Refinancing lenders in Scott County
728 refinancing mortgages were made in Scott County, Iowa, in 2025, by 125 lenders. The median rate their borrowers got was 6.250% on a median loan of $175,000. Of 882 decisions, 101 were denials — 11.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 78 | 6.490% | $195,000 | 5.6% |
| ASCENTRA Credit Union | 73 | 6.250% | $105,000 | 12.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 69 | 6.250% | $95,000 | 6.6% |
| Empeople Credit Union | 52 | 6.490% | $125,000 | 13.1% |
| RUHL MORTGAGE, LLC | 43 | 6.000% | $255,000 | 0.0% |
| LOWER, LLC | 41 | 6.624% | $325,000 | 2.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 34 | 5.625% | $305,000 | 0.0% |
| CBI Bank & Trust | 26 | 7.133% | $75,000 | 13.3% |
| Blue Grass Savings Bank | 22 | Not published | $75,000 | 0.0% |
| Rocket Mortgage, LLC | 21 | 5.750% | $245,000 | 25.8% |
| First Trust and Savings Bank | 20 | Not published | $90,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 17 | 6.250% | $265,000 | 7.4% |
| BANKORION | 15 | Not published | $115,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.188% | $315,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 7.500% | $105,000 | 0.0% |
| Quad City Bank and Trust Company | 13 | Not published | $385,000 | 7.1% |
| First Central State Bank | 12 | Not published | $310,000 | 29.4% |
| Old National Bank | 10 | 5.975% | $65,000 | 26.7% |
| American Bank and Trust Company, National Association | 10 | 6.390% | $235,000 | 16.7% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| R.I.A. Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Du Trac Community Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Blackhawk Bank & Trust | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Great Southern Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VERIDIAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sauk Valley Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank Illinois | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 71.4% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TBK BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Choice Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 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% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINN AREA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESERVICES LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luana Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ohnward Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emprise Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Flanagan State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Collins Community Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Farm Credit Mid-America | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREYSTONE SERVICING COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Two Rivers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE FAMILY | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fortress Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third 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.