PlainLender
2024 data HMDA 2024 disclosure official source

Dickinson County

851 mortgage applications, 9.4% denial rate. Verify FIPS 19059 with U.S. Census Bureau →

PlainLender home → About this data

Iowa · FIPS 19059

Local mortgage market. Dickinson County, Iowa saw 851 HMDA-reported mortgage applications in 2024. Lenders originated 572 of those loans and denied 80, producing a denial rate of 9.4% and an approval (origination) rate of 67.2%. The average loan amount was $315,517 at an average note rate of 7.02%, with applicants self-reporting average annual income of $35K. 104 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.0x, meaning typical borrowers took on mortgages of about 9.0 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 19059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

851
Applications
572
Originated
9.4%
Denial Rate
67.2%
Approval Rate
$315,517
Avg Loan Amount
7.02%
Avg Interest Rate
$35K
Avg Applicant Income
9.0x
Loan-to-Income Ratio

Nearby Lenders in Dickinson 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 Northwest Bank 206 36.0%
2 Central Bank 90 15.7%
3 Iowa Bankers Mortgage Corporation 14 2.4%
4 Bank Midwest 14 2.4%
5 American State Bank 13 2.3%
Compare Northwest Bank vs Central Bank →

Frequently Asked Questions

How many mortgage applications were filed in Dickinson County?
In the 2024 HMDA reporting year, 851 mortgage applications were filed in Dickinson County, Iowa. Of these, 572 were originated (approved and funded), while 80 were denied, resulting in a denial rate of 9.4%.
What is the mortgage denial rate in Dickinson County?
The mortgage denial rate in Dickinson County is 9.4%. The approval (origination) rate is 67.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dickinson County?
The average mortgage loan amount in Dickinson County is $315,517. The average interest rate is 7.018%. The average applicant income is $35K.
What is the loan-to-income ratio in Dickinson County?
The average loan-to-income ratio in Dickinson County is 9.0x, meaning borrowers took on loans averaging 9.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dickinson County?
The top mortgage lenders in Dickinson County by origination volume are Northwest Bank, Central Bank, Iowa Bankers Mortgage Corporation. In total, 104 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.