Iowa · HMDA 2025
Mortgage lenders in Osceola County, IA
49 lenders reported 128 home-loan applications in Osceola County in 2025. 70 closed as loans ($10.1M), 20 were denied — a 21.7% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 28% of applications, led by U.S. Bank National Association. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 128
- Loans originated
- 70
- Purchase / refinance
- 43 / 19
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Osceola County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 11.7% | 39.5% |
| 2 | IOWA BANKERS MORTGAGE CORPORATION | 11 | 8.6% | — |
| 3 | Rocket Mortgage, LLC | 10 | 7.8% | — |
| 4 | NEWREZ LLC | 8 | 6.3% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 7 | 5.5% | — |
| 6 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | 4.7% | — |
| 7 | Northwest Bank 70 out of 100, Strong | 6 | 4.7% | 6.0% |
| 8 | PLAZA HOME MORTGAGE, INC. | 5 | 3.9% | — |
| 9 | Mortgage Research Center, LLC | 4 | 3.1% | — |
| 10 | American State Bank 66 out of 100, Moderate | 4 | 3.1% | 4.7% |
| 11 | First State Bank Southwest 70 out of 100, Strong | 3 | 2.3% | 0.8% |
| 12 | Coastal Community Bank 35 out of 100, Low | 3 | 2.3% | 3.0% |
| 13 | GUARANTEED RATE, INC. | 2 | 1.6% | — |
| 14 | AmeriSave Mortgage Corporation | 2 | 1.6% | — |
| 15 | THE LOAN STORE, INC. | 2 | 1.6% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 1.6% | — |
| 17 | Coulee Bank 39 out of 100, Low | 2 | 1.6% | 5.6% |
| 18 | COMPEER FINANCIAL, FLCA | 2 | 1.6% | — |
| 19 | Plains Commerce Bank 59 out of 100, Moderate | 2 | 1.6% | 10.0% |
| 20 | WEST GATE BANK 72 out of 100, Strong | 2 | 1.6% | 4.8% |
| 21 | First PREMIER Bank 85 out of 100, Very strong | 2 | 1.6% | 18.8% |
| 22 | CMG MORTGAGE, INC. | 1 | 0.8% | — |
| 23 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.8% | 32.5% |
| 24 | Loandepot.Com, LLC | 1 | 0.8% | — |
| 25 | Broker Solutions, Inc. | 1 | 0.8% | — |
| 26 | GUILD MORTGAGE COMPANY | 1 | 0.8% | — |
| 27 | Great Southern Bank 73 out of 100, Strong | 1 | 0.8% | 24.6% |
| 28 | Premier Bank 60 out of 100, Moderate | 1 | 0.8% | 15.7% |
| 29 | Flanagan State Bank 67 out of 100, Moderate | 1 | 0.8% | 14.2% |
| 30 | Paramount Residential Mortgage Group, Inc. | 1 | 0.8% | — |
| 31 | FlexPoint, Inc. | 1 | 0.8% | — |
| 32 | FIGURE LENDING LLC | 1 | 0.8% | — |
| 33 | Peoples Bank 69 out of 100, Moderate | 1 | 0.8% | 11.1% |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 0.8% | — |
| 35 | Farm Credit Mid-America | 1 | 0.8% | — |
| 36 | AMERICAN FINANCING CORPORATION | 1 | 0.8% | — |
| 37 | NATIONSTAR MORTGAGE LLC | 1 | 0.8% | — |
| 38 | FREEDOM MORTGAGE CORPORATION | 1 | 0.8% | — |
| 39 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 1 | 0.8% | 11.2% |
| 40 | American Bank & Trust 72 out of 100, Strong | 1 | 0.8% | 16.0% |
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