Mortgage lenders in Polk County
13,859 mortgages were made in Polk County, Iowa, in 2025, by 382 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 16,979 decisions, 2,549 were denials — 15.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 1,906 | 6.490% | $165,000 | 8.4% |
| VERIDIAN CREDIT UNION | 1,683 | 6.500% | $90,000 | 12.0% |
| Community Choice Credit Union | 1,020 | 6.125% | $135,000 | 15.6% |
| Rocket Mortgage, LLC | 455 | 6.625% | $165,000 | 18.8% |
| Northwest Bank | 365 | 6.375% | $245,000 | 5.0% |
| Bankers Trust Company | 338 | 6.125% | $205,000 | 8.7% |
| Broker Solutions, Inc. | 322 | 6.625% | $200,000 | 9.2% |
| U.S. Bank National Association | 312 | 7.250% | $155,000 | 31.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 307 | 6.125% | $245,000 | 11.8% |
| Premier Credit Union | 272 | 7.000% | $105,000 | 0.0% |
| HOMESERVICES LENDING, LLC | 259 | 6.375% | $235,000 | 3.0% |
| GUARANTEED RATE, INC. | 257 | 6.475% | $195,000 | 10.3% |
| Luana Savings Bank | 237 | 6.125% | $255,000 | 3.7% |
| IOWA BANKERS MORTGAGE CORPORATION | 230 | 6.500% | $225,000 | 10.7% |
| DHI MORTGAGE COMPANY, LTD. | 229 | 5.375% | $315,000 | 13.5% |
| GREATER IOWA CREDIT UNION | 215 | 6.740% | $75,000 | 28.4% |
| GERSHMAN INVESTMENT CORP. | 205 | 6.375% | $265,000 | 7.2% |
| Central Bank | 194 | 6.375% | $235,000 | 3.9% |
| Barrington Bank & Trust Company, National Association | 160 | 6.625% | $215,000 | 14.7% |
| Fidelity Bank | 159 | Not published | $235,000 | 2.4% |
| GUILD MORTGAGE COMPANY | 140 | 6.625% | $235,000 | 3.2% |
| FINANCIAL PLUS CREDIT UNION | 136 | 5.750% | $65,000 | 6.8% |
| PENNYMAC LOAN SERVICES, LLC | 132 | 6.490% | $195,000 | 20.6% |
| Wells Fargo Bank, National Association | 127 | 6.375% | $205,000 | 18.0% |
| LOWER, LLC | 127 | 6.750% | $245,000 | 7.2% |
| Fairway Independent Mortgage Corporation | 126 | 6.750% | $255,000 | 0.8% |
| Mortgage Research Center, LLC | 117 | 6.250% | $275,000 | 25.8% |
| Bank Iowa | 117 | 6.850% | $215,000 | 9.8% |
| Empeople Credit Union | 114 | 6.490% | $175,000 | 19.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 97 | 6.625% | $185,000 | 23.6% |
| COMPASS MORTGAGE, INC. | 93 | 6.625% | $225,000 | 2.1% |
| LAND HOME FINANCIAL SERVICES, INC. | 92 | 6.625% | $215,000 | 8.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 86 | 6.688% | $225,000 | 3.3% |
| CMG MORTGAGE, INC. | 83 | 6.750% | $185,000 | 5.1% |
| Collins Community Credit Union | 82 | 7.000% | $90,000 | 27.8% |
| NEWREZ LLC | 80 | 6.375% | $195,000 | 35.7% |
| FREEDOM MORTGAGE CORPORATION | 80 | 6.250% | $235,000 | 15.4% |
| NATIONSTAR MORTGAGE LLC | 78 | 7.813% | $95,000 | 14.0% |
| Community State Bank | 76 | Not published | $180,000 | 3.8% |
| MARINE CREDIT UNION | 71 | 8.730% | $105,000 | 44.4% |
| PLAZA HOME MORTGAGE, INC. | 66 | 6.500% | $205,000 | 20.5% |
| Raccoon Valley Bank | 66 | Not published | $135,000 | 5.3% |
| BMO Bank National Association | 65 | 8.830% | $105,000 | 46.8% |
| JPMorgan Chase Bank, National Association | 63 | 6.375% | $235,000 | 4.5% |
| Bank of America, National Association | 62 | 6.245% | $105,000 | 36.7% |
| DUPACO COMMUNITY | 61 | 6.750% | $155,000 | 17.1% |
| Truist Bank | 61 | 6.375% | $315,000 | 3.2% |
| WEST GATE BANK | 60 | 6.375% | $265,000 | 7.6% |
| FRONTIER FINANCIAL, INC. | 60 | 6.625% | $210,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 58 | 6.875% | $250,000 | 3.3% |
| Loandepot.Com, LLC | 54 | 7.058% | $100,000 | 40.2% |
| FIRST CLASS COMMUNITY CREDIT UNION | 54 | 5.563% | $55,000 | 33.3% |
| MOVEMENT MORTGAGE, LLC | 50 | 6.750% | $175,000 | 7.9% |
| STOCKTON MORTGAGE CORPORATION | 49 | 6.625% | $215,000 | 3.9% |
| PEOPLES BANK | 48 | Not published | $235,000 | 7.6% |
| Coastal Community Bank | 44 | 10.740% | $55,000 | 1.6% |
| Journey Credit Union | 42 | 6.608% | $55,000 | 4.6% |
| Midwest Heritage Bank, FSB | 41 | Not published | $135,000 | 16.3% |
| SPRING EQ, LLC | 40 | 9.825% | $55,000 | 52.1% |
| FIGURE LENDING LLC | 40 | 8.713% | $55,000 | 25.6% |
| IOWA STATE BANK | 39 | Not published | $135,000 | 2.5% |
| CHARTER WEST BANK | 38 | 6.125% | $245,000 | 5.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 38 | 6.750% | $210,000 | 4.7% |
| Navy Federal Credit Union | 35 | 6.250% | $215,000 | 28.6% |
| BANK | 34 | 6.500% | $200,000 | 12.8% |
| First National Bank, Ames, Iowa | 33 | Not published | $245,000 | 8.3% |
| Farmers State Bank | 32 | 6.438% | $275,000 | 0.0% |
| 21st Mortgage Corporation | 31 | 12.120% | $55,000 | 77.6% |
| VISIONBANK OF IOWA | 30 | Not published | $140,000 | 8.6% |
| MidWestOne Bank | 30 | 6.375% | $185,000 | 0.0% |
| City State Bank | 29 | Not published | $205,000 | 5.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 28 | 6.500% | $195,000 | 35.6% |
