Bremer County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 926 mortgage applications in Bremer County, IA totaling $132.6 million, down 24% from 2022. The average application was for $143,000, and applicants reported an average income of $111,000. 70% of applications resulted in an originated loan and 9% were denied. The most active lender was Veridian Credit Union, with 275 applications, followed by Greenstate Credit Union and Farmers State Bank.
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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 | 926 |
| Total Mortgage Loan Application Amount | $132,580,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $4,415,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $5,337,000 |
* 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 |
* | $ 6,896,511,000 | 275 | $ 26,945,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 91 | $ 13,925,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,542,625,000 | 48 | $ 5,640,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 46 | $ 9,180,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 689,237,000 | 42 | $ 6,290,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 35 | $ 3,845,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,784,652,000 | 35 | $ 4,785,000 |
| Readlyn Savings Bank 141 MAIN STREET PO BOX 40 READLYN, IA 50668 |
* | $ 133,063,000 | 33 | $ 4,735,000 |
| Northeast Security Bank 108 NORTH CARPENTER SUMNER, IA 50674 |
* | $ 442,357,000 | 27 | $ 2,725,000 |
| Denver Savings Bank 121 S. STATE STREET DENVER, IA 50622 |
* | $ 233,722,000 | 22 | $ 3,620,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 3,460,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 180,423,000 | 16 | $ 1,330,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 3,010,410,000 | 14 | $ 1,420,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 470,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 11 | $ 2,595,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 2,105,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 8 | $ 1,730,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 8 | $ 2,330,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 8 | $ 1,680,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 7 | $ 2,035,000 |
| Cusb Bank 111 N ELM ST CRESCO, IA 52136 |
* | $ 688,368,000 | 7 | $ 1,275,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 785,842,000 | 7 | $ 625,000 |
| Security State Bank 109 W 2ND ST SUTHERLAND, IA 51058 |
* | $ 313,938,000 | 6 | $ 1,890,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,918,861,000 | 6 | $ 570,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 5 | $ 395,000 |
| Central State Bank 109 W MAIN ST STATE CENTER, IA 50247 |
* | $ 443,289,000 | 5 | $ 855,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 895,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 835,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 1,010,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 1,110,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 670,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 545,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 355,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 3 | $ 375,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 3 | $ 525,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 535,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 75,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,649,497,000 | 3 | $ 515,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 170,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 6,097,782,000 | 2 | $ 520,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 360,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 630,557,000 | 2 | $ 140,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 220,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 180,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 619,628,000 | 2 | $ 280,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 510,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 2 | $ 120,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 240,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 2 | $ 850,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 656,786,000 | 2 | $ 410,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 130,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 400,000 |
| Peoples Savings Bank 414 N ADAMS ST WELLSBURG, IA 50680 |
* | $ 149,233,000 | 2 | $ 650,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 2,036,937,000 | 2 | $ 330,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 2,331,206,000 | 2 | $ 370,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 250,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 165,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 430,704,000 | 1 | $ 395,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 295,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 105,000 |
| Philadelphia Federal Credit Un 12800 TOWNSEND RD PHILADELPHIA, PA 19154 |
* | $ 1,603,212,000 | 1 | $ 5,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 485,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 255,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 65,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 755,877,000 | 1 | $ 395,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 365,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 2,035,629,000 | 1 | $ 45,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 1 | $ 45,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 375,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,574,512,000 | 1 | $ 55,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 145,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 1 | $ 355,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 175,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 489,452,000 | 1 | $ 355,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 285,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 125,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 205,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 105,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 125,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 185,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 4,415,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 4,415,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 1 | $ 5,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 235,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 2,170,814,000 | 1 | $ 45,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 205,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 55,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 457,589,000 | 1 | $ 485,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 1 | $ 25,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ 1,208,524,000 | 1 | $ 235,000 |
| Ohnward Bank and Trust 332 1ST AVE W CASCADE, IA 52033 |
* | $ 391,537,000 | 1 | $ 325,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 1 | $ 25,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 575,105,000 | 1 | $ 25,000 |
The tables below break down 2023 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 2023
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 | 491 | $86,715,000 | $176,000 | $615,000 | $104,000 | $896,000 |
| Home Improvement | 144 | $7,210,000 | $50,000 | $355,000 | $105,000 | $374,000 |
| Cash-out Refinancing | 102 | $18,690,000 | $183,000 | $4,415,000 | $89,000 | $463,000 |
| Refinancing | 102 | $15,580,000 | $152,000 | $865,000 | $133,000 | $735,000 |
| Other Purpose | 86 | $4,300,000 | $50,000 | $175,000 | $155,000 | $5,337,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $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 | 759 | $102,785,000 | $135,000 | $865,000 | $111,000 | $5,337,000 |
| Not applicable | 86 | $19,820,000 | $230,000 | $4,415,000 | $138,000 | $229,000 |
| Not Provided | 51 | $5,565,000 | $109,000 | $325,000 | $92,000 | $310,000 |
| Hispanic | 21 | $3,315,000 | $157,000 | $395,000 | $146,000 | $349,000 |
| Black or African American | 6 | $890,000 | $148,000 | $275,000 | $110,000 | $276,000 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $65,000 | $54,000 | $54,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $36,000 | $36,000 |
| 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) | 837 | $116,165,000 | $138,000 | $4,415,000 | $113,000 | $5,337,000 |
| FHA-insured (Federal Housing Administration) | 46 | $7,380,000 | $160,000 | $365,000 | $77,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 36 | $7,910,000 | $219,000 | $405,000 | $89,000 | $463,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,125,000 | $160,000 | $185,000 | $84,000 | $99,000 |
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 | 645 | $93,965,000 | $145,000 | $4,415,000 | $116,000 | $5,337,000 |
| Application Withdrawn By Applicant | 83 | $11,585,000 | $139,000 | $605,000 | $101,000 | $300,000 |
| Application Denied By Financial Institution | 81 | $9,065,000 | $111,000 | $565,000 | $73,000 | $349,000 |
| Loan Purchased By The Institution | 58 | $12,910,000 | $222,000 | $725,000 | $212,000 | $735,000 |
| File Closed For Incompleteness | 37 | $2,815,000 | $76,000 | $405,000 | $101,000 | $463,000 |
| Application Approved But Not Accepted | 22 | $2,240,000 | $101,000 | $255,000 | $76,000 | $272,000 |
| 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 | 756 | $110,940,000 | $146,000 | $4,415,000 | $116,000 | $5,337,000 |
| Debt-To-Income Ratio | 110 | $14,920,000 | $135,000 | $865,000 | $93,000 | $315,000 |
| Credit History | 34 | $2,930,000 | $86,000 | $275,000 | $65,000 | $156,000 |
| Collateral | 8 | $920,000 | $115,000 | $155,000 | $122,000 | $349,000 |
| Credit Application Incomplete | 8 | $1,250,000 | $156,000 | $235,000 | $67,000 | $95,000 |
| Employment History | 4 | $880,000 | $220,000 | $565,000 | $77,000 | $235,000 |
| Unverifiable Information | 3 | $365,000 | $121,000 | $225,000 | $45,000 | $56,000 |
| Other | 2 | $150,000 | $75,000 | $105,000 | $86,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $225,000 | $225,000 | $225,000 | $103,000 | $103,000 |
| 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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