Iowa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

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 103,054
Total Mortgage Loan Application Amount $17,406,945,000
Average Mortgage Loan Application Amount $168,000
Highest Mortgage Loan Application Amount $79,005,000
Average Applicant Income $107,000
Highest Applicant Income $7,015,000

Explore comprehensive HMDA mortgage statistics and application trends for 2023 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 2023 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 2023

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 59,988 $12,652,335,000 $210,000 $79,005,000 $107,000 $7,015,000
Other Purpose 11,582 $785,480,000 $67,000 $18,005,000 $111,000 $6,656,000
Cash-out Refinancing 11,250 $1,689,040,000 $150,000 $40,145,000 $94,000 $6,970,000
Home Improvement 10,403 $624,045,000 $59,000 $10,005,000 $114,000 $3,312,000
Refinancing 9,615 $1,636,825,000 $170,000 $33,305,000 $113,000 $5,541,000
Not Applicable 216 $19,220,000 $88,000 $305,000 $63,000 $111,000

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 70,576 $10,742,395,000 $152,000 $4,245,000 $109,000 $7,015,000
Not applicable 13,507 $3,674,015,000 $272,000 $79,005,000 $137,000 $1,700,000
Not Provided 8,192 $1,303,360,000 $159,000 $3,105,000 $110,000 $2,588,000
Hispanic 5,327 $734,645,000 $137,000 $40,145,000 $84,000 $2,550,000
Black or African American 2,707 $423,475,000 $156,000 $835,000 $86,000 $1,416,000
Asian 1,917 $385,585,000 $201,000 $1,605,000 $120,000 $2,609,000
American Indian or Alaskan Native 406 $61,900,000 $152,000 $1,215,000 $97,000 $3,245,000
Native Hawaiian or Other Pacific Islander 91 $11,555,000 $126,000 $625,000 $120,000 $2,631,000

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) 84,879 $13,732,620,000 $161,000 $79,005,000 $113,000 $7,015,000
FHA-insured (Federal Housing Administration) 11,030 $2,045,790,000 $185,000 $535,000 $76,000 $1,500,000
VA-guaranteed (Veterans Administration) 5,651 $1,422,315,000 $251,000 $1,375,000 $94,000 $665,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,494 $206,220,000 $138,000 $365,000 $64,000 $900,000

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 63,883 $11,115,865,000 $174,000 $79,005,000 $113,000 $6,970,000
Application Denied By Financial Institution 11,553 $1,275,600,000 $110,000 $40,145,000 $81,000 $7,009,000
Application Withdrawn By Applicant 11,359 $1,925,855,000 $169,000 $16,855,000 $106,000 $4,639,000
Loan Purchased By The Institution 10,590 $2,377,950,000 $224,000 $10,335,000 $125,000 $1,700,000
File Closed For Incompleteness 3,180 $378,480,000 $119,000 $1,605,000 $97,000 $7,015,000
Application Approved But Not Accepted 2,290 $298,970,000 $130,000 $4,005,000 $105,000 $1,260,000
Preapproval Approved but not Accepted 121 $22,535,000 $186,000 $705,000 $97,000 $499,000
Preapproval Denied by Financial Institution 78 $11,690,000 $149,000 $505,000 $75,000 $1,020,000

