Mortgage lending in Emmet County, Iowa
Lenders in Emmet County, Iowa reported 197 mortgage applications for 2025, according to the CFPB.
197 mortgage applications and 129 loans originated in 2025; the denial rate was 22.7% of 172 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: Emmet County, IA.
- 197
- Applications
- 129
- Loans originated
- 22.7%
- Denial rate
- 39 denied of 172 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 197 | 129 |
| 2024 | 198 | 150 |
| 2023 | 153 | 107 |
| 2022 | 237 | 156 |
| 2021 | 336 | 211 |
| 2020 | 280 | 201 |
| 2019 | 207 | 152 |
| 2018 | 178 | 125 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Northwest Bank | 43 | 48 |
| Rocket Mortgage | 13 | 18 |
| V.i.p. Mortgage, Inc. | 7 | 8 |
| United Wholesale Mortgage | 6 | 7 |
| Central Bank | 6 | 8 |
| Iowa Bankers Mortgage Corporation | 4 | 5 |
| Wells Fargo Bank NA | 4 | 4 |
| Flanagan State Bank | 3 | 3 |
| Reliabank Dakota | 3 | 4 |
| Plains Commerce Bank | 3 | 3 |
| Great Southern Bank | 2 | 2 |
| Peoples Savings Bank | 2 | 2 |
| Zillow Home Loans, LLC | 2 | 2 |
| Mortgage Research Center | 2 | 4 |
| Kind Lending, LLC | 2 | 4 |
| First Community Mortgage, Inc. | 2 | 2 |
| New Day Financial, LLC. | 2 | 6 |
| Amerisave Mortgage Company | 2 | 5 |
| US Bank, N.A. | 2 | 6 |
| Reliance State Bank | 1 | 1 |
| Telco Triad Community CU HMDA 2025 | 1 | 1 |
| AmeriHome Mortgage Company, LLC | 1 | 1 |
| Collins Community Credit Union | 1 | 1 |
| First State Bank Southwest | 1 | 1 |
| Figure Lending LLC | 1 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| White | 172 | 21.7% of 152 decided |
| Race Not Available | 19 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 163 | 23.1% of 143 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 19 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 80 | 19.4% of 67 decided |
| Female | 51 | no rate: base under 50 |
| Joint | 52 | no rate: base under 50 |
| Sex Not Available | 14 | 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. 2550 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