Guthrie County, IA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 510 mortgage applications in Guthrie County, IA totaling $109.5 million, up 26% from 2024. The average application was for $214,000, and applicants reported an average income of $128,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was Guthrie County State Bank, with 39 applications, followed by Community Choice Credit Union and Veridian Credit Union.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 510
Total Mortgage Loan Application Amount $109,530,000
Average Mortgage Loan Application Amount $214,000
Highest Mortgage Loan Application Amount $2,285,000
Average Applicant Income $128,000
Highest Applicant Income $1,172,000

Mortgage Company List for Lending in Guthrie County, IA for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Guthrie County State Bank
505 E MAIN ST
PANORA, IA 50216
* $ n/a 39 $ 8,405,000
Community Choice Credit Union
1351 NW 114TH ST, P.O. BOX 71247
JOHNSTON, IA 50131
* $ n/a 34 $ 4,020,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ n/a 28 $ 3,670,000
First State Bank
215 N. DIVISION, PO BOX 400
STUART, IA 50250
* $ n/a 24 $ 4,410,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 23 $ 4,595,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 18 $ 3,870,000
Peoples Bank
12701 UNIVERSITY AVE
CLIVE, IA 50325
* $ n/a 15 $ 1,445,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 3,305,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 10 $ 1,740,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 10 $ 2,540,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 10 $ 3,020,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 9 $ 1,095,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 8 $ 1,930,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 7 $ 1,395,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ n/a 7 $ 1,365,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 475,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 7 $ 3,125,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 6 $ 690,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 6 $ 1,420,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 6 $ 1,340,000
Greater Iowa Credit Union
801 LINCOLN WAY
AMES, IA 50010
* $ n/a 5 $ 945,000
Premier Credit Union
800 9TH ST
DES MOINES, IA 50309
* $ n/a 5 $ 1,005,000
Charter Bank
5526 NW 86TH STREET
JOHNSTON, IA 50131
* $ n/a 5 $ 2,665,000
Fidelity Bank
302 MAIN ST
SAVANNA, IL 61074
* $ n/a 5 $ 3,045,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 1,665,000
Rolling Hills Bank & Trust
1307 E 7TH ST
ATLANTIC, IA 50022
* $ n/a 5 $ 705,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 5 $ 725,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 5 $ 1,235,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ n/a 4 $ 520,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 4 $ 1,580,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 900,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ n/a 4 $ 2,520,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 940,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ n/a 4 $ 2,860,000
Raccoon Valley Bank
1202 SECOND
PERRY, IA 50220
* $ n/a 4 $ 360,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 4 $ 1,590,000
Central Bank
600 LAKE AVENUE
STORM LAKE, IA 50588
* $ n/a 4 $ 760,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 225,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 3 $ 1,055,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 275,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 3 $ 305,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 3 $ 1,175,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 3 $ 225,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 3 $ 495,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 3 $ 735,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 255,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 3 $ 365,000
City State Bank
801 MAIN STREET
NORWALK, IA 50211
* $ n/a 3 $ 775,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 3 $ 125,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 3 $ 545,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 3 $ 925,000
Members1st Community Credit Union
910 S 12TH AVE,PO BOX 777
MARSHALLTOWN, IA 50158
* $ n/a 3 $ 195,000
Fnb Bank
101 MAIN STREET
MASSENA, IA 50853
* $ n/a 3 $ 635,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 890,000
Home State Bank
115 W STATE ST
JEFFERSON, IA 50129
* $ n/a 2 $ 290,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ n/a 2 $ 260,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ n/a 2 $ 630,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ n/a 2 $ 710,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 60,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 2 $ 270,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 2 $ 100,000
Earlham Savings Bank
7300 LAKE DRIVE
WEST DES MOINES, IA 50266
* $ n/a 2 $ 180,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 420,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ n/a 2 $ 230,000
Financial Plus Credit Union
1831 25TH STREET
WEST DES MOINES, IA 50266
* $ n/a 2 $ 60,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 2 $ 460,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 2 $ 330,000
Westside State Bank
401 1ST STREET
WESTSIDE, IA 51467
* $ n/a 2 $ 160,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 70,000
Bankers Trust Company
453 7TH ST.
