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2024 data HMDA 2024 disclosure official source

O'Brien County

274 mortgage applications, 15.3% denial rate. Verify FIPS 19141 with U.S. Census Bureau →

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Iowa · FIPS 19141

Local mortgage market. O'Brien County, Iowa saw 274 HMDA-reported mortgage applications in 2024. Lenders originated 174 of those loans and denied 42, producing a denial rate of 15.3% and an approval (origination) rate of 63.5%. The average loan amount was $138,613 at an average note rate of 6.28%, with applicants self-reporting average annual income of $36K. 37 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 19141 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

274
Applications
174
Originated
15.3%
Denial Rate
63.5%
Approval Rate
$138,613
Avg Loan Amount
6.28%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in O'Brien 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 Security State Bank 34 19.5%
2 Iowa Bankers Mortgage Corporation 26 14.9%
3 American State Bank 19 10.9%
4 Northwest Bank 14 8.0%
5 Homeowners Financial Group, LLC 13 7.5%
Compare Security State Bank vs Iowa Bankers Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in O'Brien County?
In the 2024 HMDA reporting year, 274 mortgage applications were filed in O'Brien County, Iowa. Of these, 174 were originated (approved and funded), while 42 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in O'Brien County?
The mortgage denial rate in O'Brien County is 15.3%. The approval (origination) rate is 63.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in O'Brien County?
The average mortgage loan amount in O'Brien County is $138,613. The average interest rate is 6.276%. The average applicant income is $36K.
What is the loan-to-income ratio in O'Brien County?
The average loan-to-income ratio in O'Brien County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in O'Brien County?
The top mortgage lenders in O'Brien County by origination volume are Security State Bank, Iowa Bankers Mortgage Corporation, American State Bank. In total, 37 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.