Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Black Hawk County, Iowa
Every institution that decided a 1–4 unit mortgage application in Black Hawk County, home to Waterloo, between 2023 and 2025: 10,624 applications, 9,127 loans actually funded, across 8 kinds of borrowing.
Black Hawk County at a glance
10,624Applications decided
2023–2025
9,127Loans funded
86% of decisions
39Census tracts
8 ZIP codes
130,693People
ACS 2023
What the data shows
The typical purchase mortgage here is $155K.
Cash-out refinance is the hardest money to get here: lenders approved 75% of 1,141 applications.
Lending by loan type in Black Hawk County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.2% | 5,513 | $155K | 97% | 153 |
| Home improvement loans | 85.5% | 1,584 | $35K | 97% | 42 |
| Cash-out refinance | 75.2% | 1,141 | $95K | 94% | 69 |
| Refinance | 86.4% | 1,223 | $65K | 96% | 79 |
| Investment property purchase | 95.8% | 838 | $95K | 97% | 80 |
| Investment cash-out refinance | 80.2% | 86 | $125K | 94% | 22 |
| Investment refinance | 93.8% | 178 | $75K | 97% | 27 |
| Investment home improvement | 77.0% | 61 | $65K | 94% | 25 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.