Home purchase lenders in Polk County
7,639 home purchase mortgages were made in Polk County, Iowa, in 2025, by 293 lenders. The median rate their borrowers got was 6.375% on a median loan of $235,000. Of 8,475 decisions, 627 were denials — 7.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 1,146 | 6.375% | $215,000 | 5.0% |
| VERIDIAN CREDIT UNION | 561 | 6.250% | $215,000 | 2.6% |
| Community Choice Credit Union | 411 | 6.250% | $255,000 | 1.4% |
| Broker Solutions, Inc. | 276 | 6.625% | $195,000 | 4.2% |
| DHI MORTGAGE COMPANY, LTD. | 229 | 5.375% | $315,000 | 13.5% |
| Northwest Bank | 227 | 6.500% | $265,000 | 1.3% |
| HOMESERVICES LENDING, LLC | 226 | 6.375% | $235,000 | 1.7% |
| Bankers Trust Company | 221 | 5.750% | $235,000 | 3.5% |
| GUARANTEED RATE, INC. | 211 | 6.500% | $195,000 | 7.8% |
| GERSHMAN INVESTMENT CORP. | 201 | 6.375% | $265,000 | 5.2% |
| IOWA BANKERS MORTGAGE CORPORATION | 190 | 6.500% | $240,000 | 10.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 158 | 6.500% | $235,000 | 3.6% |
| Luana Savings Bank | 144 | 6.125% | $255,000 | 1.4% |
| Central Bank | 143 | 6.250% | $255,000 | 1.4% |
| Barrington Bank & Trust Company, National Association | 136 | 6.625% | $210,000 | 13.2% |
| Fidelity Bank | 129 | Not published | $235,000 | 2.3% |
| Rocket Mortgage, LLC | 129 | 6.500% | $255,000 | 9.2% |
| U.S. Bank National Association | 128 | 6.500% | $225,000 | 13.3% |
| Fairway Independent Mortgage Corporation | 118 | 6.750% | $255,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 118 | 6.625% | $225,000 | 3.1% |
| LOWER, LLC | 109 | 6.750% | $245,000 | 3.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 94 | 6.625% | $185,000 | 21.0% |
| Mortgage Research Center, LLC | 93 | 6.375% | $275,000 | 4.1% |
| COMPASS MORTGAGE, INC. | 87 | 6.625% | $225,000 | 1.1% |
| Wells Fargo Bank, National Association | 86 | 6.375% | $240,000 | 11.2% |
| LAND HOME FINANCIAL SERVICES, INC. | 83 | 6.625% | $205,000 | 6.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 74 | 6.750% | $225,000 | 1.3% |
| CMG MORTGAGE, INC. | 69 | 6.750% | $185,000 | 3.9% |
| Bank Iowa | 67 | 6.625% | $265,000 | 2.9% |
| PLAZA HOME MORTGAGE, INC. | 66 | 6.500% | $205,000 | 16.5% |
| FRONTIER FINANCIAL, INC. | 59 | 6.625% | $195,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 54 | 6.933% | $250,000 | 1.8% |
| Empeople Credit Union | 52 | 5.740% | $295,000 | 5.5% |
| WEST GATE BANK | 51 | 6.375% | $265,000 | 3.8% |
| Truist Bank | 49 | 6.375% | $325,000 | 2.0% |
| MOVEMENT MORTGAGE, LLC | 45 | 6.750% | $165,000 | 9.1% |
| JPMorgan Chase Bank, National Association | 45 | 6.375% | $265,000 | 2.2% |
| Raccoon Valley Bank | 44 | Not published | $155,000 | 8.0% |
| NEWREZ LLC | 43 | 6.250% | $225,000 | 11.8% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.375% | $265,000 | 10.9% |
| STOCKTON MORTGAGE CORPORATION | 41 | 6.625% | $205,000 | 2.4% |
| PEOPLES BANK | 38 | Not published | $235,000 | 2.5% |
| GREATER IOWA CREDIT UNION | 38 | 6.250% | $255,000 | 2.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 38 | 6.750% | $210,000 | 4.7% |
| Community State Bank | 37 | Not published | $305,000 | 2.6% |
| BANK | 34 | 6.500% | $200,000 | 12.8% |
| Premier Credit Union | 31 | 6.500% | $215,000 | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 31 | 5.750% | $185,000 | 0.0% |
| 21st Mortgage Corporation | 30 | 12.120% | $55,000 | 77.9% |
| CHARTER WEST BANK | 30 | 6.125% | $250,000 | 3.2% |
| Collins Community Credit Union | 29 | 6.760% | $135,000 | 19.4% |
| Midwest Heritage Bank, FSB | 22 | Not published | $235,000 | 18.5% |
| DUPACO COMMUNITY | 22 | 6.000% | $250,000 | 0.0% |
| First National Bank, Ames, Iowa | 21 | Not published | $415,000 | 4.6% |
| ZILLOW HOME LOANS, LLC | 21 | 6.500% | $195,000 | 12.5% |
| Farmers State Bank | 21 | 6.375% | $295,000 | 0.0% |
| Contract Exchange Corporation | 20 | 10.500% | $125,000 | 0.0% |
| MARINE CREDIT UNION | 19 | 8.630% | $115,000 | 21.9% |
| State Savings Bank | 19 | Not published | $155,000 | 5.0% |
| Navy Federal Credit Union | 18 | 6.000% | $300,000 | 14.3% |
| Kiavi Funding, Inc. | 18 | 10.950% | $145,000 | 14.3% |
| City State Bank | 17 | Not published | $285,000 | 4.4% |
| IOWA STATE BANK | 17 | Not published | $205,000 | 0.0% |
| Plains Commerce Bank | 16 | 6.625% | $210,000 | 5.9% |
| South Story Bank & Trust | 14 | Not published | $315,000 | 0.0% |
| Availa Bank | 13 | Not published | $175,000 | 5.9% |
| Bank of America, National Association | 13 | 5.875% | $195,000 | 18.8% |
| Click n' Close, Inc. | 13 | 7.000% | $135,000 | 0.0% |
| First State Bank | 13 | Not published | $105,000 | 0.0% |
| Charter Bank | 12 | 7.500% | $205,000 | 0.0% |
| Home State Bank | 12 | Not published | $350,000 | 7.7% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.750% | $225,000 | 0.0% |
| VISIONBANK OF IOWA | 11 | Not published | $265,000 | 0.0% |
| Colorado Federal Savings Bank | 11 | 6.375% | $295,000 | 0.0% |
| Hills Bank and Trust Company | 11 | 6.375% | $235,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 10 | 6.750% | $285,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 10 | 6.125% | $340,000 | 0.0% |
| MidWestOne Bank | 10 | 6.813% | $220,000 | 0.0% |
| Journey Credit Union | 10 | 6.375% | $180,000 | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 10 | 6.313% | $330,000 | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| The Central Trust Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Interstate Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Lincoln Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Earlham Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY 1ST CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL STATE BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Washington State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GREYSTONE SERVICING COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 2549008VBYJ5IEXJDR42 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of Omaha | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Two Rivers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RUHL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| West Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Exchange State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CLASS COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 80.6% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GNB BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CEDAR FALLS COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ohnward Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINN AREA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA TRUST & SAVINGS BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Libertyville Bank & Trust Company, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Grinnell State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION STATE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fortress Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBI Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Shelby County State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIOUXLAND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Iowa | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hinsdale Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cedar Rapids Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midstates Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F & M Community Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Keystone Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OPTION BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Du Trac Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| R.I.A. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MANUFACTURERS BANK & TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CUSB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Westside State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bridge Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 93 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.