The Shelby County State Bank
The Shelby County State Bank received 181 applications in 2025 and made 164 mortgages, in 23 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 169 decisions, 5 were denials — 3.0%.
| Legal Entity Identifier | 549300CRGEK5FKX2UP02 |
|---|---|
| Applications received | 181 |
| Mortgages made | 164 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Shelby County State Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 73 | Not published | $115,000 | 4.0% |
| Refinancing | 33 | Not published | $55,000 | 2.9% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 56 | Not published | $35,000 | 1.8% |
Where The Shelby County State Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shelby County, IA | 69 | Not published | 4.2% |
| Ida County, IA | 31 | Not published | 3.1% |
| Pottawattamie County, IA | 15 | Not published | 0.0% |
| Sac County, IA | 7 | Under 10 loans | 0.0% |
| Woodbury County, IA | 7 | Under 10 loans | 0.0% |
| Harrison County, IA | 6 | Under 10 loans | 0.0% |
| Audubon County, IA | 5 | Under 10 loans | 0.0% |
| Monona County, IA | 5 | Under 10 loans | 16.7% |
| Cass County, IA | 4 | Under 10 loans | 0.0% |
| Carroll County, IA | 2 | Under 10 loans | 0.0% |
| Polk County, IA | 2 | Under 10 loans | 0.0% |
| Douglas County, NE | 2 | Under 10 loans | 0.0% |
| Crawford County, IA | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Guthrie County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, IA | 1 | Under 10 loans | 0.0% |
| Mills County, IA | 1 | Under 10 loans | 0.0% |
| O'Brien County, IA | 1 | Under 10 loans | 0.0% |
| Story County, IA | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Stone County, MO | 0 | Under 10 loans | Not published |
| Union County, SD | 0 | Under 10 loans | Not published |
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When The Shelby County State Bank’s figures are published for the next year, or restated.
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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.