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 84,601 $14,771,255,000 $174,000 $79,005,000 $110,000 $7,015,000
Debt-To-Income Ratio 10,590 $1,834,135,000 $173,000 $40,145,000 $97,000 $7,009,000
Credit History 3,964 $315,240,000 $79,000 $3,105,000 $85,000 $6,240,000
Collateral 1,418 $161,110,000 $113,000 $805,000 $94,000 $1,555,000
Other 862 $97,630,000 $113,000 $3,905,000 $98,000 $2,076,000
Credit Application Incomplete 833 $113,155,000 $135,000 $945,000 $97,000 $6,656,000
Unverifiable Information 328 $44,760,000 $136,000 $805,000 $77,000 $491,000
Employment History 227 $29,855,000 $131,000 $565,000 $72,000 $2,631,000
Insufficient Cash (Downpayment, Closing Cost) 225 $39,065,000 $173,000 $1,255,000 $77,000 $503,000
Mortgage Insurance Denied 6 $740,000 $123,000 $445,000 $74,000 $166,000
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Mortgage Loan Application Totals in 2023 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 3,139 $ 574,035,000 $ 182,000 $ 116,000
CEDAR RAPIDS, IA 11,810 $ 1,814,100,000 $ 153,000 $ 103,000
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 6,048 $ 1,082,680,000 $ 179,000 $ 111,000
DES MOINES-WEST DES MOINES, IA 29,596 $ 6,097,070,000 $ 206,000 $ 121,000
DUBUQUE, IA 3,570 $ 546,560,000 $ 153,000 $ 101,000
IOWA CITY, IA 6,841 $ 1,428,085,000 $ 208,000 $ 132,000
SIOUX CITY, IA-NE-SD 2,806 $ 422,220,000 $ 150,000 $ 91,000
WATERLOO-CEDAR FALLS, IA 6,400 $ 830,130,000 $ 129,000 $ 99,000
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Mortgage Loan Application Totals in 2023 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 203 $ 27,155,000 $ 133,000 $ 82,000
Adams 62 $ 9,510,000 $ 153,000 $ 92,000
Allamakee 207 $ 34,445,000 $ 166,000 $ 94,000
Appanoose 296 $ 37,740,000 $ 127,000 $ 85,000
Audubon 145 $ 15,025,000 $ 103,000 $ 82,000
Benton 1,101 $ 152,045,000 $ 138,000 $ 95,000
Black Hawk 4,952 $ 630,500,000 $ 127,000 $ 97,000
Boone 979 $ 148,545,000 $ 151,000 $ 99,000
Bremer 926 $ 132,580,000 $ 143,000 $ 111,000
Buchanan 763 $ 93,415,000 $ 122,000 $ 97,000
Buena Vista 370 $ 54,320,000 $ 146,000 $ 89,000
Butler 455 $ 57,875,000 $ 127,000 $ 93,000
Calhoun 227 $ 31,395,000 $ 138,000 $ 105,000
Carroll 308 $ 44,910,000 $ 145,000 $ 95,000
Cass 295 $ 35,075,000 $ 118,000 $ 86,000
Cedar 836 $ 121,830,000 $ 145,000 $ 96,000
Cerro Gordo 651 $ 108,755,000 $ 167,000 $ 108,000
Cherokee 233 $ 28,945,000 $ 124,000 $ 94,000
Chickasaw 270 $ 32,900,000 $ 121,000 $ 96,000
Clarke 296 $ 42,610,000 $ 143,000 $ 89,000
Clay 434 $ 58,630,000 $ 135,000 $ 82,000
Clayton 406 $ 49,070,000 $ 120,000 $ 96,000
Clinton 1,088 $ 135,440,000 $ 124,000 $ 84,000
Crawford 346 $ 39,670,000 $ 114,000 $ 80,000
Dallas 4,958 $ 1,278,570,000 $ 257,000 $ 155,000
Davis 137 $ 14,035,000 $ 102,000 $ 88,000
Decatur 190 $ 26,700,000 $ 140,000 $ 94,000
Delaware 581 $ 86,265,000 $ 148,000 $ 99,000
Des Moines 814 $ 92,500,000 $ 113,000 $ 86,000
Dickinson 751 $ 211,635,000 $ 281,000 $ 189,000
Dubuque 3,570 $ 546,560,000 $ 153,000 $ 101,000
Emmet 181 $ 22,145,000 $ 122,000 $ 76,000
Fayette 619 $ 61,815,000 $ 99,000 $ 77,000
