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2024 data HMDA 2024 disclosure official source

Bremer County

942 mortgage applications, 9.0% denial rate. Verify FIPS 19017 with U.S. Census Bureau →

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Iowa · FIPS 19017

Local mortgage market. Bremer County, Iowa saw 942 HMDA-reported mortgage applications in 2024. Lenders originated 659 of those loans and denied 85, producing a denial rate of 9.0% and an approval (origination) rate of 70.0%. The average loan amount was $143,036 at an average note rate of 7.03%, with applicants self-reporting average annual income of $35K. 61 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 19017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

942
Applications
659
Originated
9.0%
Denial Rate
70.0%
Approval Rate
$143,036
Avg Loan Amount
7.03%
Avg Interest Rate
$35K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Bremer 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 243 36.9%
2 Greenstate Credit Union 71 10.8%
3 First Bank 35 5.3%
4 Farmers State Bank 31 4.7%
5 Fidelity Bank & Trust 25 3.8%
Compare Veridian Credit Union vs Greenstate Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Bremer County?
In the 2024 HMDA reporting year, 942 mortgage applications were filed in Bremer County, Iowa. Of these, 659 were originated (approved and funded), while 85 were denied, resulting in a denial rate of 9.0%.
What is the mortgage denial rate in Bremer County?
The mortgage denial rate in Bremer County is 9.0%. The approval (origination) rate is 70.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bremer County?
The average mortgage loan amount in Bremer County is $143,036. The average interest rate is 7.027%. The average applicant income is $35K.
What is the loan-to-income ratio in Bremer County?
The average loan-to-income ratio in Bremer County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bremer County?
The top mortgage lenders in Bremer County by origination volume are Veridian Credit Union, Greenstate Credit Union, First Bank. In total, 61 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.