Calhoun County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 207 mortgage applications in Calhoun County, IA totaling $27.7 million, down 9% from 2023. The average application was for $133,000, and applicants reported an average income of $89,000. 63% of applications resulted in an originated loan and 16% were denied. The most active lender was United Bank of Iowa, with 32 applications, followed by Iowa Bankers Mortgage Corporation and Dupaco Community Credit Union.
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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 | 207 |
| Total Mortgage Loan Application Amount | $27,695,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $716,000 |
* 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 |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ n/a | 32 | $ 2,730,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 16 | $ 2,270,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 13 | $ 1,095,000 |
| Security Savings Bank 1015 MARKET ST #7597 GOWRIE, IA 50543 |
* | $ n/a | 11 | $ 1,455,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 10 | $ 810,000 |
| Westside State Bank 401 1ST STREET WESTSIDE, IA 51467 |
* | $ n/a | 9 | $ 955,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ n/a | 8 | $ 1,280,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 5 | $ 1,275,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 520,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 4 | $ 1,240,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 4 | $ 440,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 4 | $ 610,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 730,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 600,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 235,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 3 | $ 575,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 255,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 375,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 3 | $ 495,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 675,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 320,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 390,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 2 | $ 180,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 310,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ n/a | 2 | $ 60,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 250,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 390,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 2 | $ 240,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 300,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 130,000 |
| Central State Bank 109 W MAIN ST STATE CENTER, IA 50247 |
* | $ n/a | 1 | $ 45,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ n/a | 1 | $ 35,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 35,000 |
| Home State Bank 115 W STATE ST JEFFERSON, IA 50129 |
* | $ n/a | 1 | $ 295,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 75,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 265,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 125,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 1 | $ 95,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 115,000 |
| Peoples Bank 12701 UNIVERSITY AVE CLIVE, IA 50325 |
* | $ n/a | 1 | $ 75,000 |
| Fidelity Bank 302 MAIN ST SAVANNA, IL 61074 |
* | $ n/a | 1 | $ 455,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 235,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 75,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 1 | $ 355,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ n/a | 1 | $ 115,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ n/a | 1 | $ 35,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 1 | $ 175,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 35,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 185,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 285,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 275,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 315,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 425,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 125,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 225,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 555,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 25,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 235,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 125,000 |
The tables below break down 2024 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 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 | 116 | $18,080,000 | $155,000 | $725,000 | $96,000 | $716,000 |
| Cash-out Refinancing | 29 | $4,145,000 | $142,000 | $295,000 | $72,000 | $163,000 |
| Other Purpose | 26 | $1,340,000 | $51,000 | $125,000 | $85,000 | $221,000 |
| Refinancing | 26 | $3,680,000 | $141,000 | $455,000 | $93,000 | $291,000 |
| Home Improvement | 10 | $450,000 | $45,000 | $105,000 | $68,000 | $140,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 168 | $21,590,000 | $128,000 | $725,000 | $89,000 | $716,000 |
| Not applicable | 19 | $2,385,000 | $125,000 | $295,000 | $56,000 | $56,000 |
| Not Provided | 17 | $3,285,000 | $193,000 | $425,000 | $89,000 | $263,000 |
| Black or African American | 2 | $310,000 | $155,000 | $235,000 | $113,000 | $151,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $62,000 | $62,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 149 | $17,715,000 | $118,000 | $725,000 | $93,000 | $716,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,630,000 | $165,000 | $355,000 | $74,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,470,000 | $203,000 | $555,000 | $85,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,880,000 | $134,000 | $325,000 | $67,000 | $118,000 |
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 | 131 | $17,215,000 | $131,000 | $725,000 | $97,000 | $716,000 |
| Application Denied By Financial Institution | 34 | $3,970,000 | $116,000 | $555,000 | $62,000 | $151,000 |
| Application Withdrawn By Applicant | 17 | $2,595,000 | $152,000 | $455,000 | $88,000 | $168,000 |
| Loan Purchased By The Institution | 15 | $2,255,000 | $150,000 | $295,000 | $68,000 | $80,000 |
| File Closed For Incompleteness | 7 | $1,275,000 | $182,000 | $295,000 | $75,000 | $88,000 |
| Application Approved But Not Accepted | 2 | $350,000 | $175,000 | $275,000 | $74,000 | $116,000 |
| Preapproval Denied by Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $73,000 | $73,000 |
| Preapproval Approved but not Accepted | 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 | 146 | $20,270,000 | $138,000 | $725,000 | $94,000 | $716,000 |
| Debt-To-Income Ratio | 37 | $5,205,000 | $140,000 | $645,000 | $88,000 | $296,000 |
| Credit History | 12 | $1,090,000 | $90,000 | $385,000 | $70,000 | $151,000 |
| Other | 5 | $585,000 | $117,000 | $225,000 | $57,000 | $69,000 |
| Collateral | 3 | $385,000 | $128,000 | $185,000 | $57,000 | $67,000 |
| Credit Application Incomplete | 3 | $95,000 | $31,000 | $55,000 | $53,000 | $84,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
| 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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