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Hardin County, Iowa · 2025

Mortgage lenders in Hardin County, IA: denial rates and top lenders (2025)

92 lenders acted on 459 mortgage applications for properties in Hardin County in 2025. 18.1% were denied (Iowa: 12.9%). Median rate on closed loans 6.50%; median loan $105,000; median property value $155,000.

459Applications
18.1%Denial ratestate 12.9%
6.50%Median ratestate 6.50%
$105,000Median loan
$155,000Median property value

Largest lenders in Hardin County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Veridian Credit Union B 3927 10.3%6.49%
2 Green Belt Bank & Trust – 3529 11.4%—
3 Iowa Bankers Mortgage B 3423 26.5%6.50%
4 Gnb Bank B 3021 13.3%—
5 Rocket Mortgage C 2517 20.0%6.50%
6 GREENSTATE Credit Union B 2418 8.3%7.00%
7 MEMBERS1st Community Credit Union B 1916 15.8%6.75%
8 Mortgage Research Center C 1810 16.7%6.19%
9 Peoples Savings Bank – 1414 0.0%—
10 Cardinal Financial Company, Limited Partnership B 1010 0.0%7.25%
11 United Shore Financial Services B 103 50.0%6.13%
12 Community Choice Credit Union B 96 22.2%6.12%
13 Freedom Mortgage B 82 50.0%5.81%
14 Broker Solutions D 84 0.0%6.63%
15 AmeriSave Mortgage D 70 100.0%—
16 American Pacific Mortgage C 74 0.0%6.63%
17 Guild Mortgage A 66 0.0%6.50%
18 Marine Credit Union F 62 33.3%9.12%
19 Dupaco Community A 53 20.0%7.49%
20 West Gate Bank A 55 0.0%6.63%
21 Spring Eq D 50 40.0%—
22 Greater Iowa Credit Union D 55 0.0%6.49%
23 Land Home Financial Services C 54 0.0%6.75%
24 Coastal Community Bank C 51 0.0%6.99%
25 Exchange State Bank – 55 0.0%—

What Hardin County borrowers applied for

By loan purpose

Home purchase 242 53% · 11.2% denied
Refinance 64 14% · 15.6% denied
Cash-out refinance 64 14% · 31.3% denied
Home improvement 40 9% · 22.5% denied
Other / HELOC 49 11% · 34.7% denied

By loan type

Conventional 333 73% · 17.1% denied
FHA 58 13% · 25.9% denied
VA 45 10% · 13.3% denied
USDA / RHS 23 5% · 21.7% denied

Why applications were denied

Collateral 18 24%
Credit history 17 23%
Incomplete application 12 16%
Debt-to-income ratio 10 13%
Other 9 12%
Insufficient cash 7 9%
Employment history 1 1%
Unverifiable information 1 1%

Hardin County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202336522816.2%6.75%$95,000
202435822419.6%6.75%$85,000
202545930118.1%6.50%$105,000

Frequently asked questions

18.1% of applications in Hardin County were denied in 2025, against 12.9% statewide in Iowa.

Veridian Credit Union, with 39 applications in 2025 and a denial rate of 10.3%.

The median mortgage application in Hardin County in 2025 was for $105,000; the median property value on originated loans was $155,000.