Mortgage lending in Polk County, Iowa
Lenders in Polk County, Iowa reported 20,733 mortgage applications for 2025, according to the CFPB.
20,733 mortgage applications and 13,877 loans originated in 2025; the denial rate was 15.0% of 16,997 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Des Moines-West Des Moines, IA HUD Metro FMR Area.
- 20,733
- Applications
- 13,877
- Loans originated
- 15.0%
- Denial rate
- 2,549 denied of 16,997 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 20,733 | 13,877 |
| 2024 | 18,577 | 12,623 |
| 2023 | 17,456 | 11,882 |
| 2022 | 24,576 | 17,057 |
| 2021 | 38,441 | 27,845 |
| 2020 | 39,575 | 29,183 |
| 2019 | 25,808 | 18,912 |
| 2018 | 22,456 | 16,352 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenstate Credit Union | 1,906 | 2,582 |
| Veridian Credit Union | 1,683 | 2,469 |
| Community Choice Credit Union | 1,020 | 1,545 |
| Rocket Mortgage | 455 | 608 |
| Northwest Bank | 365 | 464 |
| Bankers Trust Company | 338 | 423 |
| New American Funding, LLC. | 322 | 504 |
| US Bank, N.A. | 312 | 551 |
| United Wholesale Mortgage | 307 | 422 |
| Premier Credit Union | 272 | 280 |
| Homeservices Lending LLC | 259 | 313 |
| Guaranteed Rate, Inc. | 257 | 384 |
| Luana Savings Bank | 237 | 271 |
| Iowa Bankers Mortgage Corporation | 230 | 281 |
| DHI Mortgage Company, LTD. | 229 | 341 |
| Greater Iowa Credit Union | 215 | 378 |
| Gershman Investment Corp. | 205 | 246 |
| Central Bank | 194 | 246 |
| Barrington Bank & Trust Company, N.A. | 160 | 242 |
| Fidelity Bank | 159 | 200 |
| Guild Mortgage Company | 140 | 173 |
| Financial Plus Credit Union | 136 | 154 |
| Pennymac Loan Services LLC | 132 | 254 |
| Lower, LLC | 127 | 161 |
| Wells Fargo Bank NA | 127 | 207 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 75 | 30.2% of 63 decided |
| Asian | 677 | 15.4% of 533 decided |
| Black or African American | 905 | 28.2% of 696 decided |
| Native Hawaiian or Other Pacific Islander | 22 | no rate: base under 50 |
| White | 15,574 | 13.3% of 12,893 decided |
| 2 or more minority races | withheld | |
| Joint | 420 | 12.4% of 363 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,031 | 20.0% of 2,405 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,800 | 23.4% of 1,451 decided |
| Not Hispanic or Latino | 15,589 | 13.4% of 12,897 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,912 | 18.4% of 2,307 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,601 | 17.0% of 5,326 decided |
| Female | 4,551 | 19.2% of 3,730 decided |
| Joint | 7,612 | 10.3% of 6,391 decided |
| Sex Not Available | 1,969 | 17.3% of 1,550 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. 1247 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