Benton County, IA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,117 mortgage applications in Benton County, IA totaling $162.7 million, up 1% from 2023. The average application was for $145,000, and applicants reported an average income of $106,000. 62% of applications resulted in an originated loan and 9% were denied. The most active lender was Greenstate Credit Union, with 176 applications, followed by Veridian Credit Union and Cedar Valley Bank & Trust.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  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 1,117
Total Mortgage Loan Application Amount $162,685,000
Average Mortgage Loan Application Amount $145,000
Highest Mortgage Loan Application Amount $735,000
Average Applicant Income $106,000
Highest Applicant Income $5,702,000

Mortgage Company List for Lending in Benton County, IA for 2024

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 176 $ 24,930,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ n/a 90 $ 8,890,000
Cedar Valley Bank & Trust
321 MAIN ST
LA PORTE CITY, IA 50651
* $ n/a 82 $ 11,740,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ n/a 47 $ 3,515,000
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ n/a 43 $ 7,945,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ n/a 39 $ 3,925,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 35 $ 8,175,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 33 $ 4,325,000
Farmers Savings Bank & Trust
401 B AVE
VINTON, IA 52349
* $ n/a 28 $ 3,800,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 27 $ 4,635,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 26 $ 5,700,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 26 $ 5,890,000
Corda Credit Union
3015 BLAIRS FERRY RD NE
CEDAR RAPIDS, IA 52402
* $ n/a 22 $ 2,540,000
Atkins Savings Bank & Trust
97 MAIN AVE
ATKINS, IA 52206
* $ n/a 21 $ 2,205,000
First Federal Credit Union
425 1ST AVE SW
CEDAR RAPIDS, IA 52405
* $ n/a 20 $ 890,000
Community 1st Credit Union
1030 SIERRA DR NE
OTTUMWA, IA 52501
* $ n/a 17 $ 1,355,000
Chelsea Savings Bank
601 13TH STREET
BELLE PLAINE, IA 52208
* $ n/a 17 $ 1,195,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ n/a 17 $ 1,955,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 15 $ 3,715,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ n/a 15 $ 2,865,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 14 $ 1,900,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 1,265,000
Farmers State Bank
1240 8TH AVE
MARION, IA 52302
* $ n/a 11 $ 1,235,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 11 $ 2,125,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 10 $ 2,360,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 9 $ 2,755,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 9 $ 1,695,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 8 $ 480,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 8 $ 1,020,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 8 $ 1,180,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 8 $ 600,000
Bankiowa
7045 C AVE NE
CEDAR RAPIDS, IA 52402
* $ n/a 7 $ 595,000
Cedar Rapids Bank and Trust
500 1ST AVENUE NE SUITE 100
CEDAR RAPIDS, IA 52401
* $ n/a 6 $ 1,370,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 600,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ n/a 6 $ 1,250,000
Ohnward Bank and Trust
332 1ST AVE W
CASCADE, IA 52033
* $ n/a 6 $ 1,140,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 5 $ 1,155,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 5 $ 1,005,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 5 $ 625,000
Bankers Trust Company
453 7TH ST.
DES MOINES, IA 50309
* $ n/a 4 $ 390,000
Keystone Savings Bank
81 MAIN STREET, PO BOX 367
KEYSTONE, IA 52249
* $ n/a 4 $ 520,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ n/a 4 $ 480,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 4 $ 810,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 4 $ 710,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 800,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 290,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 3 $ 655,000
Community Savings Bank
PO BOX 77
EDGEWOOD, IA 52402
* $ n/a 3 $ 975,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 3 $ 425,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 685,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 3 $ 355,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 3 $ 415,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 835,000
Northeast Security Bank
108 NORTH CARPENTER
SUMNER, IA 50674
* $ n/a 3 $ 665,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 3 $ 285,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 235,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 100,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 230,000
First State Bank
413 EAST ST
LYNNVILLE, IA 50153
* $ n/a 2 $ 450,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ n/a 2 $ 270,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 2 $ 180,000
Washington State Bank
121 S MARION AVE
WASHINGTON, IA 52353
* $ n/a 2 $ 360,000
Mount Vernon Bank and Trust Company
206 FIRST ST SW
MOUNT VERNON, IA 52314
* $ n/a 2 $ 190,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 290,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 2 $ 270,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 2 $ 380,000
Grinnell State Bank
814 FOURTH AVENUE
GRINNELL, IA 50112
* $ n/a 2 $ 160,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 2 $ 320,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 430,000
Farmers & Merchants Savings Bank
PO BOX 588 101 E MAIN ST
MANCHESTER, IA 52057
* $ n/a 2 $ 640,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 250,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 300,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 2 $ 800,000
Fairfax State Savings Bank
PO BOX 277
FAIRFAX, IA 52228
* $ n/a 2 $ 230,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 650,000
Lincoln Savings Bank
301 WASHINGTON ST
REINBECK, IA 50669
* $ n/a 2 $ 550,000
Farmers State Bank
131 TOWER PARK DRIVE SUITE 100
WATERLOO, IA 50701
* $ n/a 2 $ 310,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 195,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 155,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 485,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 125,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ n/a 1 $ 185,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 145,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 185,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 155,000
Contract Exchange Corporation
425 2ND ST SE #370
CEDAR RAPIDS, IA 52401
* $ n/a 1 $ 115,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 345,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 265,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 135,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 35,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ n/a 1 $ 105,000
Citizens State Bank
117 W 1ST ST (PO BOX 517)
MONTICELLO, IA 52310
* $ n/a 1 $ 35,000
Gnb Bank
529 G AVENUE
GRUNDY CENTER, IA 50638
* $ n/a 1 $ 55,000
Cedar Falls Community Credit Union
123 W 4TH ST
CEDAR FALLS, IA 50613
* $ n/a 1 $ 55,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 385,000
Kerndt Brothers Savings Bank
370 MAIN ST PO BOX 370
LANSING, IA 52151
* $ n/a 1 $ 95,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 135,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 145,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 195,000
Aim Credit Union
1200 ASSOCIATES DR STE 102
DUBUQUE, IA 52002
* $ n/a 1 $ 85,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 105,000
Green Belt Bank & Trust
616 WASHINGTON AVE.
IOWA FALLS, IA 50126
* $ n/a 1 $ 105,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 55,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 215,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 185,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 405,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 1 $ 145,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 35,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 115,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 165,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 335,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 145,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 125,000

