Black Hawk County
Iowa · FIPS 19013
According to CFPB HMDA 2024 application volume among U.S. counties, Black Hawk County ranks #484 of 3,223, and #6 of 99 in Iowa.
Mortgage lending activity in Black Hawk County, Iowa based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Black Hawk County, Iowa lenders denied 590 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Black Hawk County
In Black Hawk County, lead originator Veridian Credit Union funded 41.0% of 3,528 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 66.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Black Hawk County's 5,420 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Black Hawk County's $138,596 average loan (deduped against volume peers).
Lenders active in Black Hawk County
Veridian Credit Union funded 1,445 of the 3,528 loans originated in Black Hawk County, 41.0% of the county. 129 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Black Hawk County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Black Hawk County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.