Iowa · HMDA 2025
Mortgage lenders in Howard County, IA
49 lenders reported 168 home-loan applications in Howard County in 2025. 111 closed as loans ($16.3M), 24 were denied — a 17.3% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 53% of applications, led by CUSB Bank. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 168
- Loans originated
- 111
- Purchase / refinance
- 72 / 31
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Howard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CUSB Bank 74 out of 100, Strong | 66 | 39.3% | 12.0% |
| 2 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 16 | 9.5% | 11.2% |
| 3 | Mortgage Research Center, LLC | 7 | 4.2% | — |
| 4 | Broker Solutions, Inc. | 6 | 3.6% | — |
| 5 | MARINE CREDIT UNION 53 out of 100, Below average | 5 | 3.0% | 44.9% |
| 6 | AmeriSave Mortgage Corporation | 4 | 2.4% | — |
| 7 | Rocket Mortgage, LLC | 4 | 2.4% | — |
| 8 | SECURITY STATE BANK | 4 | 2.4% | — |
| 9 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | 2.4% | — |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.8% | — |
| 11 | Coastal Community Bank 35 out of 100, Low | 3 | 1.8% | 3.0% |
| 12 | NEWREZ LLC | 2 | 1.2% | — |
| 13 | Loandepot.Com, LLC | 2 | 1.2% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 2 | 1.2% | — |
| 15 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 2 | 1.2% | 45.9% |
| 16 | IOWA BANKERS MORTGAGE CORPORATION | 2 | 1.2% | — |
| 17 | Luana Savings Bank 70 out of 100, Strong | 2 | 1.2% | 2.8% |
| 18 | Bank Iowa 54 out of 100, Below average | 2 | 1.2% | 10.7% |
| 19 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 1.2% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.6% | 32.9% |
| 21 | Fairway Independent Mortgage Corporation | 1 | 0.6% | — |
| 22 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.6% | — |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 1 | 0.6% | 39.5% |
| 24 | New Market Bank 74 out of 100, Strong | 1 | 0.6% | 2.1% |
| 25 | Midwest Heritage Bank, FSB 68 out of 100, Moderate | 1 | 0.6% | 18.2% |
| 26 | BMO Bank National Association 83 out of 100, Strong | 1 | 0.6% | 40.5% |
| 27 | First National Bank 77 out of 100, Strong | 1 | 0.6% | 13.6% |
| 28 | NORTHEAST SECURITY BANK 77 out of 100, Strong | 1 | 0.6% | 3.4% |
| 29 | Bluff View Bank 90 out of 100, Very strong | 1 | 0.6% | 2.9% |
| 30 | Kerndt Brothers Savings Bank 79 out of 100, Strong | 1 | 0.6% | 22.4% |
| 31 | PLANET HOME LENDING, LLC | 1 | 0.6% | — |
| 32 | ZILLOW HOME LOANS, LLC | 1 | 0.6% | — |
| 33 | First Bank 78 out of 100, Strong | 1 | 0.6% | 2.4% |
| 34 | Farm Credit Mid-America | 1 | 0.6% | — |
| 35 | AMERICAN FINANCING CORPORATION | 1 | 0.6% | — |
| 36 | PLAZA HOME MORTGAGE, INC. | 1 | 0.6% | — |
| 37 | Merchants Bank, National Association 73 out of 100, Strong | 1 | 0.6% | 5.9% |
| 38 | Fidelity Bank & Trust 55 out of 100, Moderate | 1 | 0.6% | 4.5% |
| 39 | CONSUMER REAL ESTATE FINANCE CO. | 1 | 0.6% | — |
| 40 | STOCKTON MORTGAGE CORPORATION | 1 | 0.6% | — |
Top 40 of 49 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