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2024 data HMDA 2024 disclosure official source

Monona County

251 mortgage applications, 14.7% denial rate. Verify FIPS 19133 with U.S. Census Bureau →

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Iowa · FIPS 19133

Local mortgage market. Monona County, Iowa saw 251 HMDA-reported mortgage applications in 2024. Lenders originated 155 of those loans and denied 37, producing a denial rate of 14.7% and an approval (origination) rate of 61.8%. The average loan amount was $143,566 at an average note rate of 6.80%, with applicants self-reporting average annual income of $34K. 45 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 19133 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

251
Applications
155
Originated
14.7%
Denial Rate
61.8%
Approval Rate
$143,566
Avg Loan Amount
6.80%
Avg Interest Rate
$34K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Monona 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 The Security National Bank of Sioux City, Iowa 19 12.3%
2 United Bank of Iowa 17 11.0%
3 Great Southern Bank 14 9.0%
4 Iowa Bankers Mortgage Corporation 11 7.1%
5 Community Bank 8 5.2%
Compare The Security National Bank of Sioux City, Iowa vs United Bank of Iowa →

Frequently Asked Questions

How many mortgage applications were filed in Monona County?
In the 2024 HMDA reporting year, 251 mortgage applications were filed in Monona County, Iowa. Of these, 155 were originated (approved and funded), while 37 were denied, resulting in a denial rate of 14.7%.
What is the mortgage denial rate in Monona County?
The mortgage denial rate in Monona County is 14.7%. The approval (origination) rate is 61.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Monona County?
The average mortgage loan amount in Monona County is $143,566. The average interest rate is 6.799%. The average applicant income is $34K.
What is the loan-to-income ratio in Monona County?
The average loan-to-income ratio in Monona 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 Monona County?
The top mortgage lenders in Monona County by origination volume are The Security National Bank of Sioux City, Iowa, United Bank of Iowa, Great Southern Bank. In total, 45 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.