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2024 data HMDA 2024 disclosure official source

Poweshiek County

737 mortgage applications, 9.2% denial rate. Verify FIPS 19157 with U.S. Census Bureau →

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Iowa · FIPS 19157

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.

FIPS 19157 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

737
Applications
460
Originated
9.2%
Denial Rate
62.4%
Approval Rate
$143,901
Avg Loan Amount
6.74%
Avg Interest Rate
$36K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Poweshiek 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 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%
Compare Greenstate Credit Union vs Community 1st Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Poweshiek County?
In the 2024 HMDA reporting year, 737 mortgage applications were filed in Poweshiek County, Iowa. Of these, 460 were originated (approved and funded), while 68 were denied, resulting in a denial rate of 9.2%.
What is the mortgage denial rate in Poweshiek County?
The mortgage denial rate in Poweshiek County is 9.2%. The approval (origination) rate is 62.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Poweshiek County?
The average mortgage loan amount in Poweshiek County is $143,901. The average interest rate is 6.740%. The average applicant income is $36K.
What is the loan-to-income ratio in Poweshiek County?
The average loan-to-income ratio in Poweshiek County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Poweshiek County?
The top mortgage lenders in Poweshiek County by origination volume are Greenstate Credit Union, Community 1st Credit Union, First State Bank of Lynnville, Iowa. In total, 80 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.