Largest lenders in Guthrie County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guthrie County State Bank | – | 39 | 37 | 2.6% | — |
| 2 | Community Choice Credit Union | B | 34 | 23 | 8.8% | 6.00% |
| 3 | Veridian Credit Union | B | 28 | 19 | 17.9% | 6.74% |
| 4 | First State Bank | – | 24 | 17 | 16.7% | — |
| 5 | Rocket Mortgage | C | 24 | 12 | 37.5% | 6.75% |
| 6 | GREENSTATE Credit Union | B | 23 | 19 | 8.7% | 6.50% |
| 7 | Peoples Bank | B | 15 | 12 | 0.0% | — |
| 8 | Pennymac Loan Services | C | 11 | 7 | 0.0% | 6.99% |
| 9 | Stockton Mortgage | D | 10 | 10 | 0.0% | 6.19% |
| 10 | Iowa Bankers Mortgage | B | 10 | 9 | 0.0% | 6.50% |
| 11 | CMG Mortgage | A | 9 | 3 | 11.1% | 7.70% |
| 12 | U.S. Bank | D | 8 | 3 | 37.5% | 6.88% |
| 13 | Barrington Bank & Trust Company | C | 7 | 5 | 14.3% | 6.75% |
| 14 | Homeservices Lending | B | 7 | 5 | 14.3% | 6.38% |
| 15 | Broker Solutions | D | 7 | 5 | 14.3% | 6.38% |
| 16 | Farm Credit Mid-America | D | 7 | 5 | 0.0% | 7.13% |
| 17 | AmeriSave Mortgage | D | 6 | 1 | 50.0% | 6.38% |
| 18 | United Shore Financial Services | B | 6 | 2 | 33.3% | 5.88% |
| 19 | Guild Mortgage | A | 6 | 3 | 0.0% | 6.99% |
| 20 | Wells Fargo Bank | B | 5 | 2 | 20.0% | 7.38% |
| 21 | Charter Bank | – | 5 | 5 | 0.0% | — |
| 22 | Rolling Hills Bank & Trust | – | 5 | 5 | 0.0% | — |
| 23 | Mortgage Research Center | C | 5 | 1 | 40.0% | 6.75% |
| 24 | Greater Iowa Credit Union | D | 5 | 4 | 0.0% | 6.75% |
| 25 | Fidelity Bank | A | 5 | 4 | 0.0% | — |
What Guthrie County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Guthrie County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 341 | 241 | 13.2% | 6.85% | $145,000 |
| 2024 | 369 | 262 | 11.1% | 6.75% | $145,000 |
| 2025 | 469 | 317 | 13.4% | 6.63% | $155,000 |
Frequently asked questions
13.4% of applications in Guthrie County were denied in 2025, against 12.9% statewide in Iowa.
Guthrie County State Bank, with 39 applications in 2025 and a denial rate of 2.6%.
The median mortgage application in Guthrie County in 2025 was for $155,000; the median property value on originated loans was $305,000.