Iowa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

Discover comprehensive Iowa mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all Iowa based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Iowa's mortgage market trends.

Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 211,858
Total Mortgage Loan Application Amount $38,466,960,000
Average Mortgage Loan Application Amount $181,000
Highest Mortgage Loan Application Amount $73,155,000
Average Applicant Income $97,000
Highest Applicant Income $8,500,000

Explore comprehensive HMDA mortgage statistics and application trends for 2021 in Iowa. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Iowa, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2021 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Iowa.

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Mortgage Loan Application Detail Totals for Iowa in 2021

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 82,783 $16,584,770,000 $200,000 $35,515,000 $89,000 $5,833,000
Refinancing 75,667 $14,336,070,000 $189,000 $73,155,000 $102,000 $6,493,000
Cash-out Refinancing 35,053 $6,199,825,000 $176,000 $10,645,000 $97,000 $3,457,000
Home Improvement 8,803 $562,445,000 $63,000 $8,725,000 $104,000 $8,500,000
Other Purpose 8,512 $660,230,000 $77,000 $1,095,000 $111,000 $5,200,000
Not Applicable 1,040 $123,620,000 $118,000 $20,165,000 $33,000 $137,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 150,434 $24,987,800,000 $166,000 $18,875,000 $97,000 $8,500,000
Not applicable 25,652 $7,377,390,000 $287,000 $35,515,000 $102,000 $1,012,000
Not Provided 18,907 $3,412,465,000 $180,000 $73,155,000 $101,000 $6,493,000
Hispanic 7,505 $1,044,315,000 $139,000 $1,435,000 $73,000 $3,900,000
Black or African American 4,028 $624,700,000 $155,000 $1,905,000 $75,000 $2,443,000
Asian 3,913 $758,185,000 $193,000 $1,295,000 $103,000 $3,457,000
American Indian or Alaskan Native 649 $101,395,000 $156,000 $1,095,000 $84,000 $800,000
Native Hawaiian or Other Pacific Islander 119 $19,325,000 $162,000 $995,000 $95,000 $505,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 176,877 $32,165,215,000 $181,000 $73,155,000 $101,000 $8,500,000
FHA-insured (Federal Housing Administration) 17,851 $2,850,115,000 $159,000 $8,805,000 $58,000 $862,000
VA-guaranteed (Veterans Administration) 13,647 $2,973,335,000 $217,000 $2,305,000 $77,000 $1,224,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3,483 $478,295,000 $137,000 $1,435,000 $51,000 $700,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 135,085 $25,091,490,000 $185,000 $35,515,000 $100,000 $8,500,000
Loan Purchased By The Institution 24,925 $5,196,195,000 $208,000 $1,555,000 $99,000 $1,521,000
Application Withdrawn By Applicant 21,319 $3,660,490,000 $171,000 $20,875,000 $98,000 $4,312,000
Application Denied By Financial Institution 18,223 $2,585,095,000 $141,000 $73,155,000 $73,000 $5,833,000
File Closed For Incompleteness 7,872 $1,183,330,000 $150,000 $2,305,000 $92,000 $2,633,000
Application Approved But Not Accepted 4,154 $702,180,000 $169,000 $20,405,000 $93,000 $4,620,000
Preapproval Approved but not Accepted 211 $38,075,000 $180,000 $705,000 $81,000 $746,000