DES MOINES, IA 50309
* $ n/a 2 $ 190,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 1,010,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 1 $ 305,000
Iowa Trust & Savings Bank
2101 10TH ST
EMMETSBURG, IA 50536
* $ n/a 1 $ 55,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ n/a 1 $ 455,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ n/a 1 $ 155,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 1 $ 65,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 125,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 185,000
Bank Iowa
1150 JORDAN CREEK PARKWAY
WEST DES MOINES, IA 50266
* $ n/a 1 $ 155,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 145,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 215,000
Bank
1403 S. ROOSEVELT
WAPELLO, IA 52653
* $ n/a 1 $ 145,000
Cbi Bank & Trust
301 IOWA AVE
MUSCATINE, IA 52761
* $ n/a 1 $ 805,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 275,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 155,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 635,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 85,000
Midstates Bank NA
1851 MADISON AVE., STE. 732
COUNCIL BLUFFS, IA 51503
* $ n/a 1 $ 115,000
Farmers & Merchants State Bank
101 W JEFFERSON STREET
WINTERSET, IA 50273
* $ n/a 1 $ 285,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 475,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 1 $ 105,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 195,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 1 $ 345,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 175,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ n/a 1 $ 435,000
The Family Credit Union
1530 W 53RD STREET
DAVENPORT, IA 52806
* $ n/a 1 $ 75,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 365,000
Community 1st Credit Union
1030 SIERRA DR NE
OTTUMWA, IA 52501
* $ n/a 1 $ 85,000
State Savings Bank
4800 MILLS CIVIC PKWY., STE. 100
WEST DES MOINES, IA 50265
* $ n/a 1 $ 125,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 505,000
Shelby County State Bank
508 COURT ST
HARLAN, IA 51537
* $ n/a 1 $ 255,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ n/a 1 $ 105,000
South Story Bank & Trust
501 LINN ST
SLATER, IA 50244
* $ n/a 1 $ 485,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 255,000
Visionbank of Iowa
104 CHESTNUT ST
AMES, IA 50010
* $ n/a 1 $ 775,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 135,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 945,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 425,000
Iowa State Bank
627 E LOCUST ST
DES MOINES, IA 50309
* $ n/a 1 $ 605,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 1 $ 635,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 215,000
West Bank
1601 22ND STREET
WEST DES MOINES, IA 50266
* $ n/a 1 $ 405,000

The tables below break down 2025 mortgage applications in Guthrie County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Guthrie County, IA in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 246 $65,330,000 $265,000 $2,285,000 $159,000 $1,172,000
Refinancing 88 $22,350,000 $253,000 $1,585,000 $143,000 $510,000
Cash-out Refinancing 65 $11,655,000 $179,000 $505,000 $92,000 $244,000
Other Purpose 63 $5,825,000 $92,000 $405,000 $80,000 $398,000
Home Improvement 48 $4,370,000 $91,000 $945,000 $78,000 $449,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 394 $79,900,000 $202,000 $1,295,000 $125,000 $1,172,000
Not applicable 56 $15,930,000 $284,000 $2,285,000 $228,000 $656,000
Not Provided 43 $10,685,000 $248,000 $1,585,000 $164,000 $1,148,000
Hispanic 13 $2,575,000 $198,000 $435,000 $84,000 $172,000
Black or African American 4 $440,000 $110,000 $245,000 $82,000 $197,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 405 $86,355,000 $213,000 $2,285,000 $138,000 $1,172,000
FHA-insured (Federal Housing Administration) 66 $13,880,000 $210,000 $525,000 $80,000 $167,000
VA-guaranteed (Veterans Administration) 27 $7,635,000 $282,000 $575,000 $104,000 $221,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,660,000 $138,000 $215,000 $61,000 $103,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 317 $69,935,000 $220,000 $2,285,000 $141,000 $1,172,000
Application Withdrawn By Applicant 65 $13,745,000 $211,000 $805,000 $105,000 $566,000
Application Denied By Financial Institution 63 $11,725,000 $186,000 $945,000 $93,000 $449,000
Loan Purchased By The Institution 40 $10,890,000 $272,000 $965,000 $184,000 $656,000
Application Approved But Not Accepted 13 $1,395,000 $107,000 $535,000 $86,000 $198,000
File Closed For Incompleteness 11 $1,525,000 $138,000 $315,000 $87,000 $164,000
Preapproval Approved but not Accepted 1 $315,000 $315,000 $315,000 $287,000 $287,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 339 $73,325,000 $216,000 $2,285,000 $130,000 $1,172,000
Debt-To-Income Ratio 132 $29,470,000 $223,000 $1,585,000 $133,000 $865,000
Collateral 14 $2,780,000 $198,000 $425,000 $111,000 $249,000
Credit History 14 $2,260,000 $161,000 $455,000 $99,000 $221,000
Credit Application Incomplete 4 $450,000 $112,000 $245,000 $54,000 $100,000
Other 4 $870,000 $217,000 $445,000 $115,000 $162,000
Unverifiable Information 1 $75,000 $75,000 $75,000 $23,000 $23,000
Employment History 1 $85,000 $85,000 $85,000 $78,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 1 $215,000 $215,000 $215,000 $85,000 $85,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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