Largest lenders in Tama County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Veridian Credit Union | B | 61 | 45 | 4.9% | 6.49% |
| 2 | GREENSTATE Credit Union | B | 60 | 44 | 8.3% | 6.75% |
| 3 | Rocket Mortgage | C | 22 | 17 | 18.2% | 6.63% |
| 4 | Chelsea Savings Bank | – | 18 | 18 | 0.0% | — |
| 5 | Mld Mortgage | A | 16 | 14 | 6.3% | 6.88% |
| 6 | Guaranteed Rate | B | 14 | 7 | 0.0% | 6.38% |
| 7 | Farmers Savings Bank & Trust | – | 14 | 11 | 0.0% | — |
| 8 | Iowa Bankers Mortgage | B | 13 | 7 | 46.2% | 6.50% |
| 9 | MEMBERS1st Community Credit Union | B | 13 | 13 | 0.0% | 6.99% |
| 10 | Dupaco Community | A | 9 | 8 | 11.1% | 8.00% |
| 11 | Mortgage Research Center | C | 9 | 7 | 22.2% | 6.25% |
| 12 | Freedom Mortgage | B | 8 | 1 | 12.5% | 6.25% |
| 13 | Broker Solutions | D | 8 | 3 | 0.0% | 6.50% |
| 14 | Pennymac Loan Services | C | 7 | 4 | 14.3% | 8.69% |
| 15 | Wells Fargo Bank | B | 7 | 6 | 14.3% | 6.44% |
| 16 | MidWestOne Bank | A | 6 | 4 | 33.3% | 7.85% |
| 17 | Guild Mortgage | A | 6 | 5 | 0.0% | 6.31% |
| 18 | Northeast Security Bank | – | 6 | 6 | 0.0% | — |
| 19 | Empeople Credit Union | C | 6 | 4 | 16.7% | 6.37% |
| 20 | United Shore Financial Services | B | 5 | 3 | 20.0% | 5.63% |
| 21 | Bankers' Bank | C | 5 | 4 | 0.0% | 6.25% |
| 22 | Coastal Community Bank | C | 5 | 1 | 0.0% | 13.24% |
| 23 | Gnb Bank | B | 5 | 5 | 0.0% | — |
Best approval odds in Tama County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | GREENSTATE Credit Union | 51 | 9.8% |
What Tama County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Tama County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 351 | 236 | 14.3% | 6.88% | $85,000 |
| 2024 | 377 | 238 | 15.9% | 6.96% | $105,000 |
| 2025 | 440 | 311 | 10.5% | 6.63% | $105,000 |
Frequently asked questions
10.5% of applications in Tama County were denied in 2025, against 12.9% statewide in Iowa.
Veridian Credit Union, with 61 applications in 2025 and a denial rate of 4.9%.
The median mortgage application in Tama County in 2025 was for $105,000; the median property value on originated loans was $165,000.