Preapproval Denied by Financial Institution 69 $10,105,000 $146,000 $675,000 $68,000 $653,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 187,980 $34,740,560,000 $184,000 $35,515,000 $99,000 $8,500,000
Debt-To-Income Ratio 10,547 $1,842,755,000 $174,000 $24,005,000 $79,000 $5,685,000
Credit History 4,918 $611,370,000 $124,000 $73,155,000 $74,000 $1,414,000
Credit Application Incomplete 2,939 $462,035,000 $157,000 $1,505,000 $86,000 $2,443,000
Other 2,112 $291,040,000 $137,000 $20,165,000 $79,000 $5,200,000
Collateral 2,002 $309,400,000 $154,000 $6,935,000 $91,000 $5,833,000
Unverifiable Information 676 $102,510,000 $151,000 $2,005,000 $95,000 $3,152,000
Employment History 341 $49,905,000 $146,000 $1,445,000 $54,000 $405,000
Insufficient Cash (Downpayment, Closing Cost) 332 $55,330,000 $166,000 $1,085,000 $89,000 $3,457,000
Mortgage Insurance Denied 11 $2,055,000 $186,000 $445,000 $189,000 $1,080,000
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Mortgage Loan Application Totals in 2021 by Iowa Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
AMES, IA 7,031 $ 1,446,020,000 $ 205,000 $ 102,000
CEDAR RAPIDS, IA 25,025 $ 4,101,765,000 $ 163,000 $ 93,000
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 13,996 $ 2,718,745,000 $ 194,000 $ 103,000
DES MOINES-WEST DES MOINES, IA 65,766 $ 14,179,390,000 $ 215,000 $ 107,000
DUBUQUE, IA 7,051 $ 1,240,315,000 $ 175,000 $ 95,000
IOWA CITY, IA 15,608 $ 3,265,010,000 $ 209,000 $ 115,000
SIOUX CITY, IA-NE-SD 4,929 $ 796,485,000 $ 161,000 $ 79,000
WATERLOO-CEDAR FALLS, IA 12,929 $ 1,941,125,000 $ 150,000 $ 86,000
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Mortgage Loan Application Totals in 2021 by Iowa County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adair 254 $ 32,340,000 $ 127,000 $ 76,000
Adams 88 $ 12,430,000 $ 141,000 $ 75,000
Allamakee 375 $ 46,505,000 $ 124,000 $ 81,000
Appanoose 419 $ 60,195,000 $ 143,000 $ 90,000
Audubon 161 $ 20,275,000 $ 125,000 $ 74,000
Benton 1,998 $ 293,280,000 $ 146,000 $ 86,000
Black Hawk 10,122 $ 1,493,990,000 $ 147,000 $ 85,000
Boone 1,946 $ 329,015,000 $ 169,000 $ 86,000
Bremer 1,927 $ 324,895,000 $ 168,000 $ 89,000
Buchanan 1,332 $ 178,470,000 $ 133,000 $ 79,000
Buena Vista 631 $ 87,965,000 $ 139,000 $ 79,000
Butler 952 $ 123,950,000 $ 130,000 $ 75,000
Calhoun 318 $ 36,290,000 $ 114,000 $ 75,000
Carroll 723 $ 107,245,000 $ 148,000 $ 96,000
Cass 519 $ 64,035,000 $ 123,000 $ 74,000
Cedar 1,478 $ 229,700,000 $ 155,000 $ 83,000
Cerro Gordo 1,441 $ 242,215,000 $ 168,000 $ 97,000
Cherokee 426 $ 51,560,000 $ 121,000 $ 69,000
Chickasaw 487 $ 60,105,000 $ 123,000 $ 77,000
Clarke 528 $ 77,720,000 $ 147,000 $ 77,000
Clay 846 $ 117,140,000 $ 138,000 $ 78,000
Clayton 797 $ 100,385,000 $ 125,000 $ 79,000
Clinton 2,095 $ 306,835,000 $ 146,000 $ 79,000
Crawford 535 $ 62,215,000 $ 116,000 $ 76,000
Dallas 11,378 $ 2,966,780,000 $ 260,000 $ 135,000
Davis 243 $ 34,525,000 $ 142,000 $ 84,000
Decatur 253 $ 29,645,000 $ 117,000 $ 72,000
Delaware 1,088 $ 160,140,000 $ 147,000 $ 89,000
Des Moines 1,654 $ 204,000,000 $ 123,000 $ 76,000
Dickinson 1,763 $ 463,785,000 $ 263,000 $ 163,000
Dubuque 7,051 $ 1,240,315,000 $ 175,000 $ 95,000
Emmet 387 $ 44,965,000 $ 116,000 $ 66,000
Fayette 819 $ 87,935,000 $ 107,000 $ 69,000
Floyd 316 $ 38,550,000 $ 121,000 $ 74,000
