Iowa · HMDA 2025
Mortgage lenders in O'Brien County, IA
70 lenders reported 300 home-loan applications in O'Brien County in 2025. 193 closed as loans ($36.3M), 39 were denied — a 16.1% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 27% of applications, led by SECURITY STATE BANK. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 300
- Loans originated
- 193
- Purchase / refinance
- 123 / 54
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in O'Brien County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SECURITY STATE BANK | 34 | 11.3% | — |
| 2 | IOWA BANKERS MORTGAGE CORPORATION | 30 | 10.0% | — |
| 3 | American State Bank 66 out of 100, Moderate | 18 | 6.0% | 4.7% |
| 4 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 18 | 6.0% | — |
| 5 | Northwest Bank 70 out of 100, Strong | 17 | 5.7% | 6.0% |
| 6 | Rocket Mortgage, LLC | 13 | 4.3% | — |
| 7 | The Security National Bank of Sioux City, Iowa 81 out of 100, Strong | 12 | 4.0% | 15.7% |
| 8 | Peoples Bank 69 out of 100, Moderate | 11 | 3.7% | 11.1% |
| 9 | Mortgage Research Center, LLC | 9 | 3.0% | — |
| 10 | GREENSTATE Credit Union 50 out of 100, Below average | 8 | 2.7% | 10.1% |
| 11 | PENNYMAC LOAN SERVICES, LLC | 7 | 2.3% | — |
| 12 | AmeriSave Mortgage Corporation | 6 | 2.0% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 2.0% | 39.5% |
| 14 | Coastal Community Bank 35 out of 100, Low | 6 | 2.0% | 3.0% |
| 15 | Loandepot.Com, LLC | 5 | 1.7% | — |
| 16 | Flanagan State Bank 67 out of 100, Moderate | 4 | 1.3% | 14.2% |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.3% | — |
| 18 | Farm Credit Mid-America | 4 | 1.3% | — |
| 19 | NEW DAY FINANCIAL, LLC | 4 | 1.3% | — |
| 20 | Central Bank 65 out of 100, Moderate | 4 | 1.3% | 5.5% |
| 21 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 1.3% | — |
| 22 | First PREMIER Bank 85 out of 100, Very strong | 4 | 1.3% | 18.8% |
| 23 | NEWREZ LLC | 3 | 1.0% | — |
| 24 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.0% | — |
| 25 | Broker Solutions, Inc. | 3 | 1.0% | — |
| 26 | PLANET HOME LENDING, LLC | 3 | 1.0% | — |
| 27 | FREEDOM MORTGAGE CORPORATION | 3 | 1.0% | — |
| 28 | FIRST COMMUNITY MORTGAGE, INC. | 3 | 1.0% | — |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.7% | 14.1% |
| 30 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.7% | 32.5% |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.7% | 44.7% |
| 32 | United Bank of Iowa 73 out of 100, Strong | 2 | 0.7% | 21.4% |
| 33 | MEMBERS1st Community Credit Union 59 out of 100, Moderate | 2 | 0.7% | 8.4% |
| 34 | FIGURE LENDING LLC | 2 | 0.7% | — |
| 35 | BANKWEST, INC. 38 out of 100, Low | 2 | 0.7% | 48.6% |
| 36 | MARINE CREDIT UNION 53 out of 100, Below average | 2 | 0.7% | 44.9% |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 2 | 0.7% | — |
| 38 | Equity Prime Mortgage LLC | 2 | 0.7% | — |
| 39 | Plains Commerce Bank 59 out of 100, Moderate | 2 | 0.7% | 10.0% |
| 40 | RESIDENTIAL MORTGAGE NETWORK, INC. | 2 | 0.7% | — |
Top 40 of 70 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