Refinancing lenders in Polk County
1,959 refinancing mortgages were made in Polk County, Iowa, in 2025, by 195 lenders. The median rate their borrowers got was 6.125% on a median loan of $195,000. Of 2,413 decisions, 334 were denials — 13.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 275 | 6.375% | $195,000 | 9.2% |
| VERIDIAN CREDIT UNION | 273 | 6.740% | $95,000 | 7.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 107 | 5.625% | $295,000 | 15.8% |
| Community Choice Credit Union | 91 | 6.000% | $195,000 | 9.9% |
| Luana Savings Bank | 75 | 6.000% | $255,000 | 3.9% |
| Rocket Mortgage, LLC | 69 | 5.990% | $225,000 | 23.7% |
| Northwest Bank | 66 | 6.125% | $250,000 | 6.6% |
| Bankers Trust Company | 50 | 7.500% | $105,000 | 11.7% |
| FREEDOM MORTGAGE CORPORATION | 43 | 6.250% | $275,000 | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 5.990% | $245,000 | 16.2% |
| U.S. Bank National Association | 31 | 6.625% | $215,000 | 15.4% |
| Community State Bank | 29 | Not published | $65,000 | 3.3% |
| HOMESERVICES LENDING, LLC | 28 | 5.875% | $305,000 | 9.7% |
| GREATER IOWA CREDIT UNION | 27 | 5.990% | $145,000 | 29.0% |
| Fidelity Bank | 26 | Not published | $285,000 | 3.5% |
| Central Bank | 26 | 7.250% | $215,000 | 3.7% |
| GUARANTEED RATE, INC. | 24 | 6.020% | $260,000 | 11.1% |
| Bank Iowa | 23 | 6.800% | $295,000 | 11.5% |
| Raccoon Valley Bank | 22 | Not published | $100,000 | 0.0% |
| Bank of America, National Association | 21 | 6.240% | $105,000 | 12.5% |
| Broker Solutions, Inc. | 19 | 6.625% | $275,000 | 17.4% |
| Mortgage Research Center, LLC | 19 | 5.750% | $305,000 | 38.7% |
| Empeople Credit Union | 19 | 6.490% | $145,000 | 9.5% |
| IOWA BANKERS MORTGAGE CORPORATION | 19 | 6.000% | $255,000 | 9.5% |
| Collins Community Credit Union | 16 | 7.250% | $125,000 | 40.7% |
| Barrington Bank & Trust Company, National Association | 16 | 6.058% | $245,000 | 11.1% |
| GUILD MORTGAGE COMPANY | 14 | 6.438% | $310,000 | 0.0% |
| VISIONBANK OF IOWA | 14 | Not published | $90,000 | 12.5% |
| NEWREZ LLC | 13 | 5.750% | $265,000 | 36.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 5.750% | $295,000 | 11.5% |
| LOWER, LLC | 13 | 6.250% | $285,000 | 18.8% |
| MidWestOne Bank | 12 | 6.313% | $175,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 5.750% | $275,000 | 7.7% |
| Availa Bank | 11 | Not published | $145,000 | 0.0% |
| First National Bank, Ames, Iowa | 11 | Not published | $165,000 | 8.3% |
| IOWA STATE BANK | 11 | Not published | $105,000 | 8.3% |
| FINANCIAL PLUS CREDIT UNION | 11 | 6.000% | $45,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.313% | $250,000 | 15.4% |
| PEOPLES BANK | 10 | Not published | $190,000 | 23.1% |
| Earlham Savings Bank | 10 | Not published | $195,000 | 15.4% |
| JPMorgan Chase Bank, National Association | 10 | 6.250% | $210,000 | 9.1% |
| PLANET HOME LENDING, LLC | 10 | 5.500% | $320,000 | 0.0% |
| City State Bank | 10 | Not published | $95,000 | 0.0% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| COMMUNITY 1ST CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Midwest Heritage Bank, FSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| First State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION STATE BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Premier Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| State Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Journey Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Charter Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Great Southern Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTER WEST BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST CLASS COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Savings Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL STATE BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Serve Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 64.7% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 55.6% |
| DUPACO COMMUNITY | 3 | Under 10 loans | Under 10 loans | 42.9% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 71.4% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Contract Exchange Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GNB BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| South Story Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS1st Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leighton State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| West Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Two Rivers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Iowa | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Keystone Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Farmers State Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUHL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHPOINT FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Reliance State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549008VBYJ5IEXJDR42 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST SECURITY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Westside State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Security National Bank of Sioux City, Iowa | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Access Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kerndt Brothers Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hills Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hinsdale Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cedar Rapids Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 83.3% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lincoln Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Schaumburg Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Old Plank Trail Community Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITYAMERICA CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Lake Forest Bank & Trust Company, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Village Bank and Trust, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITIZENS EQUITY FIRST | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| St. Charles Bank & Trust Company, 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.