Guthrie County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 404 mortgage applications in Guthrie County, IA totaling $81.2 million, up 9% from 2023. The average application was for $200,000, and applicants reported an average income of $145,000. 65% of applications resulted in an originated loan and 10% were denied. The most active lender was Veridian Credit Union, with 32 applications, followed by Guthrie County State Bank and First State Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Iowa.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 404 |
| Total Mortgage Loan Application Amount | $81,170,000 |
| Average Mortgage Loan Application Amount | $200,000 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $145,000 |
| Highest Applicant Income | $1,590,000 |
* 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 |
|---|---|---|---|---|
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 32 | $ 3,500,000 |
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ n/a | 29 | $ 4,545,000 |
| First State Bank 215 N. DIVISION, PO BOX 400 STUART, IA 50250 |
* | $ n/a | 21 | $ 2,835,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 18 | $ 2,700,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 14 | $ 3,490,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 13 | $ 2,435,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 12 | $ 1,750,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 2,030,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 2,045,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 9 | $ 2,555,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 1,810,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 8 | $ 3,520,000 |
| Peoples Bank 12701 UNIVERSITY AVE CLIVE, IA 50325 |
* | $ n/a | 8 | $ 1,050,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ n/a | 7 | $ 305,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ n/a | 7 | $ 1,275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,565,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,845,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 910,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 5 | $ 945,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 5 | $ 1,455,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ n/a | 5 | $ 2,165,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ n/a | 5 | $ 1,035,000 |
| Iowa Trust & Savings Bank 2101 10TH ST EMMETSBURG, IA 50536 |
* | $ n/a | 5 | $ 565,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 1,650,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 4 | $ 380,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ n/a | 3 | $ 1,145,000 |
| The Family Credit Union 1530 W 53RD STREET DAVENPORT, IA 52806 |
* | $ n/a | 3 | $ 75,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 3 | $ 1,505,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ n/a | 3 | $ 225,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 225,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 3 | $ 475,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 575,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 1,175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 295,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ n/a | 3 | $ 515,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 3 | $ 495,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ n/a | 3 | $ 1,485,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ n/a | 3 | $ 655,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 775,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 425,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 3 | $ 615,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 3 | $ 755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 100,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 1,830,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 490,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 70,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 230,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 580,000 |
| Security State Bank 109 W 2ND ST SUTHERLAND, IA 51058 |
* | $ n/a | 2 | $ 640,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 110,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 160,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 530,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 450,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 160,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ n/a | 2 | $ 210,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ n/a | 2 | $ 110,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 2 | $ 90,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ n/a | 2 | $ 190,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ n/a | 2 | $ 110,000 |
| Leighton State Bank 900 WASHINGTON ST PELLA, IA 50219 |
* | $ n/a | 2 | $ 90,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 2 | $ 430,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 290,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 2 | $ 440,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 515,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ n/a | 1 | $ 735,000 |
| Fidelity Bank 302 MAIN ST SAVANNA, IL 61074 |
* | $ n/a | 1 | $ 195,000 |
