Iowa · HMDA 2025
Mortgage lenders in Jefferson County, IA
69 lenders reported 468 home-loan applications in Jefferson County in 2025. 277 closed as loans ($38.1M), 78 were denied — a 21.0% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 48% of applications, led by COMMUNITY 1ST CREDIT UNION. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 468
- Loans originated
- 277
- Purchase / refinance
- 143 / 98
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMUNITY 1ST CREDIT UNION 38 out of 100, Low | 83 | 17.7% | 15.4% |
| 2 | MidWestOne Bank | 77 | 16.5% | — |
| 3 | Washington State Bank 78 out of 100, Strong | 65 | 13.9% | 4.3% |
| 4 | Rocket Mortgage, LLC | 20 | 4.3% | — |
| 5 | IOWA BANKERS MORTGAGE CORPORATION | 15 | 3.2% | — |
| 6 | Mortgage Research Center, LLC | 14 | 3.0% | — |
| 7 | WEST GATE BANK 72 out of 100, Strong | 14 | 3.0% | 4.8% |
| 8 | GREENSTATE Credit Union 50 out of 100, Below average | 13 | 2.8% | 10.1% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 10 | 2.1% | — |
| 10 | Federation Bank 83 out of 100, Strong | 9 | 1.9% | 7.4% |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 1.7% | 39.5% |
| 12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | 1.5% | — |
| 13 | Broker Solutions, Inc. | 6 | 1.3% | — |
| 14 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 1.3% | — |
| 15 | Hills Bank and Trust Company 84 out of 100, Strong | 6 | 1.3% | 6.6% |
| 16 | NEWREZ LLC | 5 | 1.1% | — |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.1% | — |
| 18 | RESIDENTIAL MORTGAGE NETWORK, INC. | 5 | 1.1% | — |
| 19 | NEW DAY FINANCIAL, LLC | 5 | 1.1% | — |
| 20 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.1% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.9% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.9% | 33.8% |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.9% | 44.7% |
| 24 | AMERICAN FINANCING CORPORATION | 4 | 0.9% | — |
| 25 | T2 FINANCIAL LLC | 4 | 0.9% | — |
| 26 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.9% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 4 | 0.9% | 3.0% |
| 28 | Loandepot.Com, LLC | 3 | 0.6% | — |
| 29 | AmeriSave Mortgage Corporation | 3 | 0.6% | — |
| 30 | GUILD MORTGAGE COMPANY | 3 | 0.6% | — |
| 31 | Empeople Credit Union 58 out of 100, Moderate | 3 | 0.6% | 25.7% |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.6% | — |
| 33 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 0.6% | 37.2% |
| 34 | Two Rivers Bank & Trust | 3 | 0.6% | — |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.4% | 32.9% |
| 36 | FIGURE LENDING LLC | 2 | 0.4% | — |
| 37 | PLANET HOME LENDING, LLC | 2 | 0.4% | — |
| 38 | CBI Bank & Trust | 2 | 0.4% | — |
| 39 | NATIONSTAR MORTGAGE LLC | 2 | 0.4% | — |
| 40 | CONSUMER REAL ESTATE FINANCE CO. | 2 | 0.4% | — |
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