Butler County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 492 mortgage applications in Butler County, IA totaling $61.6 million, up 8% from 2023. The average application was for $125,000, and applicants reported an average income of $101,000. 67% of applications resulted in an originated loan and 8% were denied. The most active lender was Veridian Credit Union, with 177 applications, followed by Greenstate Credit Union and Iowa Bankers Mortgage Corporation.
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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 | 492 |
| Total Mortgage Loan Application Amount | $61,640,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $3,062,000 |
* 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 |
* | $ n/a | 177 | $ 14,945,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 57 | $ 7,285,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 22 | $ 4,150,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 16 | $ 2,960,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 15 | $ 2,205,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ n/a | 14 | $ 760,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ n/a | 14 | $ 1,700,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ n/a | 13 | $ 2,155,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ n/a | 13 | $ 2,415,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 11 | $ 1,315,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 1,575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,545,000 |
| Peoples Savings Bank 414 N ADAMS ST WELLSBURG, IA 50680 |
* | $ n/a | 8 | $ 1,360,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ n/a | 8 | $ 1,480,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 7 | $ 665,000 |
| Cusb Bank 111 N ELM ST CRESCO, IA 52136 |
* | $ n/a | 7 | $ 615,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,465,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ n/a | 7 | $ 705,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 610,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 5 | $ 915,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 795,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 450,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 490,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 140,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 4 | $ 1,030,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 270,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 410,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 350,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 510,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 2 | $ 380,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 280,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ n/a | 2 | $ 20,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 220,000 |
| Denver Savings Bank 121 S. STATE STREET DENVER, IA 50622 |
* | $ n/a | 2 | $ 330,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 540,000 |
| Fairfax State Savings Bank PO BOX 277 FAIRFAX, IA 52228 |
* | $ n/a | 1 | $ 925,000 |
| Union State Bank 611 W HWY 92 WINTERSET, IA 50273 |
* | $ n/a | 1 | $ 275,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 125,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 195,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ n/a | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 215,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 35,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 35,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ n/a | 1 | $ 265,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 135,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 285,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 1 | $ 245,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 65,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 215,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 95,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 335,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ n/a | 1 | $ 165,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 135,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 135,000 |
The tables below break down 2024 mortgage applications in Butler 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 Butler 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 | 232 | $36,640,000 | $157,000 | $685,000 | $94,000 | $584,000 |
| Other Purpose | 86 | $6,220,000 | $72,000 | $525,000 | $96,000 | $329,000 |
| Home Improvement | 70 | $3,120,000 | $44,000 | $205,000 | $92,000 | $265,000 |
| Refinancing | 53 | $9,625,000 | $181,000 | $925,000 | $99,000 | $562,000 |
| Cash-out Refinancing | 50 | $5,990,000 | $119,000 | $425,000 | $154,000 | $3,062,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $42,000 | $42,000 |
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 | 409 | $48,245,000 | $117,000 | $925,000 | $100,000 | $3,062,000 |
| Not applicable | 38 | $7,620,000 | $200,000 | $595,000 | $0 | $0 |
| Not Provided | 27 | $3,675,000 | $136,000 | $425,000 | $105,000 | $333,000 |
| Hispanic | 11 | $1,435,000 | $130,000 | $595,000 | $174,000 | $584,000 |
| Black or African American | 3 | $145,000 | $48,000 | $95,000 | $69,000 | $99,000 |
| American Indian or Alaskan Native | 2 | $350,000 | $175,000 | $215,000 | $48,000 | $48,000 |
| Asian | 2 | $170,000 | $85,000 | $115,000 | $42,000 | $48,000 |
| 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) | 437 | $51,755,000 | $118,000 | $925,000 | $104,000 | $3,062,000 |
| FHA-insured (Federal Housing Administration) | 29 | $4,955,000 | $170,000 | $365,000 | $70,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,540,000 | $206,000 | $345,000 | $80,000 | $199,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $390,000 | $97,000 | $135,000 | $60,000 | $87,000 |
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 | 328 | $40,140,000 | $122,000 | $685,000 | $98,000 | $584,000 |
| Application Withdrawn By Applicant | 54 | $6,210,000 | $115,000 | $375,000 | $149,000 | $3,062,000 |
| Application Denied By Financial Institution | 37 | $4,615,000 | $124,000 | $525,000 | $71,000 | $177,000 |
| Loan Purchased By The Institution | 33 | $6,165,000 | $186,000 | $595,000 | $108,000 | $132,000 |
| File Closed For Incompleteness | 21 | $2,105,000 | $100,000 | $445,000 | $80,000 | $199,000 |
| Application Approved But Not Accepted | 19 | $2,405,000 | $126,000 | $925,000 | $94,000 | $245,000 |
| 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 | 438 | $54,590,000 | $124,000 | $925,000 | $104,000 | $3,062,000 |
| Debt-To-Income Ratio | 30 | $3,990,000 | $133,000 | $585,000 | $66,000 | $138,000 |
| Credit History | 12 | $1,170,000 | $97,000 | $265,000 | $65,000 | $120,000 |
| Collateral | 6 | $430,000 | $71,000 | $195,000 | $96,000 | $141,000 |
| Credit Application Incomplete | 3 | $735,000 | $245,000 | $265,000 | $84,000 | $97,000 |
| Other | 2 | $540,000 | $270,000 | $275,000 | $124,000 | $177,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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