Iowa Code » Chapter 557 — REAL PROPERTY IN GENERAL
Iowa Code

Iowa Code § 557.14 (2026)

Title and possession of mortgagor

✓ Iowa Code 2026 (laws through the 2025 session)
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In absence of stipulations to the contrary, the mortgagor of real estate retains the legal title and right of possession thereto. [C51, §1210; R60, §2217; C73, §1938; C97, §2922; C24, 27, 31, 35, 39, §10053; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §557.14]

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Notes of Decisions
Cited in 6 cases (1 in the last 5 years), 1989–2021 · leading case: Young v. Embley, 143 P.3d 936 (Alaska 2006).
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Young v. Embley, 143 P.3d 936 (Alaska 2006). “2d 910, 918 (1956); Iowa Code Ann. § 557.14 (West 1992); Hoelting Enters.”
Norwest Credit, Inc. v. City of Davenport, 626 N.W.2d 153 (Iowa 2001). · cites it 2× “See Iowa Code § 557.14 . However, when the senior mortgagee is forced to foreclose on the mortgage and chooses to purchase the property at the foreclosure sale it is merely exercising its security interest in the property that existed at the execution of the mortgage.”
Plymouth Cnty. ex rel. Raymond v. Merscorp, Inc., 886 F. Supp. 2d 1114 (N.D. Iowa 2012). · cites it 2× “See Iowa Code § 557.14 .”); Bates v. Pabst, 223 Iowa 534 , 273 N.”
Moad v. Neill, 451 N.W.2d 4 (Iowa Ct. App. 1989). · cites it 2× “See also Iowa Code section 557.14, which provides: “In absence of a stipulation to the contrary, the mortgagor of real estate retains legal title and right of possession thereto.”
United States v. G & T Enter., L.C., 978 F. Supp. 1232 (N.D. Iowa 1997). “§ 557.14 ("In the absence of stipulations to the contrary, the mortgagor of real estate retains the legal title and right of possession thereto.”
Midstates Bank, N.A. v. LBR Enter., LLC, No. 20-0336 (Iowa Ct. App. May 12, 2021). · cites it 2× “See Iowa Code § 557.14 (2017) (“In 5 In common law, “a mortgage was considered a conveyance of the land or a pro tanto disposition of the property by the mortgagor.”
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