Calhoun County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 300 mortgage applications in Calhoun County, IA totaling $24.6 million, down 8% from 2012. The average application was for $82,000, and applicants reported an average income of $85,000. 64% of applications resulted in an originated loan and 20% were denied. The most active lender was United Bank of Iowa, with 139 applications, followed by Wells Fargo Bank NA and Iowa Savings 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 | 300 |
| Total Mortgage Loan Application Amount | $24,614,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $6,666,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,216,747,000 | 139 | $ 10,807,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 35 | $ 2,856,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 180,400,000 | 12 | $ 834,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 526,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 10 | $ 1,106,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 10 | $ 1,274,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 8 | $ 587,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 6 | $ 573,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 5 | $ 324,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 335,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 277,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,176,846,000 | 4 | $ 163,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 4 | $ 367,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 242,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 438,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 2 | $ 192,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 222,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 60,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 146,061,000 | 2 | $ 20,000 |
| Iowa Community Credit Union 3301 CEDAR HEIGHTS DR CEDAR FALLS, IA 50613 |
* | $ 80,851,000 | 2 | $ 45,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 275,893,000 | 2 | $ 289,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 251,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 195,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 221,799,000 | 1 | $ 16,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,482,504,000 | 1 | $ 88,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ 10,000,000 | 1 | $ 224,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 86,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 37,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 5,164,405,000 | 1 | $ 27,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 112,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 92,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 485,714,000 | 1 | $ 41,000 |
| Legacy Bank 502 8TH ST SW - PO BOX 309 ALTOONA, IA 50009 |
* | $ 85,143,000 | 1 | $ 380,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 314,397,000 | 1 | $ 134,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,143,978,000 | 1 | $ 350,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 153,098,000 | 1 | $ 46,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 37,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 53,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 153,979,000 | 1 | $ 69,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 140,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 83,000 |
The tables below break down 2013 mortgage applications in Calhoun 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 Calhoun 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 | 134 | $13,719,000 | $102,000 | $1,800,000 | $127,000 | $6,666,000 |
| Home Purchase | 117 | $8,858,000 | $75,000 | $312,000 | $47,000 | $288,000 |
| Home Improvement | 49 | $2,037,000 | $41,000 | $260,000 | $61,000 | $326,000 |
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 | 264 | $22,191,000 | $84,000 | $1,800,000 | $92,000 | $6,666,000 |
| Not Provided | 19 | $1,420,000 | $74,000 | $263,000 | $49,000 | $141,000 |
| Not applicable | 13 | $850,000 | $65,000 | $120,000 | $13,000 | $48,000 |
| American Indian or Alaskan Native | 1 | $43,000 | $43,000 | $43,000 | $0 | $0 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $16,000 | $16,000 |
| Hispanic | 1 | $42,000 | $42,000 | $42,000 | $17,000 | $17,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $33,000 | $33,000 | $33,000 | $36,000 | $36,000 |
| 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) | 241 | $20,625,000 | $85,000 | $1,800,000 | $71,000 | $1,563,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $1,469,000 | $58,000 | $128,000 | $19,000 | $52,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,490,000 | $70,000 | $122,000 | $357,000 | $6,666,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,030,000 | $79,000 | $184,000 | $37,000 | $141,000 |
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 | 193 | $16,691,000 | $86,000 | $1,800,000 | $78,000 | $1,563,000 |
| Application Denied By Financial Institution | 59 | $4,103,000 | $69,000 | $224,000 | $39,000 | $195,000 |
| Application Withdrawn By Applicant | 26 | $1,895,000 | $72,000 | $260,000 | $37,000 | $132,000 |
| Loan Purchased By The Institution | 18 | $1,433,000 | $79,000 | $191,000 | $29,000 | $205,000 |
| File Closed For Incompleteness | 3 | $404,000 | $134,000 | $263,000 | $2,252,000 | $6,666,000 |
| Application Approved But Not Accepted | 1 | $88,000 | $88,000 | $88,000 | $33,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $710,000 | $142,000 | $224,000 | $101,000 | $157,000 |
| Credit Application Incomplete | 4 | $342,000 | $85,000 | $136,000 | $84,000 | $195,000 |
| Credit History | 2 | $60,000 | $30,000 | $33,000 | $44,000 | $52,000 |
| Employment History | 2 | $28,000 | $14,000 | $20,000 | $82,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $71,000 | $71,000 | $71,000 | $55,000 | $55,000 |
| Debt-To-Income Ratio | 1 | $50,000 | $50,000 | $50,000 | $24,000 | $24,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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