Bremer County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,214 mortgage applications in Bremer County, IA totaling $171.7 million, down 37% from 2021. The average application was for $141,000, and applicants reported an average income of $100,000. 70% of applications resulted in an originated loan and 8% were denied. The most active lender was Veridian Credit Union, with 369 applications, followed by Greenstate Credit Union and Empeople Credit Union.
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| 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 | 1,214 |
| Total Mortgage Loan Application Amount | $171,670,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $3,616,000 |
* 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 |
|---|---|---|---|---|
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 369 | $ 39,215,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 133 | $ 19,665,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 70 | $ 8,460,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,371,634,000 | 68 | $ 12,090,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 656,644,000 | 68 | $ 10,300,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 43 | $ 7,995,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,442,452,000 | 43 | $ 5,545,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 172,020,000 | 42 | $ 4,430,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 31 | $ 3,795,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,658,656,000 | 30 | $ 5,430,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,479,040,000 | 26 | $ 5,230,000 |
| Denver Savings Bank 121 S. STATE STREET DENVER, IA 50622 |
* | $ 221,199,000 | 25 | $ 2,945,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 20 | $ 4,330,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,758,051,000 | 15 | $ 905,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 3,235,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 2,110,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 12 | $ 1,560,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 10 | $ 1,750,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 8 | $ 1,550,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 7 | $ 1,655,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,475,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 140,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,210,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 885,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 5 | $ 795,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 145,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 4 | $ 990,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,046,374,000 | 4 | $ 180,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 4 | $ 260,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 300,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 820,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 4 | $ 1,250,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 400,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 470,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 804,652,000 | 3 | $ 635,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 885,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 555,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 3 | $ 635,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 525,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 650,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 520,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 310,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 540,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 300,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 550,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 2 | $ 930,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 260,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 480,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,023,480,000 | 2 | $ 110,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 370,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 270,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 165,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 589,632,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 105,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 165,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 1,401,610,000 | 1 | $ 155,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,206,869,000 | 1 | $ 125,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 275,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 55,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 365,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 115,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 285,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 593,413,000 | 1 | $ 445,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 215,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,731,908,000 | 1 | $ 345,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 95,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,432,330,000 | 1 | $ 105,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 175,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 155,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 165,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 125,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 3,299,556,000 | 1 | $ 385,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,965,700,000 | 1 | $ 285,000 |
| Fidelity Bank 177 S JORDAN CREEK PKWY WEST DES MOINES, IA 50266 |
* | $ 76,273,000 | 1 | $ 75,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 215,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 1,245,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 165,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 145,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 45,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 115,000 |
| Mount Vernon Bank and Trust Company 206 FIRST ST SW MOUNT VERNON, IA 52314 |
* | $ 174,678,000 | 1 | $ 235,000 |
| Columbia Credit Union PO BOX 324 VANCOUVER, WA 98666 |
* | $ 2,324,856,000 | 1 | $ 85,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 115,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 155,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 590,985,000 | 1 | $ 375,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 145,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 521,133,000 | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 85,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 185,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 55,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 215,000 |
The tables below break down 2022 mortgage applications in Bremer 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 Bremer County, IA in 2022
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 | 589 | $100,095,000 | $169,000 | $1,245,000 | $94,000 | $1,134,000 |
| Refinancing | 185 | $28,405,000 | $153,000 | $705,000 | $98,000 | $737,000 |
| Cash-out Refinancing | 170 | $28,650,000 | $168,000 | $1,505,000 | $117,000 | $3,616,000 |
| Home Improvement | 153 | $7,585,000 | $49,000 | $355,000 | $102,000 | $281,000 |
| Other Purpose | 115 | $6,695,000 | $58,000 | $455,000 | $102,000 | $415,000 |
| Not Applicable | 2 | $240,000 | $120,000 | $185,000 | $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 | 1,039 | $143,665,000 | $138,000 | $1,505,000 | $99,000 | $3,616,000 |
| Not Provided | 81 | $11,925,000 | $147,000 | $645,000 | $85,000 | $241,000 |
| Not applicable | 62 | $11,760,000 | $189,000 | $1,245,000 | $67,000 | $81,000 |
| Hispanic | 20 | $2,310,000 | $115,000 | $305,000 | $188,000 | $680,000 |
| Black or African American | 4 | $650,000 | $162,000 | $265,000 | $101,000 | $166,000 |
| Asian | 3 | $595,000 | $198,000 | $425,000 | $120,000 | $165,000 |
| American Indian or Alaskan Native | 2 | $390,000 | $195,000 | $195,000 | $81,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $135,000 | $80,000 | $95,000 |
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) | 1,099 | $148,745,000 | $135,000 | $1,505,000 | $102,000 | $3,616,000 |
| VA-guaranteed (Veterans Administration) | 63 | $15,175,000 | $240,000 | $475,000 | $79,000 | $187,000 |
| FHA-insured (Federal Housing Administration) | 48 | $7,220,000 | $150,000 | $425,000 | $65,000 | $251,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $530,000 | $132,000 | $175,000 | $65,000 | $79,000 |
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 | 850 | $120,590,000 | $141,000 | $1,505,000 | $98,000 | $1,128,000 |
| Application Withdrawn By Applicant | 124 | $17,790,000 | $143,000 | $645,000 | $133,000 | $3,616,000 |
| Application Denied By Financial Institution | 98 | $10,970,000 | $111,000 | $475,000 | $77,000 | $720,000 |
| File Closed For Incompleteness | 53 | $5,955,000 | $112,000 | $605,000 | $95,000 | $221,000 |
| Application Approved But Not Accepted | 45 | $7,215,000 | $160,000 | $865,000 | $99,000 | $334,000 |
| Loan Purchased By The Institution | 44 | $9,150,000 | $207,000 | $605,000 | $68,000 | $104,000 |
| 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 | 1,073 | $155,785,000 | $145,000 | $1,505,000 | $102,000 | $3,616,000 |
| Debt-To-Income Ratio | 64 | $7,160,000 | $111,000 | $695,000 | $90,000 | $249,000 |
| Credit History | 35 | $3,395,000 | $97,000 | $455,000 | $86,000 | $720,000 |
| Collateral | 12 | $2,130,000 | $177,000 | $425,000 | $91,000 | $251,000 |
| Credit Application Incomplete | 11 | $1,105,000 | $100,000 | $175,000 | $101,000 | $255,000 |
| Other | 8 | $930,000 | $116,000 | $235,000 | $63,000 | $75,000 |
| Employment History | 5 | $485,000 | $97,000 | $295,000 | $58,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $495,000 | $165,000 | $195,000 | $82,000 | $149,000 |
| Unverifiable Information | 3 | $185,000 | $61,000 | $75,000 | $66,000 | $117,000 |
| Mortgage Insurance Denied | 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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