Floyd 186 $ 28,690,000 $ 154,000 $ 82,000
Franklin 135 $ 13,065,000 $ 96,000 $ 67,000
Fremont 199 $ 31,915,000 $ 160,000 $ 108,000
Greene 290 $ 29,220,000 $ 100,000 $ 81,000
Grundy 522 $ 67,050,000 $ 128,000 $ 89,000
Guthrie 370 $ 71,770,000 $ 193,000 $ 140,000
Hamilton 330 $ 43,890,000 $ 133,000 $ 92,000
Hancock 196 $ 26,240,000 $ 133,000 $ 96,000
Hardin 402 $ 47,220,000 $ 117,000 $ 79,000
Harrison 468 $ 68,145,000 $ 145,000 $ 102,000
Henry 363 $ 46,855,000 $ 129,000 $ 86,000
Howard 181 $ 22,525,000 $ 124,000 $ 73,000
Humboldt 228 $ 29,720,000 $ 130,000 $ 92,000
Ida 154 $ 16,690,000 $ 108,000 $ 77,000
Iowa 566 $ 80,260,000 $ 141,000 $ 94,000
Jackson 400 $ 56,340,000 $ 140,000 $ 96,000
Jasper 1,485 $ 218,475,000 $ 147,000 $ 99,000
Jefferson 391 $ 49,205,000 $ 125,000 $ 88,000
Johnson 5,871 $ 1,293,075,000 $ 220,000 $ 138,000
Jones 656 $ 97,510,000 $ 148,000 $ 95,000
Keokuk 261 $ 25,505,000 $ 97,000 $ 77,000
Kossuth 273 $ 30,885,000 $ 113,000 $ 89,000
Lee 395 $ 52,425,000 $ 132,000 $ 75,000
Linn 10,053 $ 1,564,545,000 $ 155,000 $ 104,000
Louisa 217 $ 23,975,000 $ 110,000 $ 77,000
Lucas 311 $ 36,945,000 $ 118,000 $ 88,000
Lyon 266 $ 43,980,000 $ 165,000 $ 108,000
Madison 675 $ 127,825,000 $ 189,000 $ 113,000
Mahaska 628 $ 69,360,000 $ 110,000 $ 87,000
Marion 1,054 $ 176,100,000 $ 167,000 $ 104,000
Marshall 797 $ 99,165,000 $ 124,000 $ 79,000
Mills 647 $ 128,225,000 $ 198,000 $ 124,000
Mitchell 156 $ 26,740,000 $ 171,000 $ 79,000
Monona 212 $ 28,920,000 $ 136,000 $ 89,000
Monroe 129 $ 17,015,000 $ 131,000 $ 95,000
Montgomery 342 $ 37,040,000 $ 108,000 $ 87,000
Muscatine 1,315 $ 177,215,000 $ 134,000 $ 88,000
O'Brien 212 $ 28,010,000 $ 132,000 $ 75,000
Osceola 91 $ 10,835,000 $ 119,000 $ 76,000
Page 363 $ 39,995,000 $ 110,000 $ 82,000
Palo Alto 185 $ 22,425,000 $ 121,000 $ 83,000
Plymouth 471 $ 81,575,000 $ 173,000 $ 110,000
Pocahontas 106 $ 12,790,000 $ 120,000 $ 93,000
Polk 19,691 $ 3,898,755,000 $ 197,000 $ 114,000
Pottawattamie 3,312 $ 510,180,000 $ 154,000 $ 97,000
Poweshiek 680 $ 100,860,000 $ 148,000 $ 113,000
Ringgold 154 $ 27,970,000 $ 181,000 $ 118,000
Sac 165 $ 20,775,000 $ 125,000 $ 87,000
Scott 6,048 $ 1,082,680,000 $ 179,000 $ 111,000
Shelby 269 $ 34,175,000 $ 127,000 $ 95,000
Sioux 635 $ 118,785,000 $ 187,000 $ 105,000
Story 2,160 $ 425,490,000 $ 196,000 $ 123,000
Tama 393 $ 45,795,000 $ 116,000 $ 81,000
Taylor 97 $ 10,085,000 $ 103,000 $ 61,000
Union 277 $ 32,735,000 $ 118,000 $ 79,000
Van Buren 88 $ 10,270,000 $ 116,000 $ 83,000
Wapello 871 $ 94,595,000 $ 108,000 $ 91,000
Warren 2,417 $ 501,675,000 $ 207,000 $ 122,000
Washington 970 $ 135,010,000 $ 139,000 $ 98,000
Wayne 131 $ 21,585,000 $ 164,000 $ 83,000
Webster 928 $ 106,970,000 $ 115,000 $ 86,000
Winnebago 218 $ 27,410,000 $ 125,000 $ 84,000
Winneshiek 235 $ 37,435,000 $ 159,000 $ 104,000
Woodbury 2,806 $ 422,220,000 $ 150,000 $ 91,000
Worth 101 $ 12,085,000 $ 119,000 $ 83,000
Wright 206 $ 67,440,000 $ 327,000 $ 104,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Iowa's 2023 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