Iowa · HMDA 2025
Mortgage lenders in Sac County, IA
57 lenders reported 217 home-loan applications in Sac County in 2025. 135 closed as loans ($16.9M), 24 were denied — a 14.5% denial rate on decided applications, close to the Iowa rate of 15.0%. The three most active lenders handled 35% of applications, led by United Bank of Iowa. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 217
- Loans originated
- 135
- Purchase / refinance
- 79 / 31
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Sac County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | United Bank of Iowa 73 out of 100, Strong | 45 | 20.7% | 21.4% |
| 2 | Westside State Bank | 20 | 9.2% | — |
| 3 | Rocket Mortgage, LLC | 12 | 5.5% | — |
| 4 | Central Bank 65 out of 100, Moderate | 11 | 5.1% | 5.5% |
| 5 | IOWA BANKERS MORTGAGE CORPORATION | 10 | 4.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 9 | 4.1% | — |
| 7 | DUPACO COMMUNITY | 8 | 3.7% | — |
| 8 | The Shelby County State Bank | 7 | 3.2% | — |
| 9 | Northwest Bank 70 out of 100, Strong | 6 | 2.8% | 6.0% |
| 10 | Broker Solutions, Inc. | 5 | 2.3% | — |
| 11 | GREATER IOWA CREDIT UNION 59 out of 100, Moderate | 5 | 2.3% | 21.3% |
| 12 | AmeriSave Mortgage Corporation | 4 | 1.8% | — |
| 13 | Farm Credit Mid-America | 4 | 1.8% | — |
| 14 | Coastal Community Bank 35 out of 100, Low | 4 | 1.8% | 3.0% |
| 15 | NEWREZ LLC | 3 | 1.4% | — |
| 16 | Mortgage Research Center, LLC | 3 | 1.4% | — |
| 17 | BMO Bank National Association 83 out of 100, Strong | 3 | 1.4% | 40.5% |
| 18 | Gateway First Bank 54 out of 100, Below average | 3 | 1.4% | 5.3% |
| 19 | GREENSTATE Credit Union 50 out of 100, Below average | 3 | 1.4% | 10.1% |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.9% | 32.9% |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 2 | 0.9% | — |
| 22 | Flanagan State Bank 67 out of 100, Moderate | 2 | 0.9% | 14.2% |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.9% | — |
| 24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | 0.9% | — |
| 25 | ENDEAVOR CAPITAL, LLC. | 2 | 0.9% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 2 | 0.9% | — |
| 27 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 2 | 0.9% | 11.2% |
| 28 | Availa Bank 65 out of 100, Moderate | 2 | 0.9% | 5.3% |
| 29 | CONSUMER REAL ESTATE FINANCE CO. | 2 | 0.9% | — |
| 30 | LOWER, LLC | 2 | 0.9% | — |
| 31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | 0.9% | — |
| 32 | BETTER MORTGAGE CORPORATION | 2 | 0.9% | — |
| 33 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 2 | 0.9% | 9.1% |
| 34 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.5% | 31.6% |
| 35 | Loandepot.Com, LLC | 1 | 0.5% | — |
| 36 | GUARANTEED RATE, INC. | 1 | 0.5% | — |
| 37 | GUILD MORTGAGE COMPANY | 1 | 0.5% | — |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.5% | 44.7% |
| 39 | U.S. Bank National Association 55 out of 100, Moderate | 1 | 0.5% | 39.5% |
| 40 | Empeople Credit Union 58 out of 100, Moderate | 1 | 0.5% | 25.7% |
Top 40 of 57 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