Mortgage lending in Shelby County, Iowa
Lenders in Shelby County, Iowa reported 402 mortgage applications for 2025, according to the CFPB.
402 mortgage applications and 279 loans originated in 2025; the denial rate was 17.1% of 345 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Shelby County, IA.
- 402
- Applications
- 279
- Loans originated
- 17.1%
- Denial rate
- 59 denied of 345 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 402 | 279 |
| 2024 | 338 | 248 |
| 2023 | 250 | 188 |
| 2022 | 312 | 222 |
| 2021 | 440 | 295 |
| 2020 | 418 | 301 |
| 2019 | 253 | 169 |
| 2018 | 293 | 190 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Shelby County State Bank | 69 | 75 |
| Iowa Bankers Mortgage Corporation | 24 | 27 |
| Rocket Mortgage | 19 | 25 |
| Farmers Trust and Savings Bank | 16 | 16 |
| Community 1st Credit Union | 10 | 27 |
| United Bank of Iowa | 7 | 12 |
| CMG Mortgage Inc | 7 | 9 |
| Midstates Bank NA | 6 | 6 |
| Centris Federal Credit Union | 6 | 10 |
| United Wholesale Mortgage | 5 | 11 |
| Plains Commerce Bank | 5 | 5 |
| Ark-LA-Tex Financial Services LLC | 4 | 4 |
| Arbor Bank | 4 | 4 |
| Guild Mortgage Company | 4 | 4 |
| Newrez LLC | 4 | 5 |
| Rolling Hills Bank & Trust | 4 | 4 |
| West Gate Bank | 4 | 4 |
| Amerisave Mortgage Company | 4 | 8 |
| Wells Fargo Bank NA | 4 | 4 |
| Coastal Community Bank | 3 | 6 |
| Glenwood State Bank | 3 | 3 |
| Mortgage Research Center | 3 | 9 |
| Veridian Credit Union | 3 | 5 |
| US Bank, N.A. | 3 | 4 |
| Flanagan State Bank | 2 | 3 |
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 | 334 | 16.5% of 291 decided |
| Joint | under 10 | |
| Race Not Available | 58 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 326 | 15.7% of 286 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 60 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 142 | 20.7% of 116 decided |
| Female | 60 | no rate: base under 50 |
| Joint | 152 | 13.5% of 141 decided |
| Sex Not Available | 48 | 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. 2557 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