Mortgage lending in Guthrie County, Iowa
Lenders in Guthrie County, Iowa reported 469 mortgage applications for 2025, according to the CFPB.
469 mortgage applications and 317 loans originated in 2025; the denial rate was 16.0% of 393 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Des Moines-West Des Moines, IA HUD Metro FMR Area.
- 469
- Applications
- 317
- Loans originated
- 16.0%
- Denial rate
- 63 denied of 393 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 469 | 317 |
| 2024 | 369 | 262 |
| 2023 | 341 | 241 |
| 2022 | 427 | 301 |
| 2021 | 674 | 465 |
| 2020 | 630 | 456 |
| 2019 | 504 | 367 |
| 2018 | 451 | 323 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guthrie County State Bank | 37 | 39 |
| Community Choice Credit Union | 23 | 34 |
| Veridian Credit Union | 19 | 28 |
| Greenstate Credit Union | 19 | 23 |
| First State Bank | 17 | 24 |
| Peoples Bank | 12 | 15 |
| Rocket Mortgage | 12 | 24 |
| Stockton Mortgage Corporation | 10 | 10 |
| Iowa Bankers Mortgage Corporation | 9 | 10 |
| Pennymac Loan Services LLC | 7 | 11 |
| Premier Credit Union | 5 | 5 |
| Farm Credit Mid-America, Aca | 5 | 7 |
| New American Funding, LLC. | 5 | 7 |
| Homeservices Lending LLC | 5 | 7 |
| Rolling Hills Bank & Trust | 5 | 5 |
| Charter Bank | 5 | 5 |
| Barrington Bank & Trust Company, N.A. | 5 | 7 |
| Raccoon Valley Bank | 4 | 4 |
| Fidelity Bank | 4 | 5 |
| Greater Iowa Credit Union | 4 | 5 |
| Northwest Bank | 4 | 4 |
| Empeople Credit Union | 3 | 5 |
| Midwest Heritage Bank FSB | 3 | 4 |
| Land Home Financial Services, | 3 | 3 |
| Guild Mortgage Company | 3 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 399 | 15.7% of 338 decided |
| 2 or more minority races | under 10 | |
| Race Not Available | 64 | 18.9% of 53 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 379 | 15.3% of 321 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 74 | 18.0% of 61 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 140 | 23.0% of 113 decided |
| Female | 77 | 18.8% of 64 decided |
| Joint | 198 | 11.0% of 173 decided |
| Sex Not Available | 54 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1740 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved