Mortgage lending in Howard County, Iowa
Lenders in Howard County, Iowa reported 162 mortgage applications for 2025, according to the CFPB.
162 mortgage applications and 111 loans originated in 2025; the denial rate was 17.3% of 139 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Howard County, IA.
- 162
- Applications
- 111
- Loans originated
- 17.3%
- Denial rate
- 24 denied of 139 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 162 | 111 |
| 2024 | 168 | 115 |
| 2023 | 178 | 122 |
| 2022 | 77 | 43 |
| 2021 | 97 | 62 |
| 2020 | 93 | 56 |
| 2019 | 96 | 49 |
| 2018 | 80 | 37 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| CUSB Bank | 52 | 66 |
| Veridian Credit Union | 10 | 16 |
| Security State Bank | 4 | 4 |
| Mortgage Research Center | 4 | 7 |
| Rocket Mortgage | 4 | 4 |
| Cardinal Financial Company, Li | 4 | 4 |
| Marine Credit Union | 2 | 5 |
| loanDepot.com LLC | 2 | 2 |
| New American Funding, LLC. | 2 | 6 |
| Luana Savings Bank | 2 | 2 |
| Bank Iowa | 2 | 2 |
| New Market Bank | 1 | 1 |
| Midwest Heritage Bank FSB | 1 | 1 |
| Bluff View Bank | 1 | 1 |
| First National Bank | 1 | 1 |
| Northeast Security Bank | 1 | 1 |
| Esb Bank | 1 | 1 |
| Navy Federal Credit Union | 1 | 1 |
| First Bank | 1 | 1 |
| First Business Bank | 1 | 1 |
| Newrez LLC | 1 | 1 |
| Iowa Bankers Mortgage Corporation | 1 | 2 |
| Plaza Home Mortgage, Inc | 1 | 1 |
| Fairway Independent Mort Corp | 1 | 1 |
| Mutual of Omaha Mortgage | 1 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| White | 141 | 15.6% of 122 decided |
| Joint | under 10 | |
| Race Not Available | 17 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 140 | 17.4% of 121 decided |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 57 | no rate: base under 50 |
| Female | 27 | no rate: base under 50 |
| Joint | 61 | 15.1% of 53 decided |
| Sex Not Available | 17 | 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. 2346 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