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2024 data HMDA 2024 disclosure official source

Black Hawk County

5,420 mortgage applications, 10.9% denial rate. Verify FIPS 19013 with U.S. Census Bureau →

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Iowa · FIPS 19013

Local mortgage market. Black Hawk County, Iowa saw 5,420 HMDA-reported mortgage applications in 2024. Lenders originated 3,528 of those loans and denied 590, producing a denial rate of 10.9% and an approval (origination) rate of 65.1%. The average loan amount was $138,596 at an average note rate of 7.01%, with applicants self-reporting average annual income of $35K. 129 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 19013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,420
Applications
3,528
Originated
10.9%
Denial Rate
65.1%
Approval Rate
$138,596
Avg Loan Amount
7.01%
Avg Interest Rate
$35K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Black Hawk 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 Veridian Credit Union 1,445 41.0%
2 Greenstate Credit Union 733 20.8%
3 Cedar Falls Community Credit Union 169 4.8%
4 Farmers State Bank 137 3.9%
5 Dupaco Community Credit Union 111 3.1%
Compare Veridian Credit Union vs Greenstate Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Black Hawk County?
In the 2024 HMDA reporting year, 5,420 mortgage applications were filed in Black Hawk County, Iowa. Of these, 3,528 were originated (approved and funded), while 590 were denied, resulting in a denial rate of 10.9%.
What is the mortgage denial rate in Black Hawk County?
The mortgage denial rate in Black Hawk County is 10.9%. The approval (origination) rate is 65.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Black Hawk County?
The average mortgage loan amount in Black Hawk County is $138,596. The average interest rate is 7.009%. The average applicant income is $35K.
What is the loan-to-income ratio in Black Hawk County?
The average loan-to-income ratio in Black Hawk County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Black Hawk County?
The top mortgage lenders in Black Hawk County by origination volume are Veridian Credit Union, Greenstate Credit Union, Cedar Falls Community Credit Union. In total, 129 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.