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2024 data HMDA 2024 disclosure official source

Pocahontas County

112 mortgage applications, 9.8% denial rate. Verify FIPS 19151 with U.S. Census Bureau →

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Iowa · FIPS 19151

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.

FIPS 19151 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

112
Applications
61
Originated
9.8%
Denial Rate
54.5%
Approval Rate
$132,054
Avg Loan Amount
6.81%
Avg Interest Rate
$36K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Pocahontas 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 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%
Compare United Bank of Iowa vs Iowa Bankers Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Pocahontas County?
In the 2024 HMDA reporting year, 112 mortgage applications were filed in Pocahontas County, Iowa. Of these, 61 were originated (approved and funded), while 11 were denied, resulting in a denial rate of 9.8%.
What is the mortgage denial rate in Pocahontas County?
The mortgage denial rate in Pocahontas County is 9.8%. The approval (origination) rate is 54.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pocahontas County?
The average mortgage loan amount in Pocahontas County is $132,054. The average interest rate is 6.811%. The average applicant income is $36K.
What is the loan-to-income ratio in Pocahontas County?
The average loan-to-income ratio in Pocahontas County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pocahontas County?
The top mortgage lenders in Pocahontas County by origination volume are United Bank of Iowa, Iowa Bankers Mortgage Corporation, Northwest Bank. In total, 22 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.