Warren County, Iowa
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,364 mortgage applications in Warren County, Iowa, for 2024, and originated 1,689 loans worth $371m.
That is 81.7 originations per 1,000 households, against 51.5 for Iowa and 48.0 nationally.
The county's denial rate was 13.1%, below the state rate of 15.9%. The median rate spread on originated loans was 0.1 percentage points and 13.0% of originations were 1.5 points or more above the average prime offer rate.
25 lenders reached 25 applications in the county; the most active by originations were Veridian Credit Union (142), Greenstate Credit Union (142) and DHI Mortgage Company, LTD. (84).
Originations were up 10% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Veridian Credit Union | 227 | 142 | $21m | 21.3% | — |
| 2 | Greenstate Credit Union | 200 | 142 | $29m | 7.5% | — |
| 3 | DHI Mortgage Company, LTD. | 107 | 84 | $23m | 4.5% | — |
| 4 | Community Choice Credit Union | 94 | 74 | $13m | 12.9% | — |
| 5 | Homeservices Lending LLC | 80 | 66 | $16m | 2.9% | — |
| 6 | Iowa Bankers Mortgage Corporation | 76 | 62 | $19m | 8.7% | — |
| 7 | New American Funding, LLC. | 73 | 59 | $11m | 1.6% | — |
| 8 | Rocket Mortgage | 69 | 54 | $13m | 9.8% | — |
| 9 | Gershman Investment Corp. | 52 | 44 | $11m | 0.0% | — |
| 10 | Premier Credit Union | 41 | 41 | $4.2m | 0.0% | — |
| 11 | United Wholesale Mortgage | 46 | 39 | $11m | 4.9% | — |
| 12 | Luana Savings Bank | 45 | 39 | $11m | 2.4% | — |
| 13 | Community 1st Credit Union | 56 | 37 | $3.4m | 22.9% | — |
| 14 | TruBank | 36 | 33 | $6.0m | 0.0% | — |
| 15 | Fortress Bank | 38 | 32 | $7.7m | 3.0% | — |
| 16 | Greater Iowa Credit Union | 48 | 31 | $3.2m | 17.8% | — |
| 17 | City State Bank | 35 | 25 | $6.3m | 16.1% | — |
| 18 | Northwest Bank | 32 | 25 | $8.3m | 7.4% | — |
| 19 | Fidelity Bank | 29 | 25 | $7.0m | 0.0% | — |
| 20 | Barrington Bank & Trust Company, N.A. | 27 | 24 | $6.2m | 4.0% | — |
| 21 | Us Bank, N.A. | 32 | 21 | $4.6m | 23.3% | — |
| 22 | Mortgage Research Center | 39 | 18 | $7.1m | 28.0% | — |
| 23 | Wells Fargo Bank NA | 27 | 18 | $3.4m | — | — |
| 24 | Newrez LLC | 33 | 16 | $5.0m | — | — |
| 25 | American Pacific Mortgage Corporation | 25 | 16 | $3.1m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 25. Denial rate is denials over decided applications in this county.
Compared with Iowa and the nation
| Measure | This county | Iowa | United States |
|---|---|---|---|
| Denial rate | 13.1% | 15.9% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.0% | 15.6% | 15.6% |
| Average originated loan | $220k | $187k | $329k |
| Originations per 1,000 households | 81.7 | 51.5 | 48.0 |
| Home purchase share of originations | 59.6% | 57.7% | 57.0% |
| FHA-insured share | 10.1% | 8.2% | 13.4% |
| VA-guaranteed share | 8.3% | 5.2% | 7.9% |
Rate spread distribution
Share of 1,408 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Iowa). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 60% (1,006)Home improvement 9% (145)Refinancing 13% (215)Cash-out refinancing 8% (131)Other purpose 11% (191)
By type
Conventional 81% (1,360)FHA 10% (171)VA 8% (141)USDA 1% (17)
Trend by year
ApplicationsOriginations
This countyIowa
Questions and answers
Which lenders are most active in Warren County, IA?
By 2024 originations: Veridian Credit Union (142), Greenstate Credit Union (142), DHI Mortgage Company, LTD. (84), Community Choice Credit Union (74), Homeservices Lending LLC (66). 25 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Warren County?
13.1% of decided applications were denied in 2024, against 15.9% across Iowa and 24.3% nationally.
How many mortgages were originated in Warren County in 2024?
1,689 loans totalling $371m, from 2,364 applications; 81.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 19181; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.