Iowa · HMDA 2025
Mortgage lenders in Palo Alto County, IA
56 lenders reported 199 home-loan applications in Palo Alto County in 2025. 107 closed as loans ($12.2M), 35 were denied — a 23.8% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 45% of applications, led by Northwest Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 199
- Loans originated
- 107
- Purchase / refinance
- 68 / 25
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Palo Alto County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Northwest Bank 70 out of 100, Strong | 60 | 30.2% | 6.0% |
| 2 | Rocket Mortgage, LLC | 16 | 8.0% | — |
| 3 | IOWA BANKERS MORTGAGE CORPORATION | 14 | 7.0% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 13 | 6.5% | — |
| 5 | Flanagan State Bank 67 out of 100, Moderate | 10 | 5.0% | 14.2% |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 2.5% | 39.5% |
| 7 | IOWA TRUST & SAVINGS BANK 63 out of 100, Moderate | 5 | 2.5% | 13.3% |
| 8 | NEWREZ LLC | 3 | 1.5% | — |
| 9 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 1.5% | 22.2% |
| 10 | Broker Solutions, Inc. | 3 | 1.5% | — |
| 11 | PLANET HOME LENDING, LLC | 3 | 1.5% | — |
| 12 | PLAZA HOME MORTGAGE, INC. | 3 | 1.5% | — |
| 13 | Central Bank 65 out of 100, Moderate | 3 | 1.5% | 5.5% |
| 14 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 3 | 1.5% | 9.1% |
| 15 | Mortgage Research Center, LLC | 2 | 1.0% | — |
| 16 | Raccoon Valley Bank | 2 | 1.0% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 2 | 1.0% | — |
| 18 | Availa Bank 65 out of 100, Moderate | 2 | 1.0% | 5.3% |
| 19 | KIND LENDING, LLC | 2 | 1.0% | — |
| 20 | LAKEVIEW LOAN SERVICING, LLC | 2 | 1.0% | — |
| 21 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 1.0% | — |
| 22 | NEW DAY FINANCIAL, LLC | 2 | 1.0% | — |
| 23 | Bank Midwest 69 out of 100, Moderate | 2 | 1.0% | 5.3% |
| 24 | DUPACO COMMUNITY | 2 | 1.0% | — |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 1.0% | — |
| 26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | 1.0% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 2 | 1.0% | 3.0% |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.5% | 14.1% |
| 29 | Loandepot.Com, LLC | 1 | 0.5% | — |
| 30 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.5% | — |
| 31 | AmeriSave Mortgage Corporation | 1 | 0.5% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.5% | 33.8% |
| 33 | SPRING EQ, LLC | 1 | 0.5% | — |
| 34 | United Bank of Iowa 73 out of 100, Strong | 1 | 0.5% | 21.4% |
| 35 | Central National Bank 78 out of 100, Strong | 1 | 0.5% | 12.5% |
| 36 | SECURITY STATE BANK | 1 | 0.5% | — |
| 37 | FIGURE LENDING LLC | 1 | 0.5% | — |
| 38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | 0.5% | — |
| 39 | Mortgage Right | 1 | 0.5% | — |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 1 | 0.5% | — |
Top 40 of 56 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