Mortgage lending in Cedar County, Iowa
Lenders in Cedar County, Iowa reported 818 mortgage applications for 2025, according to the CFPB.
818 mortgage applications and 527 loans originated in 2025; the denial rate was 19.4% of 680 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cedar County, IA.
- 818
- Applications
- 527
- Loans originated
- 19.4%
- Denial rate
- 132 denied of 680 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 818 | 527 |
| 2024 | 716 | 508 |
| 2023 | 724 | 515 |
| 2022 | 853 | 576 |
| 2021 | 1,258 | 922 |
| 2020 | 1,247 | 946 |
| 2019 | 890 | 658 |
| 2018 | 859 | 617 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenstate Credit Union | 137 | 181 |
| Hills Bank and Trust Company | 64 | 82 |
| Fidelity Bank & Trust | 43 | 51 |
| Residential Mortgage Network, Inc. | 31 | 31 |
| Veridian Credit Union | 18 | 26 |
| Rocket Mortgage | 17 | 29 |
| New American Funding, LLC. | 15 | 27 |
| United Wholesale Mortgage | 14 | 19 |
| Collins Community Credit Union | 11 | 20 |
| Midwestone Bank | 10 | 12 |
| Ascentra Credit Union | 10 | 11 |
| Dupaco Community Credit Union | 9 | 10 |
| Bridge Community Bank | 8 | 8 |
| CBI Bank & Trust | 8 | 11 |
| Mount Vernon Bank and Trust Company | 8 | 8 |
| I H Mississippi Valley Credit Union | 6 | 10 |
| 21ST Mortgage | 6 | 24 |
| Mortgage Research Center | 5 | 12 |
| Corda Credit Union | 5 | 5 |
| Waterstone Mortgage Corporation | 5 | 5 |
| US Bank, N.A. | 5 | 14 |
| Empeople Credit Union | 4 | 7 |
| loanDepot.com LLC | 4 | 11 |
| Iowa Bankers Mortgage Corporation | 4 | 8 |
| Freedom Mortgage Corporation | 4 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 706 | 19.4% of 586 decided |
| Joint | under 10 | |
| Free Form Text Only | under 10 | |
| Race Not Available | 87 | 22.5% of 71 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 687 | 18.4% of 571 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 90 | 22.2% of 72 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 250 | 22.6% of 204 decided |
| Female | 162 | 26.9% of 134 decided |
| Joint | 353 | 14.1% of 297 decided |
| Sex Not Available | 53 | no rate: base under 50 |
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. 2148 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