Franklin 242 $ 30,260,000 $ 125,000 $ 77,000
Fremont 370 $ 52,360,000 $ 141,000 $ 83,000
Greene 329 $ 35,945,000 $ 109,000 $ 73,000
Grundy 880 $ 122,240,000 $ 138,000 $ 86,000
Guthrie 753 $ 161,315,000 $ 214,000 $ 143,000
Hamilton 561 $ 72,515,000 $ 129,000 $ 77,000
Hancock 277 $ 37,175,000 $ 134,000 $ 73,000
Hardin 650 $ 76,300,000 $ 117,000 $ 75,000
Harrison 878 $ 138,990,000 $ 158,000 $ 91,000
Henry 705 $ 100,895,000 $ 143,000 $ 86,000
Howard 111 $ 13,735,000 $ 123,000 $ 66,000
Humboldt 415 $ 56,985,000 $ 137,000 $ 80,000
Ida 202 $ 24,510,000 $ 121,000 $ 77,000
Iowa 1,112 $ 163,740,000 $ 147,000 $ 85,000
Jackson 784 $ 107,720,000 $ 137,000 $ 76,000
Jasper 2,689 $ 411,635,000 $ 153,000 $ 83,000
Jefferson 608 $ 86,110,000 $ 141,000 $ 79,000
Johnson 13,863 $ 3,003,575,000 $ 216,000 $ 119,000
Jones 1,308 $ 195,930,000 $ 149,000 $ 87,000
Keokuk 410 $ 42,270,000 $ 103,000 $ 68,000
Kossuth 537 $ 71,185,000 $ 132,000 $ 72,000
Lee 705 $ 91,785,000 $ 130,000 $ 78,000
Linn 21,719 $ 3,612,555,000 $ 166,000 $ 93,000
Louisa 364 $ 47,390,000 $ 130,000 $ 83,000
Lucas 480 $ 56,000,000 $ 116,000 $ 70,000
Lyon 485 $ 82,995,000 $ 171,000 $ 78,000
Madison 1,414 $ 306,850,000 $ 217,000 $ 106,000
Mahaska 1,021 $ 134,225,000 $ 131,000 $ 80,000
Marion 2,014 $ 362,170,000 $ 179,000 $ 92,000
Marshall 1,729 $ 219,905,000 $ 127,000 $ 73,000
Mills 1,267 $ 266,535,000 $ 210,000 $ 100,000
Mitchell 164 $ 24,770,000 $ 151,000 $ 89,000
Monona 352 $ 43,230,000 $ 122,000 $ 78,000
Monroe 280 $ 37,740,000 $ 134,000 $ 77,000
Montgomery 429 $ 49,685,000 $ 115,000 $ 79,000
Muscatine 1,889 $ 281,215,000 $ 148,000 $ 86,000
O'Brien 397 $ 50,605,000 $ 127,000 $ 71,000
Osceola 156 $ 18,260,000 $ 117,000 $ 72,000
Page 638 $ 150,420,000 $ 235,000 $ 72,000
Palo Alto 334 $ 41,010,000 $ 122,000 $ 80,000
Plymouth 973 $ 159,545,000 $ 163,000 $ 86,000
Pocahontas 192 $ 19,620,000 $ 102,000 $ 87,000
Polk 44,396 $ 9,230,620,000 $ 207,000 $ 102,000
Pottawattamie 6,667 $ 1,080,175,000 $ 162,000 $ 86,000
Poweshiek 1,404 $ 200,700,000 $ 142,000 $ 90,000
Ringgold 240 $ 51,070,000 $ 212,000 $ 151,000
Sac 271 $ 34,175,000 $ 126,000 $ 80,000
Scott 13,996 $ 2,718,745,000 $ 194,000 $ 103,000
Shelby 463 $ 75,515,000 $ 163,000 $ 82,000
Sioux 1,367 $ 240,505,000 $ 175,000 $ 90,000
Story 5,085 $ 1,117,005,000 $ 219,000 $ 108,000
Tama 746 $ 93,810,000 $ 125,000 $ 79,000
Taylor 206 $ 26,160,000 $ 126,000 $ 72,000
Union 470 $ 60,650,000 $ 129,000 $ 72,000
Van Buren 111 $ 14,775,000 $ 133,000 $ 96,000
Wapello 1,193 $ 132,685,000 $ 111,000 $ 74,000
Warren 5,136 $ 1,102,190,000 $ 214,000 $ 104,000
Washington 1,745 $ 261,435,000 $ 149,000 $ 83,000
Wayne 222 $ 27,840,000 $ 125,000 $ 82,000
Webster 1,818 $ 227,530,000 $ 125,000 $ 78,000
Winnebago 326 $ 39,410,000 $ 120,000 $ 72,000
Winneshiek 432 $ 72,380,000 $ 167,000 $ 92,000
Woodbury 4,929 $ 796,485,000 $ 161,000 $ 79,000
Worth 250 $ 29,790,000 $ 119,000 $ 79,000
Wright 349 $ 42,015,000 $ 120,000 $ 79,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Iowa's 2021 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.

This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively. Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Iowa's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.

Download the Iowa Lender List