Largest lenders in Clinton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Central State Bank | B | 123 | 109 | 7.3% | 6.38% |
| 2 | ASCENTRA Credit Union | C | 120 | 81 | 17.5% | 6.50% |
| 3 | Broker Solutions | D | 117 | 84 | 3.4% | 6.88% |
| 4 | U.S. Bank | D | 96 | 65 | 19.8% | 6.88% |
| 5 | GREENSTATE Credit Union | B | 76 | 59 | 5.3% | 6.49% |
| 6 | Rocket Mortgage | C | 59 | 36 | 30.5% | 6.50% |
| 7 | United Shore Financial Services | B | 34 | 26 | 5.9% | 6.12% |
| 8 | Mortgage Research Center | C | 33 | 18 | 21.2% | 6.44% |
| 9 | CMG Mortgage | A | 31 | 27 | 0.0% | 6.75% |
| 10 | Ruhl Mortgage | A | 25 | 22 | 4.0% | 6.13% |
| 11 | Du Trac Community Credit Union | A | 25 | 16 | 20.0% | 6.13% |
| 12 | Iowa Bankers Mortgage | B | 23 | 16 | 17.4% | 6.25% |
| 13 | Lower | C | 22 | 16 | 18.2% | 6.75% |
| 14 | I. H. Mississippi Valley Credit Union | B | 22 | 15 | 9.1% | 6.13% |
| 15 | Loandepot.Com | D | 21 | 10 | 38.1% | 6.31% |
| 16 | Freedom Mortgage | B | 17 | 4 | 0.0% | 6.75% |
| 17 | AmeriSave Mortgage | D | 14 | 0 | 85.7% | — |
| 18 | Empeople Credit Union | C | 13 | 10 | 7.7% | 6.37% |
| 19 | Newrez | D | 12 | 5 | 25.0% | 6.25% |
| 20 | Pennymac Loan Services | C | 11 | 2 | 36.4% | 6.56% |
| 21 | New Day Financial | F | 10 | 2 | 40.0% | 7.50% |
| 22 | Plains Commerce Bank | B | 10 | 5 | 20.0% | 6.13% |
| 23 | Marine Credit Union | F | 10 | 5 | 40.0% | 9.38% |
| 24 | Guaranteed Rate | B | 9 | 5 | 0.0% | 6.55% |
| 25 | Nationstar Mortgage | C | 9 | 6 | 22.2% | 6.81% |
Best approval odds in Clinton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Broker Solutions | 88 | 4.6% |
| 2 | GREENSTATE Credit Union | 65 | 6.2% |
| 3 | First Central State Bank | 120 | 7.5% |
| 4 | ASCENTRA Credit Union | 102 | 20.6% |
| 5 | U.S. Bank | 86 | 22.1% |
| 6 | Rocket Mortgage | 54 | 33.3% |
What Clinton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clinton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 946 | 591 | 17.0% | 6.75% | $95,000 |
| 2024 | 1,000 | 656 | 16.5% | 6.75% | $105,000 |
| 2025 | 1,220 | 811 | 14.8% | 6.50% | $115,000 |
Frequently asked questions
14.8% of applications in Clinton County were denied in 2025, against 12.9% statewide in Iowa.
First Central State Bank, with 123 applications in 2025 and a denial rate of 7.3%.
The median mortgage application in Clinton County in 2025 was for $115,000; the median property value on originated loans was $175,000.