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2024 data HMDA 2024 disclosure official source

Winneshiek County

251 mortgage applications, 17.9% denial rate. Verify FIPS 19191 with U.S. Census Bureau →

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Iowa · FIPS 19191

Local mortgage market. Winneshiek County, Iowa saw 251 HMDA-reported mortgage applications in 2024. Lenders originated 141 of those loans and denied 45, producing a denial rate of 17.9% and an approval (origination) rate of 56.2%. The average loan amount was $217,311 at an average note rate of 7.21%, with applicants self-reporting average annual income of $34K. 45 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 19191 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

251
Applications
141
Originated
17.9%
Denial Rate
56.2%
Approval Rate
$217,311
Avg Loan Amount
7.21%
Avg Interest Rate
$34K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Winneshiek 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 Fidelity Bank & Trust 29 20.6%
2 Luana Savings Bank 22 15.6%
3 Veridian Credit Union 9 6.4%
4 CUSB Bank 9 6.4%
5 Kerndt Brothers Savings Bank 8 5.7%
Compare Fidelity Bank & Trust vs Luana Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in Winneshiek County?
In the 2024 HMDA reporting year, 251 mortgage applications were filed in Winneshiek County, Iowa. Of these, 141 were originated (approved and funded), while 45 were denied, resulting in a denial rate of 17.9%.
What is the mortgage denial rate in Winneshiek County?
The mortgage denial rate in Winneshiek County is 17.9%. The approval (origination) rate is 56.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Winneshiek County?
The average mortgage loan amount in Winneshiek County is $217,311. The average interest rate is 7.211%. The average applicant income is $34K.
What is the loan-to-income ratio in Winneshiek County?
The average loan-to-income ratio in Winneshiek 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 Winneshiek County?
The top mortgage lenders in Winneshiek County by origination volume are Fidelity Bank & Trust, Luana Savings Bank, Veridian Credit Union. In total, 45 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.