2025 activity year · Official source proof
Iowa mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated68.1% · 75,933
Approved, not accepted2.7% · 3,014
Denied12.8% · 14,267
Withdrawn12.0% · 13,373
File closed for incompleteness3.9% · 4,332
Preapproval denied0.1% · 69
Preapproval approved, not accepted0.4% · 438
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
49%Home purchase
- Home purchase48.7%
- Home improvement9.4%
- Other purpose12.3%
- Not applicable0.1%
- Refinancing16.5%
- Cash-out refinancing13.0%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.