Mortgage lending in O'Brien County, Iowa
Lenders in O'Brien County, Iowa reported 281 mortgage applications for 2025, according to the CFPB.
281 mortgage applications and 193 loans originated in 2025; the denial rate was 16.1% of 242 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: O'Brien County, IA.
- 281
- Applications
- 193
- Loans originated
- 16.1%
- Denial rate
- 39 denied of 242 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 281 | 193 |
| 2024 | 254 | 174 |
| 2023 | 196 | 138 |
| 2022 | 238 | 171 |
| 2021 | 365 | 243 |
| 2020 | 469 | 376 |
| 2019 | 282 | 220 |
| 2018 | 250 | 179 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Security State Bank | 33 | 34 |
| Iowa Bankers Mortgage Corporation | 20 | 29 |
| Homeowners Financial Group, LLC | 18 | 18 |
| American State Bank | 15 | 18 |
| Northwest Bank | 14 | 17 |
| Peoples Bank | 9 | 11 |
| The Security National Bank of Sioux City, Iowa | 8 | 12 |
| Rocket Mortgage | 8 | 13 |
| Greenstate Credit Union | 6 | 8 |
| loanDepot.com LLC | 4 | 5 |
| Mortgage Research Center | 4 | 9 |
| Freedom Mortgage Corporation | 3 | 3 |
| Central Bank | 3 | 4 |
| Flanagan State Bank | 2 | 4 |
| AmeriHome Mortgage Company, LLC | 2 | 2 |
| MEMBERS1st Community Credit Union | 2 | 2 |
| Coastal Community Bank | 2 | 6 |
| Farm Credit Mid-America, Aca | 2 | 4 |
| United Wholesale Mortgage | 2 | 3 |
| Plains Commerce Bank | 2 | 2 |
| Residential Mortgage Network, Inc. | 2 | 2 |
| First Community Mortgage, Inc. | 2 | 3 |
| First Premier Bank | 2 | 4 |
| US Bank, N.A. | 2 | 6 |
| United Bank of Iowa | 1 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 232 | 16.3% of 203 decided |
| Joint | under 10 | |
| Race Not Available | 38 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 207 | 14.9% of 181 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 36 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 100 | 18.5% of 81 decided |
| Female | 38 | no rate: base under 50 |
| Joint | 124 | 12.5% of 112 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. 1965 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