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2024 data HMDA 2024 disclosure official source

Guthrie County

404 mortgage applications, 10.2% denial rate. Verify FIPS 19077 with U.S. Census Bureau →

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Iowa · FIPS 19077

Local mortgage market. Guthrie County, Iowa saw 404 HMDA-reported mortgage applications in 2024. Lenders originated 261 of those loans and denied 41, producing a denial rate of 10.2% and an approval (origination) rate of 64.6%. The average loan amount was $200,916 at an average note rate of 7.08%, with applicants self-reporting average annual income of $36K. 80 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 19077 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

404
Applications
261
Originated
10.2%
Denial Rate
64.6%
Approval Rate
$200,916
Avg Loan Amount
7.08%
Avg Interest Rate
$36K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Guthrie 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 Guthrie County State Bank 29 11.1%
2 Veridian Credit Union 21 8.0%
3 Greenstate Credit Union 14 5.4%
4 First State Bank 12 4.6%
5 New American Funding, LLC. 10 3.8%
Compare Guthrie County State Bank vs Veridian Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Guthrie County?
In the 2024 HMDA reporting year, 404 mortgage applications were filed in Guthrie County, Iowa. Of these, 261 were originated (approved and funded), while 41 were denied, resulting in a denial rate of 10.2%.
What is the mortgage denial rate in Guthrie County?
The mortgage denial rate in Guthrie County is 10.2%. The approval (origination) rate is 64.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Guthrie County?
The average mortgage loan amount in Guthrie County is $200,916. The average interest rate is 7.076%. The average applicant income is $36K.
What is the loan-to-income ratio in Guthrie County?
The average loan-to-income ratio in Guthrie County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Guthrie County?
The top mortgage lenders in Guthrie County by origination volume are Guthrie County State Bank, Veridian Credit Union, Greenstate Credit Union. In total, 80 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.