Refinancing lenders in Warren County
344 refinancing mortgages were made in Warren County, Iowa, in 2025, by 103 lenders. The median rate their borrowers got was 6.125% on a median loan of $255,000. Of 421 decisions, 64 were denials — 15.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COMMUNITY 1ST CREDIT UNION | 37 | 1.000% | $55,000 | 22.9% |
| GREENSTATE Credit Union | 34 | 6.125% | $305,000 | 14.3% |
| Community Choice Credit Union | 34 | 6.250% | $270,000 | 0.0% |
| VERIDIAN CREDIT UNION | 23 | 6.490% | $105,000 | 14.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 5.625% | $385,000 | 22.7% |
| Rocket Mortgage, LLC | 14 | 5.990% | $295,000 | 21.1% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.250% | $315,000 | 12.5% |
| Peoples Savings Bank | 11 | Not published | $135,000 | 8.3% |
| IOWA BANKERS MORTGAGE CORPORATION | 10 | 6.125% | $300,000 | 16.7% |
| City State Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Northwest Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Luana Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers Trust Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GREATER IOWA CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Fidelity Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Journey Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lincoln Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMESERVICES LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA STATE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Iowa | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Serve Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VISIONBANK OF IOWA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Earlham Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grinnell State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of the Lakes, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank, Ames, Iowa | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Two Rivers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lincoln FSB of Nebraska | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PEOPLES BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LAND HOME FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CHARTER WEST BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| West Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| COMPEER FINANCIAL, FLCA | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Merchants Bank, National Association | 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.