Iowa · HMDA 2025
Mortgage lenders in Franklin County, IA
56 lenders reported 136 home-loan applications in Franklin County in 2025. 76 closed as loans ($10.6M), 23 were denied — a 22.8% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 26% of applications, led by VERIDIAN CREDIT UNION. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 136
- Loans originated
- 76
- Purchase / refinance
- 39 / 22
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 15 | 11.0% | 11.2% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 12 | 8.8% | — |
| 3 | Rocket Mortgage, LLC | 9 | 6.6% | — |
| 4 | GREENSTATE Credit Union 50 out of 100, Below average | 8 | 5.9% | 10.1% |
| 5 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 5.1% | 22.2% |
| 6 | Mortgage Research Center, LLC | 7 | 5.1% | — |
| 7 | Green Belt Bank & Trust 71 out of 100, Strong | 6 | 4.4% | 7.6% |
| 8 | IOWA BANKERS MORTGAGE CORPORATION | 5 | 3.7% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 2.9% | 39.5% |
| 10 | KIND LENDING, LLC | 4 | 2.9% | — |
| 11 | AmeriSave Mortgage Corporation | 3 | 2.2% | — |
| 12 | PLAZA HOME MORTGAGE, INC. | 3 | 2.2% | — |
| 13 | GUARANTEED RATE, INC. | 2 | 1.5% | — |
| 14 | GNB BANK 76 out of 100, Strong | 2 | 1.5% | 6.1% |
| 15 | The Federal Savings Bank 51 out of 100, Below average | 2 | 1.5% | 19.1% |
| 16 | PLANET HOME LENDING, LLC | 2 | 1.5% | — |
| 17 | Farm Credit Mid-America | 2 | 1.5% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 2 | 1.5% | — |
| 19 | Bank Iowa 54 out of 100, Below average | 2 | 1.5% | 10.7% |
| 20 | LAKEVIEW LOAN SERVICING, LLC | 2 | 1.5% | — |
| 21 | Northwest Bank 70 out of 100, Strong | 2 | 1.5% | 6.0% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.7% | 32.9% |
| 23 | 21st Mortgage Corporation | 1 | 0.7% | — |
| 24 | NEWREZ LLC | 1 | 0.7% | — |
| 25 | Loandepot.Com, LLC | 1 | 0.7% | — |
| 26 | GUILD MORTGAGE COMPANY | 1 | 0.7% | — |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.7% | 33.8% |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.7% | 44.7% |
| 29 | Premier Credit Union 51 out of 100, Below average | 1 | 0.7% | 13.8% |
| 30 | Lendage, LLC | 1 | 0.7% | — |
| 31 | Flanagan State Bank 67 out of 100, Moderate | 1 | 0.7% | 14.2% |
| 32 | PEOPLES SAVINGS BANK | 1 | 0.7% | — |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.7% | — |
| 34 | MEMBERS1st Community Credit Union 59 out of 100, Moderate | 1 | 0.7% | 8.4% |
| 35 | PEOPLES BANK 65 out of 100, Moderate | 1 | 0.7% | 6.2% |
| 36 | Sierra Pacific Mortgage Company, Inc. | 1 | 0.7% | — |
| 37 | CUSB Bank 74 out of 100, Strong | 1 | 0.7% | 12.0% |
| 38 | FIGURE LENDING LLC | 1 | 0.7% | — |
| 39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | 0.7% | — |
| 40 | Click n' Close, Inc. | 1 | 0.7% | — |
Top 40 of 56 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