Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Polk County, Iowa
Every institution that decided a 1–4 unit mortgage application in Polk County, home to Des Moines, between 2023 and 2025: 39,466 applications, 33,139 loans actually funded, across 8 kinds of borrowing.
Polk County at a glance
39,466Applications decided
2023–2025
33,139Loans funded
84% of decisions
112Census tracts
28 ZIP codes
497,441People
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 68% of 4,483 applications.
Lending by loan type in Polk County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.1% | 22,553 | $225K | 98% | 366 |
| Home improvement loans | 79.8% | 5,023 | $55K | 95% | 112 |
| Cash-out refinance | 68.2% | 4,483 | $135K | 94% | 175 |
| Refinance | 83.8% | 4,312 | $155K | 95% | 194 |
| Investment property purchase | 94.5% | 2,002 | $155K | 98% | 194 |
| Investment cash-out refinance | 79.7% | 310 | $125K | 94% | 82 |
| Investment refinance | 90.5% | 645 | $125K | 97% | 96 |
| Investment home improvement | 71.7% | 138 | $85K | 97% | 53 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.