Largest lenders in Bremer County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Veridian Credit Union | B | 369 | 303 | 4.1% | 6.50% |
| 2 | GREENSTATE Credit Union | B | 109 | 94 | 2.8% | 6.63% |
| 3 | Farmers State Bank | B | 70 | 45 | 11.4% | 6.88% |
| 4 | Fidelity Bank & Trust | A | 45 | 41 | 2.2% | 5.91% |
| 5 | First Bank | A | 39 | 33 | 7.7% | — |
| 6 | Cedar Falls Community Credit Union | A | 29 | 27 | 0.0% | 5.88% |
| 7 | Denver Savings Bank | – | 27 | 26 | 0.0% | — |
| 8 | Dupaco Community | A | 23 | 17 | 26.1% | 7.00% |
| 9 | Empeople Credit Union | C | 23 | 18 | 13.0% | 6.49% |
| 10 | West Gate Bank | A | 16 | 14 | 0.0% | 6.31% |
| 11 | Rocket Mortgage | C | 16 | 12 | 18.8% | 6.13% |
| 12 | Mortgage Research Center | C | 16 | 8 | 18.8% | 6.25% |
| 13 | Pennymac Loan Services | C | 15 | 8 | 6.7% | 9.49% |
| 14 | Readlyn Savings Bank | – | 15 | 15 | 0.0% | — |
| 15 | Iowa Bankers Mortgage | B | 14 | 12 | 14.3% | 6.19% |
| 16 | Security State Bank | A | 14 | 14 | 0.0% | — |
| 17 | Northeast Security Bank | – | 12 | 12 | 0.0% | — |
| 18 | BankIowa of Cedar Rapids | C | 9 | 8 | 11.1% | — |
| 19 | CUSB Bank | C | 9 | 7 | 11.1% | — |
| 20 | AmeriSave Mortgage | D | 8 | 0 | 75.0% | — |
| 21 | U.S. Bank | D | 7 | 5 | 14.3% | 7.95% |
| 22 | Newrez | D | 7 | 0 | 28.6% | — |
| 23 | Broker Solutions | D | 7 | 0 | 14.3% | — |
| 24 | Collins Community Credit Union | C | 6 | 3 | 50.0% | 7.75% |
| 25 | 21st Mortgage | F | 5 | 1 | 80.0% | 9.59% |
Best approval odds in Bremer County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | GREENSTATE Credit Union | 100 | 3.0% |
| 2 | Veridian Credit Union | 320 | 4.7% |
| 3 | Farmers State Bank | 69 | 11.6% |
What Bremer County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bremer County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 870 | 646 | 9.3% | 6.90% | $105,000 |
| 2024 | 880 | 659 | 9.7% | 6.77% | $100,000 |
| 2025 | 1,018 | 794 | 7.8% | 6.50% | $115,000 |
Frequently asked questions
7.8% of applications in Bremer County were denied in 2025, against 12.9% statewide in Iowa.
Veridian Credit Union, with 369 applications in 2025 and a denial rate of 4.1%.
The median mortgage application in Bremer County in 2025 was for $115,000; the median property value on originated loans was $255,000.