Home purchase lenders in Clayton County
181 home purchase mortgages were made in Clayton County, Iowa, in 2025, by 53 lenders. The median rate their borrowers got was 6.400% on a median loan of $135,000. Of 206 decisions, 18 were denials — 8.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Fidelity Bank & Trust | 35 | 6.200% | $125,000 | 2.8% |
| Luana Savings Bank | 24 | 6.100% | $165,000 | 0.0% |
| Peoples State Bank | 19 | Not published | $115,000 | 13.6% |
| Community Savings Bank | 16 | Not published | $145,000 | 14.3% |
| Broker Solutions, Inc. | 13 | 6.750% | $115,000 | 0.0% |
| DUPACO COMMUNITY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Central State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VERIDIAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers & Merchants Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kerndt Brothers Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ohnward Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA STATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Du Trac Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankIowa of Cedar Rapids | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CO-OP Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| GNB BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Farm Credit Mid-America | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Royal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AIM Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 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.