Iowa · HMDA 2025
Mortgage lenders in Shelby County, IA
97 lenders reported 434 home-loan applications in Shelby County in 2025. 279 closed as loans ($39.8M), 59 were denied — a 17.1% denial rate on decided applications, above the Iowa rate of 15.0%. The three most active lenders handled 30% of applications, led by The Shelby County State Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 434
- Loans originated
- 279
- Purchase / refinance
- 140 / 80
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Shelby County State Bank | 75 | 17.3% | — |
| 2 | IOWA BANKERS MORTGAGE CORPORATION | 28 | 6.5% | — |
| 3 | COMMUNITY 1ST CREDIT UNION 38 out of 100, Low | 27 | 6.2% | 15.4% |
| 4 | Rocket Mortgage, LLC | 25 | 5.8% | — |
| 5 | FARMERS TRUST & SAVINGS BANK EARLING, IOWA 77 out of 100, Strong | 16 | 3.7% | 0.0% |
| 6 | United Bank of Iowa 73 out of 100, Strong | 12 | 2.8% | 21.4% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 2.5% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 10 | 2.3% | — |
| 9 | CENTRIS | 10 | 2.3% | — |
| 10 | CMG MORTGAGE, INC. | 9 | 2.1% | — |
| 11 | Mortgage Research Center, LLC | 9 | 2.1% | — |
| 12 | AmeriSave Mortgage Corporation | 8 | 1.8% | — |
| 13 | NEWREZ LLC | 7 | 1.6% | — |
| 14 | Midstates Bank, National Association 79 out of 100, Strong | 6 | 1.4% | 2.0% |
| 15 | PLANET HOME LENDING, LLC | 6 | 1.4% | — |
| 16 | Coastal Community Bank 35 out of 100, Low | 6 | 1.4% | 3.0% |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 1.2% | 22.2% |
| 18 | Broker Solutions, Inc. | 5 | 1.2% | — |
| 19 | FIGURE LENDING LLC | 5 | 1.2% | — |
| 20 | VERIDIAN CREDIT UNION 73 out of 100, Strong | 5 | 1.2% | 11.2% |
| 21 | Plains Commerce Bank 59 out of 100, Moderate | 5 | 1.2% | 10.0% |
| 22 | Loandepot.Com, LLC | 4 | 0.9% | — |
| 23 | GUILD MORTGAGE COMPANY | 4 | 0.9% | — |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.9% | 39.5% |
| 25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | 0.9% | — |
| 26 | Arbor Bank 57 out of 100, Moderate | 4 | 0.9% | 0.9% |
| 27 | Rolling Hills Bank & Trust 77 out of 100, Strong | 4 | 0.9% | 4.3% |
| 28 | NEW DAY FINANCIAL, LLC | 4 | 0.9% | — |
| 29 | WEST GATE BANK 72 out of 100, Strong | 4 | 0.9% | 4.8% |
| 30 | BETTER MORTGAGE CORPORATION | 4 | 0.9% | — |
| 31 | First National Bank of Omaha 72 out of 100, Strong | 4 | 0.9% | 25.9% |
| 32 | SPRING EQ, LLC | 3 | 0.7% | — |
| 33 | Empeople Credit Union 58 out of 100, Moderate | 3 | 0.7% | 25.7% |
| 34 | Flanagan State Bank 67 out of 100, Moderate | 3 | 0.7% | 14.2% |
| 35 | Farm Credit Mid-America | 3 | 0.7% | — |
| 36 | Glenwood State Bank 77 out of 100, Strong | 3 | 0.7% | 1.2% |
| 37 | AMERICAN FINANCING CORPORATION | 3 | 0.7% | — |
| 38 | NATIONSTAR MORTGAGE LLC | 3 | 0.7% | — |
| 39 | DUPACO COMMUNITY | 3 | 0.7% | — |
| 40 | GREENSTATE Credit Union 50 out of 100, Below average | 3 | 0.7% | 10.1% |
Top 40 of 97 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