Poweshiek County
Iowa · FIPS 19157
According to CFPB HMDA 2024 application volume among U.S. counties, Poweshiek County ranks #1,688 of 3,210, and #28 of 99 in Iowa.
Mortgage lending activity in Poweshiek 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. Poweshiek County, Iowa saw 737 HMDA-reported mortgage applications in 2024. Lenders originated 460 of those loans and denied 68, producing a denial rate of 9.2% and an approval (origination) rate of 62.4%. The average loan amount was $143,901 at an average note rate of 6.74%, with applicants self-reporting average annual income of $36K. 80 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 Poweshiek County
In Poweshiek County, lead originator Greenstate Credit Union funded 38.5% of 460 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 54.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Poweshiek County's 737 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Poweshiek County's $143,901 average loan (deduped against volume peers).
Lenders active in Poweshiek County
Greenstate Credit Union funded 177 of the 460 loans originated in Poweshiek County, 38.5% of the county. 80 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Greenstate Credit Union | 177 | 38.5% |
| 2 | Community 1st Credit Union | 37 | 8.0% |
| 3 | First State Bank of Lynnville, Iowa | 36 | 7.8% |
| 4 | Rocket Mortgage | 17 | 3.7% |
| 5 | Veridian Credit Union | 14 | 3.0% |
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 Poweshiek 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 Poweshiek 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.