IA · Statewide HMDA 2024
Iowa mortgage lending
According to the CFPB HMDA 2024 Snapshot, 668 reporting lenders · 99 counties · 9 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Iowa ranks #33 of 54 by application volume but #3 of 52 states with 10,000+ applications on origination share (61.4%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #3
- Origination-share rank of 52
- 61.4%
- Origination share
- 67,732
- Originated
- 12.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
110,224reported applications
CFPB HMDA state filing plate
State IA · Iowa 12.1% denial
VOL-LIGHT · DEN-QUIET · NEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-LIGHT #33/54
- DEN-QUIET 12.1%
- NEAR-PEER Nebraska
- ORIG-LOW 61.4%
- BOOK-FULL 668 lenders
- LEAD-MIX 13% top
Photo-finish peer: Nebraska · 12.3% denial (+0.2pp vs Iowa)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Iowa
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Iowa: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (12.1% here).
Similar application volume
Nearest states by HMDA applications filed (110,224 here).
Top lenders by originations · Iowa
Funded loans among HMDA-reporting institutions active in this state.
Where Iowa sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
110,224 39th percentile higher than 39% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Iowa
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Iowa filed 110,224 HMDA-reported applications in 2024 (#33 of 54 by volume) with a 12.1% denial rate - 5.1pp below the national 17.2% baseline. White applicants (79,507 apps) show 12.4% denial; Black or African American applicants (2,794 apps) show 21.4% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Iowa
Top HMDA-reporting lenders active in Iowa. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Greenstate Credit Union | 8,850 | 13.1% |
| 2 | Veridian Credit Union | 5,931 | 8.8% |
| 3 | Hills Bank and Trust Company | 2,127 | 3.1% |
| 4 | Iowa Bankers Mortgage Corporation | 2,092 | 3.1% |
| 5 | Rocket Mortgage | 2,020 | 3.0% |
Reported outcomes by applicant race in Iowa
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 79,507 | 69.0% | 12.4% |
| Black or African American | 2,794 | 54.0% | 21.4% |
| Asian | 2,212 | 63.3% | 12.3% |
| Joint | 1,589 | 65.4% | 14.0% |
| American Indian or Alaska Native | 381 | 52.2% | 23.6% |
| Native Hawaiian or Other Pacific Islander | 121 | 52.9% | 24.8% |
| 2 or more minority races | 102 | 44.1% | 33.3% |
Every county in Iowa, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Polk County | 20,703 | 12,599 | 11.1% | $201,396 |
| Linn County | 10,163 | 6,047 | 10.1% | $174,300 |
| Scott County | 6,625 | 4,058 | 11.1% | $196,285 |
| Johnson County | 5,896 | 3,554 | 7.6% | $229,357 |
| Dallas County | 5,667 | 3,521 | 8.6% | $285,561 |
| Black Hawk County | 5,420 | 3,528 | 10.9% | $138,596 |
| Pottawattamie County | 3,817 | 2,274 | 13.7% | $181,589 |
| Dubuque County | 3,587 | 2,468 | 13.2% | $162,669 |
| Woodbury County | 3,111 | 1,939 | 15.5% | $161,609 |
| Warren County | 2,623 | 1,656 | 10.1% | $222,061 |
| Story County | 2,286 | 1,539 | 9.4% | $224,453 |
| Jasper County | 1,426 | 862 | 11.8% | $154,719 |
| Muscatine County | 1,358 | 832 | 15.1% | $136,701 |
| Marion County | 1,124 | 691 | 12.9% | $174,537 |
| Clinton County | 1,120 | 655 | 14.7% | $139,786 |
| Benton County | 1,117 | 694 | 9.0% | $145,645 |
| Boone County | 1,115 | 696 | 11.7% | $185,879 |
| Webster County | 1,079 | 584 | 16.4% | $112,303 |
| Bremer County | 942 | 659 | 9.0% | $143,036 |
| Marshall County | 895 | 551 | 14.9% | $137,190 |
| Washington County | 883 | 544 | 10.5% | $156,325 |
| Wapello County | 881 | 578 | 13.3% | $115,363 |
| Des Moines County | 871 | 511 | 14.9% | $117,882 |
| Dickinson County | 851 | 572 | 9.4% | $315,517 |
| Cedar County | 834 | 508 | 12.0% | $142,698 |
| Buchanan County | 770 | 508 | 11.0% | $122,442 |
| Madison County | 746 | 454 | 13.3% | $221,662 |
