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Warren County, Iowa · 2025

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

199 lenders acted on 2,782 mortgage applications for properties in Warren County in 2025. 11.2% were denied (Iowa: 12.9%). Median rate on closed loans 6.49%; median loan $205,000; median property value $325,000.

2.8kApplications
11.2%Denial ratestate 12.9%
6.49%Median ratestate 6.50%
$205,000Median loan
$325,000Median property value

Largest lenders in Warren County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 GREENSTATE Credit Union B 283214 8.1%6.50%
2 Community Choice Credit Union B 210159 5.7%6.13%
3 Veridian Credit Union B 194147 10.8%6.49%
4 Rocket Mortgage C 11685 15.5%6.63%
5 Dhi Mortgage Company B 10678 7.6%5.50%
6 Iowa Bankers Mortgage B 8263 14.6%6.38%
7 Greater Iowa Credit Union D 6843 11.8%6.74%
8 Community 1st Credit Union D 6540 18.5%1.00%
9 Broker Solutions D 6540 6.2%6.88%
10 United Shore Financial Services B 5641 14.3%6.13%
11 Mortgage Research Center C 5533 14.6%6.13%
12 Trubank – 4844 4.2%—
13 Peoples Savings Bank – 4741 2.1%—
14 Premier Credit Union A 4545 0.0%6.75%
15 Pennymac Loan Services C 4226 9.5%6.63%
16 Gershman Investment B 4234 0.0%6.38%
17 Luana Savings Bank A 4239 0.0%6.00%
18 Homeservices Lending B 4235 2.4%6.38%
19 Newrez D 4018 25.0%6.19%
20 Fidelity Bank A 3932 5.1%—
21 Northwest Bank A 3833 2.6%6.50%
22 U.S. Bank D 3625 16.7%8.20%
23 Bankers Trust B 3527 8.6%6.49%
24 Central Bank A 3329 3.0%6.38%
25 Freedom Mortgage B 3314 12.1%6.25%

Best approval odds in Warren County

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

#LenderDecidedDecision denial rate
1Community Choice Credit Union1717.0%
2Dhi Mortgage Company879.2%
3GREENSTATE Credit Union2469.4%
4Veridian Credit Union17012.4%
5United Shore Financial Services5215.4%
6Greater Iowa Credit Union5115.7%
7Iowa Bankers Mortgage7516.0%
8Rocket Mortgage10816.7%
9Community 1st Credit Union5223.1%

What Warren County borrowers applied for

By loan purpose

Home purchase 1,310 47% · 5.8% denied
Refinance 536 19% · 12.1% denied
Cash-out refinance 371 13% · 21.3% denied
Home improvement 249 9% · 14.1% denied
Other / HELOC 316 11% · 17.7% denied

By loan type

Conventional 2,230 80% · 10.5% denied
FHA 278 10% · 18.0% denied
VA 250 9% · 10.0% denied
USDA / RHS 24 1% · 12.5% denied

Why applications were denied

Debt-to-income ratio 96 32%
Credit history 93 31%
Collateral 36 12%
Incomplete application 29 10%
Other 24 8%
Unverifiable information 11 4%
Insufficient cash 8 3%
Employment history 3 1%

Warren County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,1651,52910.5%6.63%$175,000
20242,3641,68911.2%6.63%$195,000
20252,7821,96411.2%6.49%$205,000

Frequently asked questions

11.2% of applications in Warren County were denied in 2025, against 12.9% statewide in Iowa.

GREENSTATE Credit Union, with 283 applications in 2025 and a denial rate of 8.1%.

The median mortgage application in Warren County in 2025 was for $205,000; the median property value on originated loans was $325,000.