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2024 data HMDA 2024 disclosure official source

Webster County

1,079 mortgage applications, 16.4% denial rate. Verify FIPS 19187 with U.S. Census Bureau →

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Iowa · FIPS 19187

Local mortgage market. Webster County, Iowa saw 1,079 HMDA-reported mortgage applications in 2024. Lenders originated 584 of those loans and denied 177, producing a denial rate of 16.4% and an approval (origination) rate of 54.1%. The average loan amount was $112,303 at an average note rate of 7.15%, with applicants self-reporting average annual income of $35K. 72 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 19187 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,079
Applications
584
Originated
16.4%
Denial Rate
54.1%
Approval Rate
$112,303
Avg Loan Amount
7.15%
Avg Interest Rate
$35K
Avg Applicant Income
3.2x
Loan-to-Income Ratio

Nearby Lenders in Webster 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 138 23.6%
2 Northwest Bank 91 15.6%
3 Frontier Financial, Inc. DBA Frontier Mortgage 66 11.3%
4 Iowa Bankers Mortgage Corporation 36 6.2%
5 Availa Bank 33 5.7%
Compare Greenstate Credit Union vs Northwest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Webster County?
In the 2024 HMDA reporting year, 1,079 mortgage applications were filed in Webster County, Iowa. Of these, 584 were originated (approved and funded), while 177 were denied, resulting in a denial rate of 16.4%.
What is the mortgage denial rate in Webster County?
The mortgage denial rate in Webster County is 16.4%. The approval (origination) rate is 54.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Webster County?
The average mortgage loan amount in Webster County is $112,303. The average interest rate is 7.152%. The average applicant income is $35K.
What is the loan-to-income ratio in Webster County?
The average loan-to-income ratio in Webster County is 3.2x, meaning borrowers took on loans averaging 3.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Webster County?
The top mortgage lenders in Webster County by origination volume are Greenstate Credit Union, Northwest Bank, Frontier Financial, Inc. DBA Frontier Mortgage. In total, 72 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.