Pocahontas County
Iowa · FIPS 19151
According to CFPB HMDA 2024 application volume among U.S. counties, Pocahontas County ranks #2,813 of 3,210, and #95 of 99 in Iowa.
Mortgage lending activity in Pocahontas County, Iowa based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Pocahontas County, Iowa saw 112 HMDA-reported mortgage applications in 2024. Lenders originated 61 of those loans and denied 11, producing a denial rate of 9.8% and an approval (origination) rate of 54.5%. The average loan amount was $132,054 at an average note rate of 6.81%, with applicants self-reporting average annual income of $36K. 22 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Pocahontas County
In Pocahontas County, lead originator United Bank of Iowa funded 18.0% of 61 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 44.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Pocahontas County's 112 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pocahontas County's $132,054 average loan (deduped against volume peers).
Lenders active in Pocahontas County
United Bank of Iowa funded 11 of the 61 loans originated in Pocahontas County, 18.0% of the county. 22 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Bank of Iowa | 11 | 18.0% |
| 2 | Iowa Bankers Mortgage Corporation | 8 | 13.1% |
| 3 | Northwest Bank | 8 | 13.1% |
| 4 | Rocket Mortgage | 6 | 9.8% |
| 5 | Flanagan State Bank | 4 | 6.6% |
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; does not constitute financial advice for Pocahontas County borrowers.
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 Pocahontas County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.