Mortgage lending in Black Hawk County, Iowa
Lenders in Black Hawk County, Iowa reported 5,279 mortgage applications for 2025, according to the CFPB.
5,279 mortgage applications and 3,796 loans originated in 2025; the denial rate was 12.7% of 4,481 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Waterloo-Cedar Falls, IA HUD Metro FMR Area.
- 5,279
- Applications
- 3,796
- Loans originated
- 12.7%
- Denial rate
- 569 denied of 4,481 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,279 | 3,796 |
| 2024 | 4,963 | 3,528 |
| 2023 | 4,545 | 3,203 |
| 2022 | 6,357 | 4,654 |
| 2021 | 8,979 | 6,596 |
| 2020 | 8,601 | 6,295 |
| 2019 | 6,512 | 4,829 |
| 2018 | 6,289 | 4,778 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Veridian Credit Union | 1,472 | 1,918 |
| Greenstate Credit Union | 832 | 1,042 |
| Farmers State Bank | 174 | 225 |
| Cedar Falls Community Credit Union | 154 | 166 |
| Dupaco Community Credit Union | 113 | 200 |
| Bankiowa | 98 | 105 |
| Empeople Credit Union | 92 | 138 |
| First Bank | 64 | 70 |
| US Bank, N.A. | 60 | 95 |
| Rocket Mortgage | 58 | 82 |
| United Wholesale Mortgage | 35 | 46 |
| Guaranteed Rate, Inc. | 34 | 50 |
| Hills Bank and Trust Company | 32 | 33 |
| Denver Savings Bank | 30 | 30 |
| Guild Mortgage Company | 28 | 33 |
| Mortgage Research Center | 26 | 52 |
| Midwestone Bank | 26 | 36 |
| Fidelity Bank & Trust | 22 | 26 |
| Pennymac Loan Services LLC | 22 | 59 |
| Peoples Savings Bank | 20 | 21 |
| Collins Community Credit Union | 20 | 32 |
| Iowa Bankers Mortgage Corporation | 19 | 24 |
| West Gate Bank | 19 | 20 |
| New American Funding, LLC. | 16 | 39 |
| Lincoln Savings Bank | 16 | 17 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 23 | no rate: base under 50 |
| Asian | 93 | 14.5% of 76 decided |
| Black or African American | 286 | 27.5% of 222 decided |
| Native Hawaiian or Other Pacific Islander | 13 | no rate: base under 50 |
| White | 4,063 | 11.3% of 3,467 decided |
| 2 or more minority races | under 10 | |
| Joint | 66 | 8.5% of 59 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 725 | 13.7% of 622 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 204 | 21.0% of 167 decided |
| Not Hispanic or Latino | 4,252 | 12.4% of 3,616 decided |
| Joint | withheld | |
| Ethnicity Not Available | 768 | 12.5% of 657 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,727 | 13.4% of 1,427 decided |
| Female | 1,202 | 20.1% of 999 decided |
| Joint | 1,785 | 7.8% of 1,555 decided |
| Sex Not Available | 565 | 11.0% of 500 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2672 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved