Iowa · HMDA 2025
Mortgage lenders in Clayton County, IA
77 lenders reported 493 home-loan applications in Clayton County in 2025. 331 closed as loans ($48.6M), 68 were denied — a 16.3% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 31% of applications, led by Fidelity Bank & Trust. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 493
- Loans originated
- 331
- Purchase / refinance
- 181 / 77
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clayton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Fidelity Bank & Trust 55 out of 100, Moderate | 63 | 12.8% | 4.5% |
| 2 | DUPACO COMMUNITY | 51 | 10.3% | — |
| 3 | Luana Savings Bank 70 out of 100, Strong | 41 | 8.3% | 2.8% |
| 4 | Community Savings Bank 65 out of 100, Moderate | 40 | 8.1% | 16.2% |
| 5 | Peoples State Bank 80 out of 100, Strong | 32 | 6.5% | 6.2% |
| 6 | MARINE CREDIT UNION 53 out of 100, Below average | 20 | 4.1% | 44.9% |
| 7 | GREENSTATE Credit Union 50 out of 100, Below average | 17 | 3.4% | 10.1% |
| 8 | Rocket Mortgage, LLC | 15 | 3.0% | — |
| 9 | Broker Solutions, Inc. | 14 | 2.8% | — |
| 10 | IOWA BANKERS MORTGAGE CORPORATION | 14 | 2.8% | — |
| 11 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 14 | 2.8% | 11.2% |
| 12 | Central State Bank 76 out of 100, Strong | 12 | 2.4% | 0.0% |
| 13 | Mortgage Research Center, LLC | 11 | 2.2% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 10 | 2.0% | — |
| 15 | GUILD MORTGAGE COMPANY | 7 | 1.4% | — |
| 16 | Citizens State Bank 66 out of 100, Moderate | 7 | 1.4% | 4.9% |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.2% | — |
| 18 | Empeople Credit Union 58 out of 100, Moderate | 6 | 1.2% | 25.7% |
| 19 | Flanagan State Bank 67 out of 100, Moderate | 6 | 1.2% | 14.2% |
| 20 | MidWestOne Bank | 5 | 1.0% | — |
| 21 | Waterstone Mortgage Corporation | 5 | 1.0% | — |
| 22 | NEWREZ LLC | 4 | 0.8% | — |
| 23 | PLANET HOME LENDING, LLC | 4 | 0.8% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 4 | 0.8% | — |
| 25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | 0.8% | — |
| 26 | Ohnward Bank & Trust | 4 | 0.8% | — |
| 27 | AmeriSave Mortgage Corporation | 3 | 0.6% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.6% | 44.7% |
| 29 | Collins Community Credit Union 31 out of 100, Low | 3 | 0.6% | 19.3% |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.6% | — |
| 31 | NEW DAY FINANCIAL, LLC | 3 | 0.6% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.4% | 32.9% |
| 33 | 21st Mortgage Corporation | 2 | 0.4% | — |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.4% | 22.2% |
| 35 | GUARANTEED RATE, INC. | 2 | 0.4% | — |
| 36 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.4% | — |
| 37 | FIGURE LENDING LLC | 2 | 0.4% | — |
| 38 | Kerndt Brothers Savings Bank 79 out of 100, Strong | 2 | 0.4% | 22.4% |
| 39 | Farmers & Merchants Savings Bank 61 out of 100, Moderate | 2 | 0.4% | 5.3% |
| 40 | ALTRA Federal Credit Union 78 out of 100, Strong | 2 | 0.4% | 9.3% |
Top 40 of 77 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