Refinancing lenders in Guthrie County
59 refinancing mortgages were made in Guthrie County, Iowa, in 2025, by 40 lenders. The median rate their borrowers got was 6.063% on a median loan of $175,000. Of 66 decisions, 6 were denials — 9.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First State Bank | 10 | Not published | $55,000 | 9.1% |
| Guthrie County State Bank | 10 | Not published | $150,000 | 0.0% |
| GREENSTATE Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PEOPLES BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREATER IOWA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Choice Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| South Story Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS1st Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY 1ST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VISIONBANK OF IOWA | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Fidelity Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FNB Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMESERVICES LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 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.