Largest lenders in Kossuth County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Northwest Bank | A | 87 | 64 | 6.9% | 5.88% |
| 2 | Iowa Bankers Mortgage | B | 33 | 15 | 36.4% | 6.25% |
| 3 | Flanagan State Bank | D | 27 | 22 | 7.4% | 6.63% |
| 4 | Rocket Mortgage | C | 15 | 9 | 33.3% | 6.75% |
| 5 | Fidelity Bank & Trust | A | 11 | 11 | 0.0% | 5.95% |
| 6 | United Shore Financial Services | B | 11 | 7 | 18.2% | 6.61% |
| 7 | Plaza Home Mortgage | C | 9 | 9 | 0.0% | 6.63% |
| 8 | Mortgage Research Center | C | 9 | 3 | 55.6% | 6.25% |
| 9 | Broker Solutions | D | 8 | 2 | 0.0% | 7.00% |
| 10 | Farm Credit Mid-America | D | 8 | 3 | 12.5% | 7.13% |
| 11 | Plains Commerce Bank | B | 7 | 3 | 0.0% | 6.75% |
| 12 | Veridian Credit Union | B | 7 | 3 | 14.3% | 6.88% |
| 13 | Coastal Community Bank | C | 7 | 1 | 0.0% | 14.99% |
| 14 | Pennymac Loan Services | C | 6 | 2 | 0.0% | 5.75% |
| 15 | GREENSTATE Credit Union | B | 6 | 4 | 0.0% | 6.75% |
| 16 | U.S. Bank | D | 5 | 5 | 0.0% | 6.63% |
| 17 | Newrez | D | 5 | 0 | 20.0% | — |
Best approval odds in Kossuth County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Northwest Bank | 74 | 8.1% |
What Kossuth County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Kossuth County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 248 | 171 | 10.5% | 6.75% | $75,000 |
| 2024 | 287 | 196 | 16.4% | 6.75% | $95,000 |
| 2025 | 342 | 206 | 14.3% | 6.63% | $105,000 |
Frequently asked questions
14.3% of applications in Kossuth County were denied in 2025, against 12.9% statewide in Iowa.
Northwest Bank, with 87 applications in 2025 and a denial rate of 6.9%.
The median mortgage application in Kossuth County in 2025 was for $105,000; the median property value on originated loans was $175,000.