Mortgage lending in Clayton County, Iowa

Lenders in Clayton County, Iowa reported 475 mortgage applications for 2025, according to the CFPB.

475 mortgage applications and 331 loans originated in 2025; the denial rate was 16.3% of 418 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Clayton County, IA.

475
Applications: 331
Loans originated: 16.3%
Denial rate: 68 denied of 418 applications decided.

Every year

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Mortgage applications and loans originated in Clayton County, Iowa, by year
Year	Applications	Originated	Denied
2025	475	331	68
2024	404	268	61
2023	379	263	44
2022	484	340	65
2021	758	540	113
2020	779	587	95
2019	568	380	96
2018	514	355	89

The largest lenders here

Lenders in Clayton County, Iowa by loans originated, 2025
Lender	Originated	Applications
Fidelity Bank & Trust	57	63
Dupaco Community Credit Union	37	51
Luana Savings Bank	33	41
Community Savings Bank	29	40
Peoples State Bank	25	32
New American Funding, LLC.	13	14
Central State Bank	12	12
Veridian Credit Union	11	14
Greenstate Credit Union	11	17
Marine Credit Union	9	20
Rocket Mortgage	7	14
Empeople Credit Union	6	6
Guild Mortgage Company	6	7
Waterstone Mortgage Corporation	5	5
Flanagan State Bank	4	6
Mortgage Research Center	4	11
Iowa Bankers Mortgage Corporation	4	12
United Wholesale Mortgage	4	6
Ohnward Bank and Trust	4	4
Collins Community Credit Union	3	3
Citizens State Bank	3	7
Midwestone Bank	3	5
Cardinal Financial Company, Li	3	4
Farmers & Merchants Savings Bank	2	2
Altra Federal Credit Union	2	2

Applications by race, ethnicity and sex, 2025

By race, Clayton County, Iowa: applications and denial rate
Category	Applications	Denial rate
Asian	under 10
White	427	15.0% of 372 decided
Joint	under 10
Race Not Available	43	no rate: base under 50

By ethnicity, Clayton County, Iowa: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	412	15.1% of 358 decided
Joint	under 10
Ethnicity Not Available	53	24.0% of 50 decided

By sex, Clayton County, Iowa: applications and denial rate
Category	Applications	Denial rate
Male	164	16.1% of 137 decided
Female	71	16.9% of 65 decided
Joint	203	14.5% of 179 decided
Sex Not Available	37	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. 2549 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 October 22, 2026