Iowa · HMDA 2025
Mortgage lenders in Emmet County, IA
68 lenders reported 228 home-loan applications in Emmet County in 2025. 129 closed as loans ($16.9M), 39 were denied — a 22.7% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 33% of applications, led by Northwest Bank. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 228
- Loans originated
- 129
- Purchase / refinance
- 73 / 39
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Emmet County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Northwest Bank 70 out of 100, Strong | 48 | 21.1% | 6.0% |
| 2 | Rocket Mortgage, LLC | 18 | 7.9% | — |
| 3 | IOWA BANKERS MORTGAGE CORPORATION | 9 | 3.9% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 8 | 3.5% | — |
| 5 | V.I.P. MORTGAGE, INC. | 8 | 3.5% | — |
| 6 | Central Bank 65 out of 100, Moderate | 8 | 3.5% | 5.5% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 3.1% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 3.1% | 39.5% |
| 9 | NEW DAY FINANCIAL, LLC | 6 | 2.6% | — |
| 10 | AmeriSave Mortgage Corporation | 5 | 2.2% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 5 | 2.2% | — |
| 12 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 1.8% | 22.2% |
| 13 | Mortgage Research Center, LLC | 4 | 1.8% | — |
| 14 | Reliabank Dakota 71 out of 100, Strong | 4 | 1.8% | 7.4% |
| 15 | KIND LENDING, LLC | 4 | 1.8% | — |
| 16 | Bank Midwest 69 out of 100, Moderate | 4 | 1.8% | 5.3% |
| 17 | Flanagan State Bank 67 out of 100, Moderate | 3 | 1.3% | 14.2% |
| 18 | PLANET HOME LENDING, LLC | 3 | 1.3% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 3 | 1.3% | — |
| 20 | Plains Commerce Bank 59 out of 100, Moderate | 3 | 1.3% | 10.0% |
| 21 | GREENSTATE Credit Union 50 out of 100, Below average | 3 | 1.3% | 10.1% |
| 22 | Coastal Community Bank 35 out of 100, Low | 3 | 1.3% | 3.0% |
| 23 | NEWREZ LLC | 2 | 0.9% | — |
| 24 | Loandepot.Com, LLC | 2 | 0.9% | — |
| 25 | Broker Solutions, Inc. | 2 | 0.9% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.9% | 44.7% |
| 27 | Great Southern Bank 73 out of 100, Strong | 2 | 0.9% | 24.6% |
| 28 | PEOPLES SAVINGS BANK | 2 | 0.9% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.9% | — |
| 30 | FIGURE LENDING LLC | 2 | 0.9% | — |
| 31 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | 0.9% | — |
| 32 | ZILLOW HOME LOANS, LLC | 2 | 0.9% | — |
| 33 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 2 | 0.9% | 11.2% |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 0.9% | — |
| 35 | FIRST COMMUNITY MORTGAGE, INC. | 2 | 0.9% | — |
| 36 | Beeline Loans, Inc. | 2 | 0.9% | — |
| 37 | PHH Mortgage Corporation | 2 | 0.9% | — |
| 38 | 21st Mortgage Corporation | 1 | 0.4% | — |
| 39 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.4% | 14.1% |
| 40 | Truist Bank 63 out of 100, Moderate | 1 | 0.4% | 40.8% |
Top 40 of 68 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