Tier 2 · Standard · quality score 57/100
Research mortgage companies in Polk County, Iowa
2 in-county HQ companies. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Polk County
Source: 2025 HMDA · Iowa (IA) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional85.8% · 11,890
- FHA8.8% · 1,212
- VA5.3% · 727
- USDA / RHS0.0% · 30
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Polk County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| GREENSTATE Credit Union | 1,906 | 13.8% |
| VERIDIAN CREDIT UNION | 1,683 | 12.1% |
| Community Choice Credit Union | 1,020 | 7.4% |
| Rocket Mortgage, LLC | 455 | 3.3% |
| Northwest Bank | 365 | 2.6% |
| II61D6IY86YZ37HBBL25 | 338 | 2.4% |
| NEW AMERICAN FUNDING, LLC | 322 | 2.3% |
| U.S. Bank National Association | 312 | 2.3% |
| United Wholesale Mortgage, LLC | 307 | 2.2% |
| 2549004WBDC394DA3W87 | 272 | 2.0% |
| 549300FYXKL13UG7P021 | 259 | 1.9% |
| GUARANTEED RATE, INC. | 257 | 1.9% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Loan-program research entry points
Educational pathways only. Confirm product eligibility and pricing with any company and primary sources — these are not live lender quotes.
- Conventional
Baseline purchase & refinance themes — educational overview
At least one in-county listing shows this loan type
- FHA
Lower down-payment research themes — not an eligibility tool
At least one in-county listing shows this loan type
- VA
Military / veteran program themes — confirm with VA sources
At least one in-county listing shows this loan type
- Down-payment assistance
State/local assistance concepts — not a complete local inventory
- Program finder
Short guided shortlist with clear disclaimers
Compare, calculate, verify
Official housing & licensing handoffs
Primary sources only. Program availability and eligibility change — confirm on the official site.
- NMLS Consumer Access ↗ — Confirm company and individual licenses before you apply
- CFPB — Owning a Home ↗ — Educational tools and Loan Estimate guides
- HUD housing counseling ↗ — Find a HUD-approved housing counselor
County quality score 57/100 · Tier 2 (Standard). See methodology. Path: /local-lenders/iowa/polk
Only 2 listed lenders with confirmed in-county HQ for Polk County, Iowa. We do not pad this list with distant offices labeled as local.
In-county HQ
Licensed business city or HQ locality maps to Polk County.