Mortgage Lender Index

Mortgage lenders in Monroe County

117 mortgages were made in Monroe County, Iowa, in 2025, by 57 lenders. The median rate their borrowers got was 6.500% on a median loan of $105,000. Of 145 decisions, 27 were denials — 18.6%, most often for credit history.

LenderMortgages madeMedian rateMedian loanDenied
COMMUNITY 1ST CREDIT UNION 46 3.500% $65,000 4.2%
WEST GATE BANK 6 Under 10 loans Under 10 loans 0.0%
CROSSCOUNTRY MORTGAGE, INC. 6 Under 10 loans Under 10 loans 0.0%
Rocket Mortgage, LLC 5 Under 10 loans Under 10 loans 54.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 Under 10 loans Under 10 loans 16.7%
GREENSTATE Credit Union 3 Under 10 loans Under 10 loans 25.0%
VERIDIAN CREDIT UNION 3 Under 10 loans Under 10 loans 0.0%
GERSHMAN INVESTMENT CORP. 3 Under 10 loans Under 10 loans 0.0%
Empeople Credit Union 2 Under 10 loans Under 10 loans 60.0%
Mortgage Research Center, LLC 2 Under 10 loans Under 10 loans 0.0%
IOWA BANKERS MORTGAGE CORPORATION 2 Under 10 loans Under 10 loans 33.3%
Great Southern Bank 2 Under 10 loans Under 10 loans 0.0%
REGIONAL MISSOURI BANK 2 Under 10 loans Under 10 loans 0.0%
Plains Commerce Bank 2 Under 10 loans Under 10 loans 0.0%
Fairway Independent Mortgage Corporation 2 Under 10 loans Under 10 loans 0.0%
Broker Solutions, Inc. 1 Under 10 loans Under 10 loans 50.0%
FIGURE LENDING LLC 1 Under 10 loans Under 10 loans 33.3%
Community Choice Credit Union 1 Under 10 loans Under 10 loans 50.0%
Collins Community Credit Union 1 Under 10 loans Under 10 loans 0.0%
Navy Federal Credit Union 1 Under 10 loans Under 10 loans 0.0%
Farm Credit Mid-America 1 Under 10 loans Under 10 loans 0.0%
MARINE CREDIT UNION 1 Under 10 loans Under 10 loans 0.0%
CHARTER WEST BANK 1 Under 10 loans Under 10 loans 50.0%
COMPASS MORTGAGE, INC. 1 Under 10 loans Under 10 loans 50.0%
Lendage, LLC 1 Under 10 loans Under 10 loans 0.0%
First State Bank 1 Under 10 loans Under 10 loans 0.0%
Midwest Heritage Bank, FSB 1 Under 10 loans Under 10 loans 0.0%
Journey Credit Union 1 Under 10 loans Under 10 loans 0.0%
ASSEMBLIES OF GOD Credit Union 1 Under 10 loans Under 10 loans 0.0%
Loandepot.Com, LLC 1 Under 10 loans Under 10 loans 0.0%
GUILD MORTGAGE COMPANY 1 Under 10 loans Under 10 loans 0.0%
Farmers and Merchants State Bank 1 Under 10 loans Under 10 loans 0.0%
HOMESERVICES LENDING, LLC 1 Under 10 loans Under 10 loans 0.0%
Waterstone Mortgage Corporation 1 Under 10 loans Under 10 loans 0.0%
Luana Savings Bank 1 Under 10 loans Under 10 loans 0.0%
MidWestOne Bank 1 Under 10 loans Under 10 loans 0.0%
CONSUMER REAL ESTATE FINANCE CO. 1 Under 10 loans Under 10 loans 0.0%
21st Mortgage Corporation 1 Under 10 loans Under 10 loans 0.0%
Barrington Bank & Trust Company, National Association 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%
AmeriSave Mortgage Corporation 0 Under 10 loans Under 10 loans 100.0%
Loan Funder LLC 0 Under 10 loans Under 10 loans Not published
Coastal Community Bank 0 Under 10 loans Under 10 loans Not published
ROYAL UNITED MORTGAGE LLC 0 Under 10 loans Under 10 loans 100.0%
SOFI BANK, NATIONAL ASSOCIATION 0 Under 10 loans Under 10 loans 100.0%
AMERICAN FINANCING CORPORATION 0 Under 10 loans Under 10 loans 100.0%
UNITED SHORE FINANCIAL SERVICES, LLC 0 Under 10 loans Under 10 loans Not published
FREEDOM MORTGAGE CORPORATION 0 Under 10 loans Under 10 loans Not published
Bank Iowa 0 Under 10 loans Under 10 loans 100.0%
Bank of America, National Association 0 Under 10 loans Under 10 loans 100.0%
Wells Fargo Bank, National Association 0 Under 10 loans Under 10 loans Not published
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
AMERICAN FINANCIAL RESOURCES, INC. 0 Under 10 loans Under 10 loans Not published
NEWREZ LLC 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.

Bank branches in Monroe County

5 FDIC-insured branches from 3 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
First Iowa State Bank 2$190.2 million
South Ottumwa Savings Bank 2$75.3 million
Twin Cedars Bank 1$9.4 million

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When the next year’s lending figures are out for Monroe County, or a lender arrives or leaves.

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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.