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2024 data HMDA 2024 disclosure official source

Allamakee County

257 mortgage applications, 17.5% denial rate. Verify FIPS 19005 with U.S. Census Bureau →

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Iowa · FIPS 19005

Local mortgage market. Allamakee County, Iowa saw 257 HMDA-reported mortgage applications in 2024. Lenders originated 147 of those loans and denied 45, producing a denial rate of 17.5% and an approval (origination) rate of 57.2%. The average loan amount was $162,198 at an average note rate of 7.43%, with applicants self-reporting average annual income of $35K. 47 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 19005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

257
Applications
147
Originated
17.5%
Denial Rate
57.2%
Approval Rate
$162,198
Avg Loan Amount
7.43%
Avg Interest Rate
$35K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Allamakee County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Luana Savings Bank 22 15.0%
2 Peoples State Bank 13 8.8%
3 Esb Bank 13 8.8%
4 Marine Credit Union 12 8.2%
5 Fidelity Bank & Trust 9 6.1%
Compare Luana Savings Bank vs Peoples State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Allamakee County?
In the 2024 HMDA reporting year, 257 mortgage applications were filed in Allamakee County, Iowa. Of these, 147 were originated (approved and funded), while 45 were denied, resulting in a denial rate of 17.5%.
What is the mortgage denial rate in Allamakee County?
The mortgage denial rate in Allamakee County is 17.5%. The approval (origination) rate is 57.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Allamakee County?
The average mortgage loan amount in Allamakee County is $162,198. The average interest rate is 7.428%. The average applicant income is $35K.
What is the loan-to-income ratio in Allamakee County?
The average loan-to-income ratio in Allamakee County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Allamakee County?
The top mortgage lenders in Allamakee County by origination volume are Luana Savings Bank, Peoples State Bank, Esb Bank. In total, 47 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.