| Farmers & Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ n/a | 1 | $ 205,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 1 | $ 45,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 175,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 165,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 795,000 |
| South Story Bank & Trust 501 LINN ST SLATER, IA 50244 |
* | $ n/a | 1 | $ 485,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ n/a | 1 | $ 125,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 265,000 |
| Charter Bank 5526 NW 86TH STREET JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 745,000 |
| State Savings Bank 4800 MILLS CIVIC PKWY., STE. 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 1 | $ 55,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ n/a | 1 | $ 45,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ n/a | 1 | $ 305,000 |
| Serve Credit Union 423 E COURT AVE DES MOINES, IA 50309 |
* | $ n/a | 1 | $ 105,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 215,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 215,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 175,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 35,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 15,000 |
| Home State Bank 115 W STATE ST JEFFERSON, IA 50129 |
* | $ n/a | 1 | $ 25,000 |
| Westside State Bank 401 1ST STREET WESTSIDE, IA 51467 |
* | $ n/a | 1 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 515,000 |
| Bank 1403 S. ROOSEVELT WAPELLO, IA 52653 |
* | $ n/a | 1 | $ 225,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 205,000 |
| 549300k04zgwyv7ldx511190891 2051 WESTOWN PARKWAY WEST DES MOINES, IA 50265 |
* | $ n/a | 1 | $ 25,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 105,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 85,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 405,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 285,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 455,000 |
| Academy Bank, N.A. 8551 NORTH BOARDWALK AVE KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 695,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ n/a | 1 | $ 25,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 245,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 275,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 845,000 |
The tables below break down 2024 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 2024
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 | 221 | $56,085,000 | $253,000 | $1,265,000 | $153,000 | $1,496,000 |
| Other Purpose | 63 | $7,045,000 | $111,000 | $795,000 | $183,000 | $1,590,000 |
| Refinancing | 41 | $8,905,000 | $217,000 | $655,000 | $129,000 | $300,000 |
| Home Improvement | 40 | $2,830,000 | $70,000 | $785,000 | $117,000 | $594,000 |
| Cash-out Refinancing | 39 | $6,305,000 | $161,000 | $655,000 | $75,000 | $247,000 |
| 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 | 324 | $66,130,000 | $204,000 | $1,265,000 | $149,000 | $1,590,000 |
| Not applicable | 46 | $10,200,000 | $221,000 | $695,000 | $136,000 | $259,000 |
| Not Provided | 23 | $4,305,000 | $187,000 | $665,000 | $127,000 | $476,000 |
| Black or African American | 4 | $330,000 | $82,000 | $155,000 | $82,000 | $120,000 |
| Hispanic | 3 | $105,000 | $35,000 | $65,000 | $70,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $30,000 | $15,000 | $15,000 | $33,000 | $33,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $101,000 | $101,000 |
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) | 324 | $64,080,000 | $197,000 | $1,265,000 | $157,000 | $1,590,000 |
| FHA-insured (Federal Housing Administration) | 45 | $8,425,000 | $187,000 | $425,000 | $77,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 28 | $7,310,000 | $261,000 | $695,000 | $102,000 | $292,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,355,000 | $193,000 | $225,000 | $83,000 | $97,000 |
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 | 261 | $53,675,000 | $205,000 | $985,000 | $149,000 | $1,590,000 |
| Application Withdrawn By Applicant | 48 | $9,740,000 | $202,000 | $1,265,000 | $170,000 | $1,496,000 |
| Application Denied By Financial Institution | 41 | $5,815,000 | $141,000 | $655,000 | $109,000 | $1,086,000 |
| Loan Purchased By The Institution | 35 | $8,945,000 | $255,000 | $695,000 | $125,000 | $259,000 |
| Application Approved But Not Accepted | 10 | $780,000 | $78,000 | $265,000 | $58,000 | $91,000 |
| File Closed For Incompleteness | 8 | $1,710,000 | $213,000 | $485,000 | $149,000 | $300,000 |
| Preapproval Approved but not Accepted | 1 | $505,000 | $505,000 | $505,000 | $230,000 | $230,000 |
| 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 | 284 | $61,540,000 | $216,000 | $1,265,000 | $151,000 | $1,590,000 |
| Debt-To-Income Ratio | 97 | $16,345,000 | $168,000 | $925,000 | $133,000 | $976,000 |
| Collateral | 10 | $1,620,000 | $162,000 | $655,000 | $86,000 | $166,000 |
| Credit Application Incomplete | 5 | $955,000 | $191,000 | $405,000 | $328,000 | $1,086,000 |
| Credit History | 4 | $110,000 | $27,000 | $35,000 | $86,000 | $124,000 |
| Employment History | 2 | $290,000 | $145,000 | $265,000 | $63,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $136,000 | $136,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $51,000 | $51,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About