Mortgage lending in Johnson County, Iowa
Lenders in Johnson County, Iowa reported 5,808 mortgage applications for 2025, according to the CFPB.
5,808 mortgage applications and 4,374 loans originated in 2025; the denial rate was 9.4% of 5,046 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Iowa City, IA HUD Metro FMR Area.
- 5,808
- Applications
- 4,374
- Loans originated
- 9.4%
- Denial rate
- 476 denied of 5,046 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,808 | 4,374 |
| 2024 | 4,854 | 3,556 |
| 2023 | 4,984 | 3,731 |
| 2022 | 7,207 | 5,560 |
| 2021 | 11,063 | 8,619 |
| 2020 | 11,278 | 8,950 |
| 2019 | 8,295 | 6,504 |
| 2018 | 7,687 | 6,003 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenstate Credit Union | 1,796 | 2,226 |
| Hills Bank and Trust Company | 1,245 | 1,488 |
| Residential Mortgage Network, Inc. | 154 | 169 |
| Veridian Credit Union | 134 | 186 |
| Midwestone Bank | 124 | 171 |
| DHI Mortgage Company, LTD. | 81 | 124 |
| Rocket Mortgage | 56 | 93 |
| Collins Community Credit Union | 45 | 64 |
| CBI Bank & Trust | 45 | 57 |
| US Bank, N.A. | 37 | 73 |
| Iowa Bankers Mortgage Corporation | 25 | 31 |
| Two Rivers Bank & Trust | 25 | 29 |
| Dupaco Community Credit Union | 25 | 36 |
| Corda Credit Union | 24 | 28 |
| Ohnward Bank and Trust | 23 | 29 |
| 21ST Mortgage | 22 | 107 |
| Flat Branch Mortgage, Inc. | 21 | 26 |
| Farmers State Bank | 16 | 19 |
| Pennymac Loan Services LLC | 16 | 39 |
| West Bank | 15 | 15 |
| United Wholesale Mortgage | 14 | 20 |
| New American Funding, LLC. | 13 | 32 |
| JPMorgan Chase Bank, NA | 13 | 23 |
| Wells Fargo Bank NA | 12 | 21 |
| Nationstar Mortgage | 11 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | 217 | 9.4% of 180 decided |
| Black or African American | 274 | 23.3% of 223 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,324 | 8.1% of 3,815 decided |
| 2 or more minority races | under 10 | |
| Joint | 155 | 10.8% of 129 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 814 | 11.2% of 681 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 217 | 20.0% of 170 decided |
| Not Hispanic or Latino | 4,653 | 8.9% of 4,072 decided |
| Joint | 138 | 10.2% of 127 decided |
| Ethnicity Not Available | 800 | 10.0% of 677 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,386 | 11.5% of 1,171 decided |
| Female | 1,197 | 14.3% of 1,029 decided |
| Joint | 2,670 | 6.7% of 2,369 decided |
| Sex Not Available | 555 | 7.5% of 477 decided |
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. 1127 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