PlainLender
2024 data HMDA 2024 disclosure official source

Johnson County

5,896 mortgage applications, 7.6% denial rate. Verify FIPS 19103 with U.S. Census Bureau →

PlainLender home → About this data

Iowa · FIPS 19103

Local mortgage market. Johnson County, Iowa saw 5,896 HMDA-reported mortgage applications in 2024. Lenders originated 3,554 of those loans and denied 449, producing a denial rate of 7.6% and an approval (origination) rate of 60.3%. The average loan amount was $229,357 at an average note rate of 7.06%, with applicants self-reporting average annual income of $35K. 157 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 19103 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,896
Applications
3,554
Originated
7.6%
Denial Rate
60.3%
Approval Rate
$229,357
Avg Loan Amount
7.06%
Avg Interest Rate
$35K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Johnson 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 1,503 42.3%
2 Hills Bank and Trust Company 896 25.2%
3 Residential Mortgage Network, Inc. 153 4.3%
4 Midwestone Bank 124 3.5%
5 Veridian Credit Union 119 3.3%
Compare Greenstate Credit Union vs Hills Bank and Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Johnson County?
In the 2024 HMDA reporting year, 5,896 mortgage applications were filed in Johnson County, Iowa. Of these, 3,554 were originated (approved and funded), while 449 were denied, resulting in a denial rate of 7.6%.
What is the mortgage denial rate in Johnson County?
The mortgage denial rate in Johnson County is 7.6%. The approval (origination) rate is 60.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Johnson County?
The average mortgage loan amount in Johnson County is $229,357. The average interest rate is 7.056%. The average applicant income is $35K.
What is the loan-to-income ratio in Johnson County?
The average loan-to-income ratio in Johnson County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Johnson County?
The top mortgage lenders in Johnson County by origination volume are Greenstate Credit Union, Hills Bank and Trust Company, Residential Mortgage Network, Inc.. In total, 157 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.