Largest lenders in Hamilton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | GREENSTATE Credit Union | B | 30 | 21 | 16.7% | 6.49% |
| 2 | Availa Bank | C | 29 | 24 | 6.9% | — |
| 3 | Veridian Credit Union | B | 18 | 16 | 0.0% | 6.56% |
| 4 | Iowa Bankers Mortgage | B | 18 | 14 | 16.7% | 6.50% |
| 5 | Rocket Mortgage | C | 17 | 7 | 41.2% | 5.99% |
| 6 | Freedom Mortgage | B | 11 | 3 | 18.2% | 6.13% |
| 7 | Community Choice Credit Union | B | 11 | 8 | 27.3% | 5.99% |
| 8 | Broker Solutions | D | 10 | 8 | 20.0% | 7.25% |
| 9 | Mortgage Research Center | C | 10 | 6 | 20.0% | 6.63% |
| 10 | Greater Iowa Credit Union | D | 10 | 9 | 10.0% | 6.74% |
| 11 | Farm Credit Mid-America | D | 9 | 2 | 55.6% | 7.06% |
| 12 | USAA Federal Savings Bank | C | 7 | 1 | 57.1% | 6.13% |
| 13 | U.S. Bank | D | 7 | 2 | 42.9% | 6.79% |
| 14 | Cardinal Financial Company, Limited Partnership | B | 6 | 5 | 16.7% | 7.25% |
| 15 | Exchange State Bank | – | 6 | 6 | 0.0% | — |
| 16 | Reliance State Bank | – | 6 | 5 | 0.0% | — |
| 17 | RIVER VALLEY Credit Union | – | 5 | 5 | 0.0% | — |
| 18 | Guild Mortgage | A | 5 | 3 | 0.0% | 6.63% |
| 19 | Land Home Financial Services | C | 5 | 3 | 0.0% | 6.38% |
| 20 | Gnb Bank | B | 5 | 5 | 0.0% | — |
| 21 | Visionbank of Iowa | – | 5 | 4 | 0.0% | — |
What Hamilton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hamilton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 310 | 197 | 16.1% | 6.88% | $115,000 |
| 2024 | 283 | 175 | 16.6% | 6.75% | $115,000 |
| 2025 | 347 | 230 | 16.1% | 6.50% | $125,000 |
Frequently asked questions
16.1% of applications in Hamilton County were denied in 2025, against 12.9% statewide in Iowa.
GREENSTATE Credit Union, with 30 applications in 2025 and a denial rate of 16.7%.
The median mortgage application in Hamilton County in 2025 was for $125,000; the median property value on originated loans was $195,000.