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2024 data HMDA 2024 disclosure official source

Iowa County

520 mortgage applications, 8.1% denial rate. Verify FIPS 19095 with U.S. Census Bureau →

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Iowa · FIPS 19095

Local mortgage market. Iowa County, Iowa saw 520 HMDA-reported mortgage applications in 2024. Lenders originated 320 of those loans and denied 42, producing a denial rate of 8.1% and an approval (origination) rate of 61.5%. The average loan amount was $142,731 at an average note rate of 7.12%, with applicants self-reporting average annual income of $34K. 57 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 19095 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

520
Applications
320
Originated
8.1%
Denial Rate
61.5%
Approval Rate
$142,731
Avg Loan Amount
7.12%
Avg Interest Rate
$34K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Iowa 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 Greenstate Credit Union 107 33.4%
2 Hills Bank and Trust Company 38 11.9%
3 Midwestone Bank 18 5.6%
4 Residential Mortgage Network, Inc. 16 5.0%
5 Veridian Credit Union 16 5.0%
Compare Greenstate Credit Union vs Hills Bank and Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Iowa County?
In the 2024 HMDA reporting year, 520 mortgage applications were filed in Iowa County, Iowa. Of these, 320 were originated (approved and funded), while 42 were denied, resulting in a denial rate of 8.1%.
What is the mortgage denial rate in Iowa County?
The mortgage denial rate in Iowa County is 8.1%. The approval (origination) rate is 61.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Iowa County?
The average mortgage loan amount in Iowa County is $142,731. The average interest rate is 7.117%. The average applicant income is $34K.
What is the loan-to-income ratio in Iowa County?
The average loan-to-income ratio in Iowa County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Iowa County?
The top mortgage lenders in Iowa County by origination volume are Greenstate Credit Union, Hills Bank and Trust Company, Midwestone Bank. In total, 57 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.