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2024 data HMDA 2024 disclosure official source

Jones County

667 mortgage applications, 10.0% denial rate. Verify FIPS 19105 with U.S. Census Bureau →

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Iowa · FIPS 19105

Local mortgage market. Jones County, Iowa saw 667 HMDA-reported mortgage applications in 2024. Lenders originated 421 of those loans and denied 67, producing a denial rate of 10.0% and an approval (origination) rate of 63.1%. The average loan amount was $146,709 at an average note rate of 6.90%, with applicants self-reporting average annual income of $35K. 68 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 19105 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

667
Applications
421
Originated
10.0%
Denial Rate
63.1%
Approval Rate
$146,709
Avg Loan Amount
6.90%
Avg Interest Rate
$35K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Jones 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 63 15.0%
2 Fidelity Bank & Trust 34 8.1%
3 Citizens State Bank 32 7.6%
4 Dupaco Community Credit Union 24 5.7%
5 Hills Bank and Trust Company 18 4.3%
Compare Greenstate Credit Union vs Fidelity Bank & Trust →

Frequently Asked Questions

How many mortgage applications were filed in Jones County?
In the 2024 HMDA reporting year, 667 mortgage applications were filed in Jones County, Iowa. Of these, 421 were originated (approved and funded), while 67 were denied, resulting in a denial rate of 10.0%.
What is the mortgage denial rate in Jones County?
The mortgage denial rate in Jones County is 10.0%. The approval (origination) rate is 63.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jones County?
The average mortgage loan amount in Jones County is $146,709. The average interest rate is 6.899%. The average applicant income is $35K.
What is the loan-to-income ratio in Jones County?
The average loan-to-income ratio in Jones 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 Jones County?
The top mortgage lenders in Jones County by origination volume are Greenstate Credit Union, Fidelity Bank & Trust, Citizens State Bank. In total, 68 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.