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2024 data HMDA 2024 disclosure official source

Ida County

151 mortgage applications, 15.2% denial rate. Verify FIPS 19093 with U.S. Census Bureau →

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Iowa · FIPS 19093

Local mortgage market. Ida County, Iowa saw 151 HMDA-reported mortgage applications in 2024. Lenders originated 101 of those loans and denied 23, producing a denial rate of 15.2% and an approval (origination) rate of 66.9%. The average loan amount was $125,927 at an average note rate of 6.94%, with applicants self-reporting average annual income of $36K. 31 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 19093 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

151
Applications
101
Originated
15.2%
Denial Rate
66.9%
Approval Rate
$125,927
Avg Loan Amount
6.94%
Avg Interest Rate
$36K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Ida 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 Shelby County State Bank 29 28.7%
2 United Bank of Iowa 24 23.8%
3 Iowa Bankers Mortgage Corporation 7 6.9%
4 Central Bank 7 6.9%
5 Greenstate Credit Union 3 3.0%
Compare Shelby County State Bank vs United Bank of Iowa →

Frequently Asked Questions

How many mortgage applications were filed in Ida County?
In the 2024 HMDA reporting year, 151 mortgage applications were filed in Ida County, Iowa. Of these, 101 were originated (approved and funded), while 23 were denied, resulting in a denial rate of 15.2%.
What is the mortgage denial rate in Ida County?
The mortgage denial rate in Ida County is 15.2%. The approval (origination) rate is 66.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ida County?
The average mortgage loan amount in Ida County is $125,927. The average interest rate is 6.944%. The average applicant income is $36K.
What is the loan-to-income ratio in Ida County?
The average loan-to-income ratio in Ida County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ida County?
The top mortgage lenders in Ida County by origination volume are Shelby County State Bank, United Bank of Iowa, Iowa Bankers Mortgage Corporation. In total, 31 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.