Mortgage lending in Humboldt County, Iowa

Lenders in Humboldt County, Iowa reported 261 mortgage applications for 2025, according to the CFPB.

261 mortgage applications and 190 loans originated in 2025; the denial rate was 13.7% of 226 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: Humboldt County, IA.

261
Applications: 190
Loans originated: 13.7%
Denial rate: 31 denied of 226 applications decided.

Every year

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Mortgage applications and loans originated in Humboldt County, Iowa, by year
Year	Applications	Originated	Denied
2025	261	190	31
2024	217	134	36
2023	210	150	28
2022	262	182	34
2021	388	300	45
2020	477	374	51
2019	307	234	47
2018	299	234	35

The largest lenders here

Lenders in Humboldt County, Iowa by loans originated, 2025
Lender	Originated	Applications
Northwest Bank	42	46
Bank Iowa	37	42
Rocket Mortgage	12	18
Greenstate Credit Union	9	10
Iowa Bankers Mortgage Corporation	8	11
Frontier Financial, Inc. DBA Frontier Mortgage	8	8
United Bank of Iowa	7	9
Mortgage Research Center	4	9
United Wholesale Mortgage	4	8
US Bank, N.A.	4	5
New American Funding, LLC.	3	6
Nationstar Mortgage	3	4
Flanagan State Bank	2	3
MEMBERS1st Community Credit Union	2	2
Guild Mortgage Company	2	3
Servion	2	2
Veridian Credit Union	2	2
American Pacific Mortgage Corporation	2	2
Freedom Mortgage Corporation	2	2
West Gate Bank	2	2
First Interstate Bank	2	3
Guaranteed Rate, Inc.	2	3
Royal United Mortgage LLC	2	2
Amerisave Mortgage Company	2	6
Wells Fargo Bank NA	2	5

Applications by race, ethnicity and sex, 2025

By race, Humboldt County, Iowa: applications and denial rate
Category	Applications	Denial rate
Black or African American	under 10
White	233	12.1% of 206 decided
Joint	under 10
Race Not Available	23	no rate: base under 50

By ethnicity, Humboldt County, Iowa: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	228	11.4% of 202 decided
Joint	under 10
Ethnicity Not Available	25	no rate: base under 50

By sex, Humboldt County, Iowa: applications and denial rate
Category	Applications	Denial rate
Male	90	18.9% of 74 decided
Female	46	no rate: base under 50
Joint	106	10.3% of 97 decided
Sex Not Available	19	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. 2347 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