Buchanan County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,155 mortgage applications in Buchanan County, IA totaling $119.7 million, down 2% from 2012. The average application was for $103,000, and applicants reported an average income of $68,000. 60% of applications resulted in an originated loan and 11% were denied. The most active lender was Bankiowa, with 237 applications, followed by Veridian 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 | 1,155 |
| Total Mortgage Loan Application Amount | $119,650,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $2,044,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,982,000 |
Top Mortgage Lenders in Buchanan County, IA (2013)
Ranked by the number of mortgage applications each lender reported in Buchanan County, IA in 2013.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bankiowa Cedar Rapids, IA |
237 | $24,927,000 | $105,000 | $69,000 |
| 2 | Veridian Credit Union Waterloo, IA |
196 | $13,578,000 | $69,000 | $64,000 |
| 3 | Farmers State Bank Waterloo, IA |
101 | $10,861,000 | $107,000 | $132,000 |
| 4 | Iowa Bankers Mortgage Corporation Johnston, IA |
68 | $9,912,000 | $145,000 | $81,000 |
| 5 | Wells Fargo Bank NA Minneapolis, MN |
45 | $4,626,000 | $102,000 | $53,000 |
| 6 | US Bank, N.A. Cincinnati, OH |
40 | $4,665,000 | $116,000 | $17,000 |
| 7 | Empeople Credit Union Moline, IL |
37 | $2,717,000 | $73,000 | $67,000 |
| 8 | Guild Mortgage Company San Diego, CA |
34 | $3,923,000 | $115,000 | $66,000 |
| 9 | Citizens State Bank Monticello, IA |
34 | $2,876,000 | $84,000 | $46,000 |
| 10 | Regions Bank Birmingham, AL |
20 | $1,488,000 | $74,000 | $54,000 |
The tables below break down 2013 mortgage applications in Buchanan 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 Buchanan County, IA in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 587 | $69,574,000 | $118,000 | $2,044,000 | $76,000 | $1,690,000 |
| Home Purchase | 397 | $42,246,000 | $106,000 | $466,000 | $57,000 | $1,982,000 |
| Home Improvement | 171 | $7,830,000 | $45,000 | $300,000 | $66,000 | $452,000 |
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 | 987 | $96,107,000 | $97,000 | $487,000 | $74,000 | $1,982,000 |
| Not applicable | 100 | $18,332,000 | $183,000 | $2,044,000 | $12,000 | $346,000 |
| Not Provided | 57 | $4,069,000 | $71,000 | $286,000 | $54,000 | $118,000 |
| Hispanic | 10 | $1,019,000 | $101,000 | $183,000 | $104,000 | $322,000 |
| Black or African American | 1 | $123,000 | $123,000 | $123,000 | $78,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 969 | $100,113,000 | $103,000 | $2,044,000 | $73,000 | $1,982,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 91 | $8,630,000 | $94,000 | $356,000 | $30,000 | $255,000 |
| FHA-insured (Federal Housing Administration) | 71 | $7,367,000 | $103,000 | $226,000 | $38,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 24 | $3,540,000 | $147,000 | $398,000 | $68,000 | $525,000 |
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 | 691 | $77,177,000 | $111,000 | $2,044,000 | $78,000 | $1,982,000 |
| Loan Purchased By The Institution | 138 | $15,181,000 | $110,000 | $322,000 | $36,000 | $346,000 |
| Application Denied By Financial Institution | 130 | $11,587,000 | $89,000 | $398,000 | $53,000 | $525,000 |
| Application Approved But Not Accepted | 111 | $6,826,000 | $61,000 | $257,000 | $66,000 | $156,000 |
| Application Withdrawn By Applicant | 70 | $7,311,000 | $104,000 | $460,000 | $64,000 | $270,000 |
| File Closed For Incompleteness | 15 | $1,568,000 | $104,000 | $277,000 | $55,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 19 | $1,860,000 | $97,000 | $293,000 | $43,000 | $88,000 |
| Credit History | 15 | $1,145,000 | $76,000 | $162,000 | $58,000 | $109,000 |
| Credit Application Incomplete | 7 | $957,000 | $136,000 | $205,000 | $74,000 | $100,000 |
| Collateral | 4 | $382,000 | $95,000 | $126,000 | $61,000 | $83,000 |
| Employment History | 3 | $174,000 | $58,000 | $70,000 | $33,000 | $59,000 |
| Other | 2 | $470,000 | $235,000 | $398,000 | $300,000 | $525,000 |
| Unverifiable Information | 2 | $410,000 | $205,000 | $330,000 | $22,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $22,000 | $22,000 |
| 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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