Buena Vista County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 621 mortgage applications in Buena Vista County, IA totaling $60.2 million, up 17% from 2011. The average application was for $97,000, and applicants reported an average income of $66,000. 68% of applications resulted in an originated loan and 15% were denied. The most active lender was Central Bank, with 202 applications, followed by Northwest Bank and Meta Financial Group, Inc..
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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 | 621 |
| Total Mortgage Loan Application Amount | $60,243,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $745,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 459,848,000 | 202 | $ 22,789,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 119 | $ 10,774,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,358,284,000 | 54 | $ 4,552,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,153,520,000 | 47 | $ 3,683,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 32 | $ 2,765,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 28 | $ 2,612,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 24 | $ 2,146,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 463,178,000 | 21 | $ 1,615,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 1,532,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 10 | $ 1,134,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 699,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 5 | $ 571,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 245,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 344,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 2 | $ 194,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 181,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 250,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 146,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 179,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,481,611,000 | 2 | $ 25,000 |
| Union State Bank 611 W HWY 92 WINTERSET, IA 50273 |
* | $ 72,381,000 | 1 | $ 40,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 1 | $ 97,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 87,036,000 | 1 | $ 104,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 55,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 71,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 13,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 71,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 374,787,000 | 1 | $ 120,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,553,220,000 | 1 | $ 259,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 283,840,000 | 1 | $ 36,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 1 | $ 39,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 149,138,000 | 1 | $ 51,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 1 | $ 97,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 52,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 139,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 66,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 96,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 116,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 139,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 1 | $ 97,000 |
The tables below break down 2012 mortgage applications in Buena Vista 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 Buena Vista County, IA in 2012
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 | 362 | $36,890,000 | $101,000 | $400,000 | $70,000 | $745,000 |
| Home Purchase | 216 | $21,278,000 | $98,000 | $660,000 | $59,000 | $722,000 |
| Home Improvement | 43 | $2,075,000 | $48,000 | $156,000 | $64,000 | $255,000 |
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 | 413 | $43,316,000 | $104,000 | $660,000 | $80,000 | $745,000 |
| Hispanic | 104 | $7,640,000 | $73,000 | $191,000 | $40,000 | $150,000 |
| Asian | 43 | $3,376,000 | $78,000 | $163,000 | $40,000 | $91,000 |
| Not Provided | 34 | $2,876,000 | $84,000 | $207,000 | $51,000 | $155,000 |
| Not applicable | 21 | $2,405,000 | $114,000 | $383,000 | $2,000 | $49,000 |
| Black or African American | 3 | $417,000 | $139,000 | $189,000 | $86,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $168,000 | $84,000 | $85,000 | $32,000 | $38,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $70,000 | $70,000 |
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) | 470 | $46,049,000 | $97,000 | $660,000 | $74,000 | $745,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $7,632,000 | $95,000 | $202,000 | $36,000 | $91,000 |
| FHA-insured (Federal Housing Administration) | 63 | $5,698,000 | $90,000 | $207,000 | $41,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 8 | $864,000 | $108,000 | $202,000 | $64,000 | $177,000 |
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 | 422 | $41,954,000 | $99,000 | $660,000 | $72,000 | $745,000 |
| Application Denied By Financial Institution | 92 | $7,662,000 | $83,000 | $228,000 | $52,000 | $235,000 |
| Application Withdrawn By Applicant | 59 | $5,835,000 | $98,000 | $360,000 | $61,000 | $300,000 |
| Loan Purchased By The Institution | 30 | $2,924,000 | $97,000 | $202,000 | $29,000 | $88,000 |
| Application Approved But Not Accepted | 13 | $1,202,000 | $92,000 | $172,000 | $69,000 | $153,000 |
| File Closed For Incompleteness | 5 | $666,000 | $133,000 | $192,000 | $90,000 | $155,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 31 | $2,214,000 | $71,000 | $197,000 | $54,000 | $182,000 |
| Debt-To-Income Ratio | 12 | $785,000 | $65,000 | $128,000 | $61,000 | $235,000 |
| Collateral | 9 | $1,112,000 | $123,000 | $220,000 | $61,000 | $96,000 |
| Other | 7 | $563,000 | $80,000 | $192,000 | $35,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $142,000 | $71,000 | $110,000 | $46,000 | $60,000 |
| Credit Application Incomplete | 1 | $128,000 | $128,000 | $128,000 | $48,000 | $48,000 |
| Employment History | 1 | $79,000 | $79,000 | $79,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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