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Scott County, Iowa · 2025

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

256 lenders acted on 6,504 mortgage applications for properties in Scott County in 2025. 11.5% were denied (Iowa: 12.9%). Median rate on closed loans 6.50%; median loan $155,000; median property value $255,000.

6.5kApplications
11.5%Denial ratestate 12.9%
6.50%Median ratestate 6.50%
$155,000Median loan
$255,000Median property value

Largest lenders in Scott County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 GREENSTATE Credit Union B 907719 4.6%6.49%
2 ASCENTRA Credit Union C 364271 12.1%6.50%
3 Broker Solutions D 344248 4.4%6.63%
4 Ruhl Mortgage A 325271 0.3%6.25%
5 I. H. Mississippi Valley Credit Union B 307227 9.1%6.25%
6 Empeople Credit Union C 293209 11.6%6.38%
7 Lower C 259202 3.5%6.75%
8 Rocket Mortgage C 186134 19.9%6.63%
9 U.S. Bank D 18595 24.9%7.63%
10 United Shore Financial Services B 180137 8.3%6.35%
11 R.I.A. Federal Credit Union D 172124 17.4%5.75%
12 Guaranteed Rate B 10983 0.0%6.50%
13 The Family D 10776 21.5%7.62%
14 Mortgage Research Center C 10651 8.5%6.25%
15 American Bank and Trust Company B 10084 5.0%6.50%
16 Freedom Mortgage B 9035 10.0%6.25%
17 CBI Bank & Trust C 8969 13.5%7.13%
18 Du Trac Community Credit Union A 8983 2.3%5.88%
19 First Central State Bank B 8769 10.3%—
20 Bankorion C 8676 5.8%—
21 Newrez D 8337 15.7%6.25%
22 Blue Grass Savings Bank A 7979 0.0%—
23 Quad City Bank and Trust A 7466 4.1%—
24 21st Mortgage F 7320 56.2%11.06%
25 Pennymac Loan Services C 6828 8.8%6.13%

Best approval odds in Scott County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Blue Grass Savings Bank790.0%
2Guaranteed Rate840.0%
3Ruhl Mortgage2750.4%
4Fairway Independent Mortgage551.8%
5Du Trac Community Credit Union862.3%
6Lower2144.2%
7Quad City Bank and Trust704.3%
8GREENSTATE Credit Union7935.3%
9American Bank and Trust Company925.4%
10Broker Solutions2685.6%

What Scott County borrowers applied for

By loan purpose

Home purchase 3,312 51% · 5.7% denied
Refinance 1,125 17% · 9.0% denied
Cash-out refinance 799 12% · 20.3% denied
Home improvement 498 8% · 22.3% denied
Other / HELOC 770 12% · 23.8% denied

By loan type

Conventional 5,185 80% · 11.4% denied
FHA 719 11% · 15.7% denied
VA 592 9% · 6.8% denied
USDA / RHS 8 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 234 33%
Credit history 208 29%
Collateral 93 13%
Incomplete application 90 13%
Other 52 7%
Unverifiable information 18 3%
Insufficient cash 15 2%
Employment history 9 1%

Scott County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,3373,65411.4%6.75%$125,000
20245,8904,05912.5%6.63%$135,000
20256,5044,49611.5%6.50%$155,000

Frequently asked questions

11.5% of applications in Scott County were denied in 2025, against 12.9% statewide in Iowa.

GREENSTATE Credit Union, with 907 applications in 2025 and a denial rate of 4.6%.

The median mortgage application in Scott County in 2025 was for $155,000; the median property value on originated loans was $255,000.