Iowa · HMDA 2025
Mortgage lenders in Lucas County, IA
79 lenders reported 377 home-loan applications in Lucas County in 2025. 213 closed as loans ($30.8M), 69 were denied — a 23.6% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 34% of applications, led by COMMUNITY 1ST CREDIT UNION. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 377
- Loans originated
- 213
- Purchase / refinance
- 96 / 88
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lucas County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMUNITY 1ST CREDIT UNION 38 out of 100, Low | 71 | 18.8% | 15.4% |
| 2 | Midwest Heritage Bank, FSB 68 out of 100, Moderate | 41 | 10.9% | 18.2% |
| 3 | Rocket Mortgage, LLC | 17 | 4.5% | — |
| 4 | IOWA BANKERS MORTGAGE CORPORATION | 14 | 3.7% | — |
| 5 | Peoples Savings Bank 65 out of 100, Moderate | 14 | 3.7% | 8.2% |
| 6 | GREENSTATE Credit Union 50 out of 100, Below average | 13 | 3.4% | 10.1% |
| 7 | Mortgage Research Center, LLC | 12 | 3.2% | — |
| 8 | First Interstate Bank 62 out of 100, Moderate | 12 | 3.2% | 29.4% |
| 9 | Broker Solutions, Inc. | 8 | 2.1% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 2.1% | 39.5% |
| 11 | Community Choice Credit Union | 8 | 2.1% | — |
| 12 | American State Bank 83 out of 100, Strong | 7 | 1.9% | 2.1% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.6% | — |
| 14 | MARINE CREDIT UNION 53 out of 100, Below average | 6 | 1.6% | 44.9% |
| 15 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 6 | 1.6% | 11.2% |
| 16 | WEST GATE BANK 72 out of 100, Strong | 6 | 1.6% | 4.8% |
| 17 | NEWREZ LLC | 5 | 1.3% | — |
| 18 | PENNYMAC LOAN SERVICES, LLC | 5 | 1.3% | — |
| 19 | AmeriSave Mortgage Corporation | 5 | 1.3% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 1.1% | 14.1% |
| 21 | MOVEMENT MORTGAGE, LLC | 4 | 1.1% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.1% | — |
| 23 | PLANET HOME LENDING, LLC | 4 | 1.1% | — |
| 24 | Farm Credit Mid-America | 4 | 1.1% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 4 | 1.1% | — |
| 26 | Luana Savings Bank 70 out of 100, Strong | 4 | 1.1% | 2.8% |
| 27 | CMG MORTGAGE, INC. | 3 | 0.8% | — |
| 28 | Loandepot.Com, LLC | 3 | 0.8% | — |
| 29 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.8% | 44.7% |
| 30 | Premier Credit Union 51 out of 100, Below average | 3 | 0.8% | 13.8% |
| 31 | Fidelity Bank 52 out of 100, Below average | 3 | 0.8% | 2.6% |
| 32 | PLAZA HOME MORTGAGE, INC. | 3 | 0.8% | — |
| 33 | Bank Iowa 54 out of 100, Below average | 3 | 0.8% | 10.7% |
| 34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | 0.8% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 3 | 0.8% | 3.0% |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.5% | 32.5% |
| 37 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.5% | 22.2% |
| 38 | GUARANTEED RATE, INC. | 2 | 0.5% | — |
| 39 | Regions Bank 64 out of 100, Moderate | 2 | 0.5% | 43.1% |
| 40 | SPRING EQ, LLC | 2 | 0.5% | — |
Top 40 of 79 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