Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Johnson County, Iowa
Every institution that decided a 1–4 unit mortgage application in Johnson County, home to Iowa City, between 2023 and 2025: 12,021 applications, 10,604 loans actually funded, across 8 kinds of borrowing.
Johnson County at a glance
12,021Applications decided
2023–2025
10,604Loans funded
88% of decisions
36Census tracts
10 ZIP codes
154,881People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Cash-out refinance is the hardest money to get here: lenders approved 79% of 987 applications.
Lending by loan type in Johnson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 94.2% | 6,556 | $225K | 97% | 196 |
| Home improvement loans | 87.1% | 1,360 | $55K | 93% | 47 |
| Cash-out refinance | 78.6% | 987 | $85K | 95% | 80 |
| Refinance | 89.8% | 1,799 | $105K | 97% | 90 |
| Investment property purchase | 96.5% | 1,083 | $165K | 95% | 106 |
| Investment cash-out refinance | 86.2% | 29 | $165K | 100% | 10 |
| Investment refinance | 91.5% | 130 | $145K | 97% | 27 |
| Investment home improvement | 83.1% | 77 | $55K | 97% | 14 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.