Story County
Iowa · FIPS 19169
According to CFPB HMDA 2024 application volume among U.S. counties, Story County ranks #864 of 3,223, and #11 of 99 in Iowa.
Mortgage lending activity in Story 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. Story County, Iowa lenders denied 215 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Story County
In Story County, lead originator Iowa Bankers Mortgage Corporation funded only 10.4% of 1,539 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Story County's 2,286 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Story County's $224,453 average loan (deduped against volume peers).
Lenders active in Story County
Iowa Bankers Mortgage Corporation funded 160 of the 1,539 loans originated in Story County, 10.4% of the county. 151 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Story County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Story County borrowers. 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.