The tables below break down 2024 mortgage applications in Benton County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Benton County, IA in 2024

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 528 $96,110,000 $182,000 $655,000 $94,000 $842,000
Refinancing 184 $29,960,000 $162,000 $735,000 $108,000 $1,608,000
Cash-out Refinancing 150 $22,870,000 $152,000 $505,000 $145,000 $5,702,000
Other Purpose 142 $7,580,000 $53,000 $275,000 $100,000 $335,000
Home Improvement 112 $6,020,000 $53,000 $305,000 $105,000 $332,000
Not Applicable 1 $145,000 $145,000 $145,000 $0 $0

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 896 $122,120,000 $136,000 $735,000 $107,000 $5,702,000
Not applicable 139 $28,135,000 $202,000 $535,000 $122,000 $341,000
Not Provided 51 $7,955,000 $155,000 $385,000 $89,000 $215,000
Hispanic 17 $1,985,000 $116,000 $375,000 $74,000 $170,000
Black or African American 8 $1,730,000 $216,000 $405,000 $87,000 $199,000
Asian 5 $695,000 $139,000 $455,000 $118,000 $206,000
American Indian or Alaskan Native 1 $65,000 $65,000 $65,000 $56,000 $56,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 921 $123,345,000 $133,000 $655,000 $111,000 $5,702,000
FHA-insured (Federal Housing Administration) 95 $17,145,000 $180,000 $455,000 $78,000 $297,000
VA-guaranteed (Veterans Administration) 65 $17,195,000 $264,000 $735,000 $93,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $5,000,000 $138,000 $285,000 $58,000 $103,000

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 694 $100,440,000 $144,000 $735,000 $111,000 $5,702,000
Application Withdrawn By Applicant 125 $16,515,000 $132,000 $565,000 $87,000 $255,000
Loan Purchased By The Institution 122 $26,540,000 $217,000 $535,000 $113,000 $341,000
Application Denied By Financial Institution 101 $9,315,000 $92,000 $405,000 $91,000 $1,608,000
File Closed For Incompleteness 43 $5,655,000 $131,000 $735,000 $88,000 $249,000
Application Approved But Not Accepted 32 $4,220,000 $131,000 $445,000 $123,000 $842,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

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 829 $127,245,000 $153,000 $735,000 $109,000 $5,702,000
Debt-To-Income Ratio 215 $29,385,000 $136,000 $655,000 $95,000 $761,000
Credit History 31 $2,075,000 $66,000 $365,000 $141,000 $1,608,000
Collateral 21 $1,695,000 $80,000 $195,000 $81,000 $212,000
Credit Application Incomplete 8 $940,000 $117,000 $325,000 $52,000 $155,000
Other 7 $555,000 $79,000 $175,000 $101,000 $147,000
Unverifiable Information 3 $475,000 $158,000 $265,000 $34,000 $51,000
Insufficient Cash (Downpayment, Closing Cost) 3 $315,000 $105,000 $145,000 $42,000 $66,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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