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2024 data HMDA 2024 disclosure official source

Story County

2,286 mortgage applications, 9.4% denial rate. Verify FIPS 19169 with U.S. Census Bureau →

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Iowa · FIPS 19169

Local mortgage market. Story County, Iowa saw 2,286 HMDA-reported mortgage applications in 2024. Lenders originated 1,539 of those loans and denied 215, producing a denial rate of 9.4% and an approval (origination) rate of 67.3%. The average loan amount was $224,453 at an average note rate of 6.92%, with applicants self-reporting average annual income of $35K. 151 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 19169 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,286
Applications
1,539
Originated
9.4%
Denial Rate
67.3%
Approval Rate
$224,453
Avg Loan Amount
6.92%
Avg Interest Rate
$35K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Story 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 Iowa Bankers Mortgage Corporation 160 10.4%
2 Greater Iowa Credit Union 107 7.0%
3 Greenstate Credit Union 99 6.4%
4 Veridian Credit Union 87 5.7%
5 Guild Mortgage Company 80 5.2%
Compare Iowa Bankers Mortgage Corporation vs Greater Iowa Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Story County?
In the 2024 HMDA reporting year, 2,286 mortgage applications were filed in Story County, Iowa. Of these, 1,539 were originated (approved and funded), while 215 were denied, resulting in a denial rate of 9.4%.
What is the mortgage denial rate in Story County?
The mortgage denial rate in Story County is 9.4%. The approval (origination) rate is 67.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Story County?
The average mortgage loan amount in Story County is $224,453. The average interest rate is 6.925%. The average applicant income is $35K.
What is the loan-to-income ratio in Story County?
The average loan-to-income ratio in Story County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Story County?
The top mortgage lenders in Story County by origination volume are Iowa Bankers Mortgage Corporation, Greater Iowa Credit Union, Greenstate Credit Union. In total, 151 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.