Iowa · HMDA 2025
Mortgage lenders in Clay County, IA
69 lenders reported 443 home-loan applications in Clay County in 2025. 275 closed as loans ($38.3M), 56 were denied — a 16.6% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 55% of applications, led by Northwest Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 443
- Loans originated
- 275
- Purchase / refinance
- 151 / 58
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Northwest Bank 70 out of 100, Strong | 184 | 41.5% | 6.0% |
| 2 | IOWA BANKERS MORTGAGE CORPORATION | 41 | 9.3% | — |
| 3 | Rocket Mortgage, LLC | 18 | 4.1% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 16 | 3.6% | 39.5% |
| 5 | Flanagan State Bank 67 out of 100, Moderate | 16 | 3.6% | 14.2% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 12 | 2.7% | — |
| 7 | FIRST | 12 | 2.7% | — |
| 8 | Central Bank 65 out of 100, Moderate | 11 | 2.5% | 5.5% |
| 9 | NEWREZ LLC | 7 | 1.6% | — |
| 10 | Mortgage Research Center, LLC | 7 | 1.6% | — |
| 11 | PLANET HOME LENDING, LLC | 7 | 1.6% | — |
| 12 | NATIONSTAR MORTGAGE LLC | 7 | 1.6% | — |
| 13 | GUARANTEED RATE, INC. | 6 | 1.4% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.9% | — |
| 15 | Broker Solutions, Inc. | 4 | 0.9% | — |
| 16 | AmeriSave Mortgage Corporation | 4 | 0.9% | — |
| 17 | FIRST COLONY MORTGAGE CORPORATION | 4 | 0.9% | — |
| 18 | Bankers' Bank 69 out of 100, Moderate | 4 | 0.9% | 13.0% |
| 19 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | 0.9% | — |
| 20 | NEW DAY FINANCIAL, LLC | 4 | 0.9% | — |
| 21 | FIRST COMMUNITY MORTGAGE, INC. | 4 | 0.9% | — |
| 22 | Loandepot.Com, LLC | 3 | 0.7% | — |
| 23 | AMERICAN FINANCIAL NETWORK, INC. | 3 | 0.7% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 3 | 0.7% | — |
| 25 | Equity Prime Mortgage LLC | 3 | 0.7% | — |
| 26 | GREENSTATE Credit Union 50 out of 100, Below average | 3 | 0.7% | 10.1% |
| 27 | SPRING EQ, LLC | 2 | 0.5% | — |
| 28 | MEMBERS1st Community Credit Union 59 out of 100, Moderate | 2 | 0.5% | 8.4% |
| 29 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | 0.5% | — |
| 30 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.5% | — |
| 31 | American State Bank 66 out of 100, Moderate | 2 | 0.5% | 4.7% |
| 32 | V.I.P. MORTGAGE, INC. | 2 | 0.5% | — |
| 33 | CONSUMER REAL ESTATE FINANCE CO. | 2 | 0.5% | — |
| 34 | TOWNE MORTGAGE COMPANY | 2 | 0.5% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 2 | 0.5% | 3.0% |
| 36 | CMG MORTGAGE, INC. | 1 | 0.2% | — |
| 37 | 21st Mortgage Corporation | 1 | 0.2% | — |
| 38 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.2% | 14.1% |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.2% | 22.2% |
| 40 | GUILD MORTGAGE COMPANY | 1 | 0.2% | — |
Top 40 of 69 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Iowa
- Polk County 23,361 apps
- Linn County 11,026 apps
- Scott County 7,296 apps
- Johnson County 6,892 apps
- Dallas County 6,253 apps
- Black Hawk County 5,768 apps
- Pottawattamie County 4,291 apps
- Dubuque County 3,943 apps
- Woodbury County 3,291 apps
- Warren County 3,108 apps
- Story County 2,581 apps
- Jasper County 1,713 apps