Pottawattamie County
Iowa · FIPS 19155
According to CFPB HMDA 2024 application volume among U.S. counties, Pottawattamie County ranks #609 of 3,210, and #7 of 99 in Iowa.
Mortgage lending activity in Pottawattamie 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Pottawattamie County
In Pottawattamie County, lead originator Veridian Credit Union funded only 7.6% of 2,274 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Pottawattamie County's 3,817 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pottawattamie County's $181,589 average loan (deduped against volume peers).
Lenders active in Pottawattamie County
Veridian Credit Union funded 172 of the 2,274 loans originated in Pottawattamie County, 7.6% of the county. 174 lenders reported activity here.
| # | 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% |
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 Pottawattamie 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 Pottawattamie 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.