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2024 data HMDA 2024 disclosure official source

Pottawattamie County

3,817 mortgage applications, 13.7% denial rate. Verify FIPS 19155 with U.S. Census Bureau →

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Iowa · FIPS 19155

Local mortgage market. Pottawattamie County, Iowa saw 3,817 HMDA-reported mortgage applications in 2024. Lenders originated 2,274 of those loans and denied 522, producing a denial rate of 13.7% and an approval (origination) rate of 59.6%. The average loan amount was $181,589 at an average note rate of 6.88%, with applicants self-reporting average annual income of $37K. 174 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 19155 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,817
Applications
2,274
Originated
13.7%
Denial Rate
59.6%
Approval Rate
$181,589
Avg Loan Amount
6.88%
Avg Interest Rate
$37K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Pottawattamie 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 Veridian Credit Union 172 7.6%
2 Centris Federal Credit Union 147 6.5%
3 First National Bank of Omaha 143 6.3%
4 Ark-La-Tex Financial Services LLC 143 6.3%
5 Rocket Mortgage 95 4.2%
Compare Veridian Credit Union vs Centris Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Pottawattamie County?
In the 2024 HMDA reporting year, 3,817 mortgage applications were filed in Pottawattamie County, Iowa. Of these, 2,274 were originated (approved and funded), while 522 were denied, resulting in a denial rate of 13.7%.
What is the mortgage denial rate in Pottawattamie County?
The mortgage denial rate in Pottawattamie County is 13.7%. The approval (origination) rate is 59.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pottawattamie County?
The average mortgage loan amount in Pottawattamie County is $181,589. The average interest rate is 6.875%. The average applicant income is $37K.
What is the loan-to-income ratio in Pottawattamie County?
The average loan-to-income ratio in Pottawattamie County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pottawattamie County?
The top mortgage lenders in Pottawattamie County by origination volume are Veridian Credit Union, Centris Federal Credit Union, First National Bank of Omaha. In total, 174 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.