | $2,500 | 25 | +$933 | |
| 37 | $3,595 | 6.625% | $2,042 | 49 | +$987 | |
| 38 | $3,701 | 6.875% | $2,281 | 246 | +$1,093 | |
| 39 | $3,799 | 6.990% | $2,246 | 12 | +$1,191 | |
| 40 | $3,910 | 6.625% | $2,410 | 15 | +$1,302 | |
| 41 | $3,999 | 6.875% | $2,626 | 63 | +$1,391 | |
| 42 | $4,000 | 6.625% | $2,956 | 59 | +$1,392 | |
| 43 | $4,058 | 6.750% | $2,565 | 121 | +$1,450 | |
| 44 | $4,205 | 6.990% | $2,788 | 12 | +$1,597 | |
| 45 | $4,340 | 6.558% | $2,911 | 32 | +$1,732 | |
| 46 | $4,369 | 6.875% | $2,884 | 23 | +$1,761 | |
| 47 | $4,834 | 6.875% | $3,285 | 12 | +$2,226 | |
| 48 | $5,004 | 6.623% | $3,316 | 89 | +$2,396 | |
| 49 | $5,257 | 6.575% | $3,967 | 55 | +$2,649 | |
| 50 | $5,353 | 6.875% | $3,667 | 13 | +$2,745 | |
| 51 | $5,504 | 6.375% | $3,710 | 23 | +$2,896 | |
| 52 | $5,558 | 9.505% | $4,128 | 12 | +$2,950 | |
| 53 | $5,688 | 6.625% | $3,541 | 11 | +$3,080 | |
| 54 | $5,803 | 6.990% | $3,957 | 19 | +$3,195 | |
| 55 | $6,551 | 6.750% | $4,112 | 30 | +$3,943 |
Includes lenders with 10+ purchase originations in Polk County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Iowa → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.