| Poweshiek County | 737 | 460 | 9.2% | $143,901 |
| Sioux County | 700 | 499 | 10.3% | $195,714 |
| Mills County | 694 | 407 | 13.0% | $214,251 |
| Mahaska County | 678 | 435 | 14.9% | $126,991 |
| Delaware County | 678 | 423 | 15.9% | $153,186 |
| Jones County | 667 | 421 | 10.0% | $146,709 |
| Cerro Gordo County | 663 | 400 | 11.9% | $172,089 |
| Fayette County | 588 | 358 | 16.7% | $109,201 |
| Plymouth County | 555 | 369 | 11.0% | $184,189 |
| Harrison County | 522 | 309 | 14.8% | $161,169 |
| Iowa County | 520 | 320 | 8.1% | $142,731 |
| Lee County | 515 | 267 | 21.8% | $129,932 |
| Butler County | 492 | 328 | 7.5% | $125,285 |
| Grundy County | 483 | 350 | 9.3% | $128,188 |
| Clay County | 459 | 270 | 15.5% | $174,041 |
| Page County | 448 | 268 | 14.7% | $152,277 |
| Carroll County | 423 | 266 | 16.3% | $152,116 |
| Clayton County | 417 | 268 | 14.2% | $123,393 |
| Tama County | 412 | 238 | 14.6% | $123,544 |
| Guthrie County | 404 | 261 | 10.2% | $200,916 |
| Crawford County | 396 | 250 | 16.4% | $117,904 |
| Buena Vista County | 389 | 248 | 17.7% | $188,830 |
| Jefferson County | 385 | 237 | 13.8% | $131,494 |
| Jackson County | 383 | 238 | 16.2% | $146,697 |
| Hardin County | 380 | 224 | 18.4% | $118,711 |
| Henry County | 380 | 207 | 18.4% | $133,816 |
| Shelby County | 360 | 248 | 10.8% | $131,139 |
| Cass County | 360 | 225 | 11.9% | $124,194 |
| Clarke County | 350 | 227 | 12.6% | $140,429 |
| Lucas County | 344 | 197 | 20.4% | $134,157 |
| Kossuth County | 322 | 196 | 14.6% | $126,646 |
| Chickasaw County | 308 | 215 | 13.0% | $137,727 |
| Hamilton County | 307 | 175 | 15.3% | $132,036 |
| Montgomery County | 304 | 193 | 11.2% | $119,408 |
| Appanoose County | 300 | 179 | 12.3% | $140,400 |
| Lyon County | 285 | 204 | 12.6% | $181,772 |
| Union County | 275 | 154 | 18.2% | $129,982 |
| O'Brien County | 274 | 174 | 15.3% | $138,613 |
| Allamakee County | 257 | 147 | 17.5% | $162,198 |
| Monona County | 251 | 155 | 14.7% | $143,566 |
| Winneshiek County | 251 | 141 | 17.9% | $217,311 |
| Cherokee County | 250 | 160 | 16.8% | $137,840 |
| Greene County | 248 | 136 | 18.1% | $122,540 |
| Humboldt County | 244 | 134 | 14.8% | $137,664 |
| Fremont County | 243 | 147 | 16.1% | $161,173 |
| Louisa County | 236 | 148 | 13.6% | $121,102 |
| Emmet County | 226 | 150 | 9.3% | $130,929 |
| Wright County | 222 | 125 | 19.8% | $124,459 |
| Sac County | 219 | 138 | 16.4% | $117,009 |
| Keokuk County | 217 | 124 | 21.2% | $104,124 |
| Winnebago County | 207 | 137 | 8.2% | $125,435 |
| Calhoun County | 207 | 131 | 16.4% | $133,792 |
| Floyd County | 198 | 121 | 15.7% | $129,899 |
| Adair County | 182 | 102 | 18.1% | $162,967 |
| Mitchell County | 179 | 105 | 17.3% | $138,296 |
| Howard County | 171 | 115 | 18.1% | $137,515 |
| Hancock County | 171 | 107 | 13.4% | $153,538 |
| Davis County | 167 | 94 | 21.6% | $118,293 |
| Palo Alto County | 165 | 92 | 17.0% | $139,182 |
| Wayne County | 163 | 91 | 21.5% | $125,736 |
| Decatur County | 160 | 93 | 21.3% | $122,000 |
| Worth County | 158 | 93 | 18.4% | $128,291 |
| Monroe County | 156 | 84 | 19.2% | $114,423 |
| Ringgold County | 152 | 87 | 16.4% | $154,145 |
| Ida County | 151 | 101 | 15.2% | $125,927 |
| Audubon County | 122 | 75 | 15.6% | $114,590 |
| Franklin County | 122 | 66 | 13.9% | $125,820 |
| Pocahontas County | 112 | 61 | 9.8% | $132,054 |
| Taylor County | 108 | 54 | 20.4% | $117,315 |
| Osceola County | 92 | 52 | 16.3% | $131,739 |
| Van Buren County | 92 | 49 | 15.2% | $119,891 |
| Adams County | 79 | 44 | 16.5% | $142,975 |
Metro Areas in Iowa
Frequently Asked Questions
How many mortgage applications were filed in Iowa?
Where does Iowa sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Iowa?
What is the average mortgage loan amount in Iowa?
How many mortgage lenders operate in Iowa?
How do mortgage denial rates vary by demographics in Iowa?
Which counties in Iowa have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.