Largest lenders in Dickinson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Northwest Bank | A | 277 | 232 | 4.3% | 6.50% |
| 2 | Central Bank | A | 95 | 83 | 3.2% | 7.00% |
| 3 | Rocket Mortgage | C | 29 | 23 | 10.3% | 6.49% |
| 4 | Bank Midwest | B | 22 | 14 | 9.1% | — |
| 5 | U.S. Bank | D | 17 | 11 | 17.7% | 6.99% |
| 6 | United Shore Financial Services | B | 15 | 9 | 20.0% | 6.00% |
| 7 | American State Bank | A | 15 | 14 | 0.0% | — |
| 8 | Pennymac Loan Services | C | 14 | 5 | 0.0% | 6.63% |
| 9 | Iowa Bankers Mortgage | B | 14 | 9 | 21.4% | 6.50% |
| 10 | GREENSTATE Credit Union | B | 13 | 12 | 0.0% | 7.06% |
| 11 | Mortgage Research Center | C | 11 | 5 | 9.1% | 5.75% |
| 12 | Freedom Mortgage | B | 8 | 4 | 0.0% | 6.00% |
| 13 | Plains Commerce Bank | B | 8 | 4 | 0.0% | 6.69% |
| 14 | Veridian Credit Union | B | 8 | 2 | 12.5% | 6.06% |
| 15 | Primebank | A | 8 | 8 | 0.0% | — |
| 16 | First Colony Mortgage | A | 8 | 5 | 0.0% | 5.99% |
| 17 | V.i.p. Mortgage | B | 7 | 7 | 0.0% | 6.50% |
| 18 | Loandepot.Com | D | 7 | 4 | 28.6% | 6.93% |
| 19 | The Security National Bank of Sioux City, Iowa | C | 7 | 7 | 0.0% | — |
| 20 | Broker Solutions | D | 6 | 3 | 0.0% | 7.37% |
| 21 | Peoples Bank | C | 6 | 5 | 0.0% | — |
| 22 | Homebridge Financial Services | B | 5 | 4 | 20.0% | 11.36% |
Best approval odds in Dickinson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Central Bank | 87 | 3.5% |
| 2 | Northwest Bank | 246 | 4.9% |
What Dickinson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dickinson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 687 | 526 | 7.4% | 6.99% | $205,000 |
| 2024 | 779 | 571 | 10.3% | 6.75% | $205,000 |
| 2025 | 783 | 578 | 8.4% | 6.63% | $225,000 |
Frequently asked questions
8.4% of applications in Dickinson County were denied in 2025, against 12.9% statewide in Iowa.
Northwest Bank, with 277 applications in 2025 and a denial rate of 4.3%.
The median mortgage application in Dickinson County in 2025 was for $225,000; the median property value on originated loans was $415,000.