| AmeriSave Mortgage Corporation | 27 | 8.625% | $65,000 | 80.3% |
| State Savings Bank | 26 | Not published | $165,000 | 3.6% |
| First Interstate Bank | 25 | 8.250% | $105,000 | 29.7% |
| Lendage, LLC | 25 | 10.750% | $45,000 | 13.3% |
| Availa Bank | 24 | Not published | $145,000 | 3.6% |
| Contract Exchange Corporation | 24 | 10.500% | $120,000 | 0.0% |
| First State Bank | 22 | Not published | $130,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 21 | 6.500% | $195,000 | 12.5% |
| Charter Bank | 21 | 7.500% | $185,000 | 0.0% |
| Serve Credit Union | 20 | 7.500% | $55,000 | 0.0% |
| Home State Bank | 20 | Not published | $235,000 | 4.8% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 19 | 5.875% | $255,000 | 0.0% |
| Kiavi Funding, Inc. | 18 | 10.950% | $145,000 | 14.3% |
| Earlham Savings Bank | 18 | Not published | $235,000 | 20.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 8.124% | $85,000 | 19.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 6.250% | $175,000 | 45.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $255,000 | 14.3% |
| South Story Bank & Trust | 17 | Not published | $325,000 | 5.6% |
| NEW DAY FINANCIAL, LLC | 16 | 6.990% | $205,000 | 61.0% |
| Plains Commerce Bank | 16 | 6.625% | $210,000 | 5.9% |
| COMMUNITY 1ST CREDIT UNION | 16 | 6.375% | $130,000 | 19.1% |
| PLANET HOME LENDING, LLC | 15 | 5.500% | $315,000 | 6.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 14 | 5.870% | $285,000 | 23.5% |
| PNC Bank, National Association | 14 | 6.500% | $105,000 | 33.3% |
| Click n' Close, Inc. | 13 | 7.000% | $135,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 13 | 6.750% | $295,000 | 0.0% |
| Hills Bank and Trust Company | 13 | 6.375% | $235,000 | 0.0% |
| Regions Bank | 12 | 4.990% | $65,000 | 46.4% |
| USAA Federal Savings Bank | 12 | 6.500% | $195,000 | 23.5% |
| Great Southern Bank | 12 | 6.745% | $115,000 | 25.0% |
| Colorado Federal Savings Bank | 12 | 6.250% | $305,000 | 0.0% |
| 2549008VBYJ5IEXJDR42 | 12 | Not published | $305,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.750% | $225,000 | 0.0% |
| The Central Trust Bank | 11 | 6.500% | $255,000 | 8.3% |
| CENTRAL STATE BANK | 11 | Not published | $155,000 | 0.0% |
| KIND LENDING, LLC | 10 | 6.625% | $265,000 | 16.7% |
| UNION STATE BANK | 10 | Not published | $160,000 | 9.1% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 10 | 6.125% | $340,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 52.6% |
| ENDEAVOR CAPITAL, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Lincoln Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 62.5% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MICHIGAN MUTUAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| West Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Two Rivers Bank & Trust | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GREYSTONE SERVICING COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBERS1st Community Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Savings Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CEDAR FALLS COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Washington State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 61.1% |
| Zippy Loans, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RUHL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GNB BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Grinnell State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 71.4% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| First National Bank of Omaha | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ohnward Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 81.1% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Iowa | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Keystone Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LINN AREA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Du Trac Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Libertyville Bank & Trust Company, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | 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 182 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Polk County
132 FDIC-insured branches from 39 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- MidWestOne Bank, 7204 University Ave, Windsor Heights
- Two Rivers Bank & Trust, 11881 Hickman Road, Urbandale
- Two Rivers Bank & Trust, 3025 Ingersoll Ave, Des Moines
- Two Rivers Bank & Trust, 650 E 1st St, Ankeny
- Wells Fargo Bank, National Association, 115 7th Street, Des Moines
Get told when this changes
When the next year’s lending figures are out for Polk County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.