Mortgage lenders in Story County
1,680 mortgages were made in Story County, Iowa, in 2025, by 196 lenders. The median rate their borrowers got was 6.500% on a median loan of $195,000. Of 2,003 decisions, 254 were denials — 12.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREATER IOWA CREDIT UNION | 126 | 6.250% | $105,000 | 9.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 118 | 6.375% | $225,000 | 11.6% |
| GREENSTATE Credit Union | 96 | 6.625% | $120,000 | 13.2% |
| VERIDIAN CREDIT UNION | 85 | 6.490% | $95,000 | 11.2% |
| Community Choice Credit Union | 74 | 6.125% | $125,000 | 22.1% |
| GUILD MORTGAGE COMPANY | 73 | 6.625% | $255,000 | 0.0% |
| Northwest Bank | 63 | 6.250% | $255,000 | 5.9% |
| Bankers Trust Company | 59 | 5.875% | $245,000 | 6.4% |
| First National Bank, Ames, Iowa | 58 | Not published | $270,000 | 11.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 57 | 6.500% | $215,000 | 0.0% |
| U.S. Bank National Association | 55 | 6.875% | $185,000 | 21.1% |
| Rocket Mortgage, LLC | 43 | 6.500% | $145,000 | 22.8% |
| Wells Fargo Bank, National Association | 39 | 6.500% | $285,000 | 4.8% |
| RIVER VALLEY Credit Union | 34 | Not published | $65,000 | 2.8% |
| WEST GATE BANK | 34 | 6.375% | $285,000 | 2.9% |
| Broker Solutions, Inc. | 30 | 6.563% | $210,000 | 0.0% |
| Premier Credit Union | 30 | 7.000% | $110,000 | 0.0% |
| South Story Bank & Trust | 27 | Not published | $245,000 | 0.0% |
| Exchange State Bank | 23 | Not published | $135,000 | 0.0% |
| MEMBERS1st Community Credit Union | 21 | 7.000% | $85,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 6.049% | $260,000 | 16.7% |
| Luana Savings Bank | 20 | 6.125% | $325,000 | 0.0% |
| Mortgage Research Center, LLC | 18 | 6.058% | $240,000 | 18.2% |
| First Interstate Bank | 17 | 8.750% | $35,000 | 5.6% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.312% | $215,000 | 25.0% |
| VISIONBANK OF IOWA | 16 | Not published | $105,000 | 11.1% |
| HOMESERVICES LENDING, LLC | 16 | 6.313% | $210,000 | 0.0% |
| GUARANTEED RATE, INC. | 15 | 6.125% | $165,000 | 15.8% |
| CENTRAL STATE BANK | 14 | Not published | $70,000 | 30.8% |
| Availa Bank | 14 | Not published | $170,000 | 6.7% |
| FIGURE LENDING LLC | 12 | 8.200% | $60,000 | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 12 | 6.750% | $220,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 10 | 6.875% | $260,000 | 0.0% |
| Reliance State Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GERSHMAN INVESTMENT CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Farmers State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GNB BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| DUPACO COMMUNITY | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Community State Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Fidelity Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 75.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 61.5% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Collins Community Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| City State Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 82.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Iowa | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank Iowa | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Security National Bank of Sioux City, Iowa | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CEDAR FALLS COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Green Belt Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| BANKWEST, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Midwest Heritage Bank, FSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTER WEST BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankIowa of Cedar Rapids | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AIM Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 42.9% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 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% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Keystone Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Contract Exchange Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Westside State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Earlham Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Shelby County State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINN AREA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUHL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliabank Dakota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Washington State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rolling Hills Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Core Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hills Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MARINE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Servion, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Raccoon Valley Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Capitol Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CLASS COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| BLACK HILLS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| ASCENTRA Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Genisys Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of Omaha | 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 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 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.
Bank branches in Story County
37 FDIC-insured branches from 21 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| South Story Bank & Trust | 4 | $346.8 million |
| VISIONBANK OF IOWA | 4 | $184.4 million |
| First National Bank, Ames, Iowa | 3 | $674.3 million |
| First Interstate Bank | 3 | $136.7 million |
| U.S. Bank National Association | 2 | $353.0 million |
| Availa Bank | 2 | $328.9 million |
| Exchange State Bank | 2 | $67.6 million |
| GNB Bank | 2 | $36.9 million |
| Security State Bank | 2 | $29.5 million |
| Fidelity Bank | 2 | $27.5 million |
| Wells Fargo Bank, National Association | 1 | $267.0 million |
| State Bank & Trust Co. | 1 | $174.3 million |
| Bankers Trust Company | 1 | $168.1 million |
| Reliance State Bank | 1 | $100.9 million |
| Central State Bank | 1 | $80.7 million |
| Northwest Bank | 1 | $38.1 million |
| BMO Bank National Association | 1 | $27.3 million |
| Maxwell State Bank | 1 | $27.0 million |
| Midwest Heritage Bank, FSB | 1 | $19.7 million |
| JPMorgan Chase Bank, National Association | 1 | $9.3 million |
| TS Bank | 1 | $7.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Great Southern Bank, 402 Lincoln Way, Ames
Get told when this changes
When the next year’s lending figures are out for Story 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.