Home purchase lenders in Story County
985 home purchase mortgages were made in Story County, Iowa, in 2025, by 143 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 1,096 decisions, 85 were denials — 7.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| IOWA BANKERS MORTGAGE CORPORATION | 91 | 6.500% | $225,000 | 13.0% |
| GREENSTATE Credit Union | 65 | 6.500% | $155,000 | 14.5% |
| GUILD MORTGAGE COMPANY | 65 | 6.625% | $255,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 51 | 6.500% | $215,000 | 0.0% |
| Bankers Trust Company | 46 | 5.750% | $275,000 | 2.1% |
| Northwest Bank | 43 | 6.500% | $255,000 | 2.3% |
| GREATER IOWA CREDIT UNION | 38 | 5.990% | $275,000 | 0.0% |
| First National Bank, Ames, Iowa | 36 | Not published | $305,000 | 9.5% |
| Wells Fargo Bank, National Association | 35 | 6.500% | $305,000 | 2.7% |
| U.S. Bank National Association | 29 | 6.625% | $265,000 | 6.5% |
| VERIDIAN CREDIT UNION | 29 | 6.250% | $225,000 | 3.2% |
| Broker Solutions, Inc. | 27 | 6.625% | $205,000 | 0.0% |
| WEST GATE BANK | 25 | 6.500% | $265,000 | 3.9% |
| Community Choice Credit Union | 23 | 6.250% | $245,000 | 8.0% |
| South Story Bank & Trust | 21 | Not published | $255,000 | 0.0% |
| HOMESERVICES LENDING, LLC | 15 | 6.500% | $205,000 | 0.0% |
| Exchange State Bank | 15 | Not published | $145,000 | 0.0% |
| Mortgage Research Center, LLC | 14 | 6.250% | $215,000 | 6.7% |
| CENTRAL STATE BANK | 13 | Not published | $75,000 | 29.2% |
| Luana Savings Bank | 12 | 6.125% | $280,000 | 0.0% |
| Rocket Mortgage, LLC | 11 | 5.990% | $185,000 | 21.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 11 | 6.750% | $225,000 | 0.0% |
| GUARANTEED RATE, INC. | 10 | 6.188% | $215,000 | 9.1% |
| Fairway Independent Mortgage Corporation | 10 | 6.875% | $260,000 | 0.0% |
| Availa Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 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% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Reliance State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GNB BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY Credit Union | 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% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS1st Community Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 81.3% |
| VISIONBANK OF IOWA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DUPACO COMMUNITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Empeople Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CEDAR FALLS COMMUNITY CREDIT UNION | 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% |
| LOWER, LLC | 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% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Iowa | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Midwest Heritage Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City State Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHARTER WEST BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Iowa | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankIowa of Cedar Rapids | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Security National Bank of Sioux City, Iowa | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Green Belt Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Plains Commerce Bank | 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% |
| 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% |
| Collins Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community 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% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 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% |
| Tradition Mortgage, LLC | 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% |
| 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% |
| First 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% |
| AIM Credit Union | 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% |
| 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% |
| 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% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 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% |
| 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% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Raccoon Valley Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BLACK HILLS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| 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 |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.