Cedar County, IA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 938 mortgage applications in Cedar County, IA totaling $103.3 million, down 15% from 2010. The average application was for $110,000, and applicants reported an average income of $70,000. 57% of applications resulted in an originated loan and 14% were denied. The most active lender was Hills Bank and Trust Company, with 96 applications, followed by Wells Fargo Bank NA and US Bank, N.A..

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Total Number of Mortgage Applications 938
Total Mortgage Loan Application Amount $103,285,000
Average Mortgage Loan Application Amount $110,000
Highest Mortgage Loan Application Amount $430,000
Average Applicant Income $70,000
Highest Applicant Income $1,627,000

Mortgage Company List for Lending in Cedar County, IA for 2011

* 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
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ 1,929,671,000 96 $ 9,747,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 86 $ 10,523,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 84 $ 9,939,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 59 $ 3,846,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 50 $ 5,960,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 44 $ 5,535,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 1,116,851,000 37 $ 3,888,000
Bridge Community Bank
405 E 5TH STREET PO BOX 580
SOLON, IA 52333
* $ 60,993,000 27 $ 1,745,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 22 $ 1,857,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 22 $ 2,033,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 19 $ 2,838,000
Triumph Community Bank NA
2040 1ST STREET A
MOLINE, IL 61265
* $ 1,176,407,000 18 $ 2,087,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 494,772,000 18 $ 2,650,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 16 $ 2,201,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ 10,000,000 15 $ 1,419,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ 10,000,000 14 $ 1,800,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 13 $ 1,493,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 1,561,942,000 13 $ 1,363,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 618,800,000 13 $ 1,760,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 12 $ 1,725,000
Citizens Savings Bank
215 EAST MAIN STREET
ANAMOSA, IA 52205
* $ 109,748,000 11 $ 1,065,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 10 $ 1,156,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 10 $ 1,483,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 9 $ 916,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 9 $ 1,171,000
Mount Vernon Bank and Trust Company
206 FIRST ST SW
MOUNT VERNON, IA 52314
* $ 90,950,000 9 $ 815,000
Valley Bank
3455 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 634,034,000 8 $ 853,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ 329,986,000 8 $ 395,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,270,503,000 8 $ 1,019,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 1,193,000
First Trust and Savings Bank
123 S. MAIN STREET
WHEATLAND, IA 52777
* $ 116,995,000 6 $ 333,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 1,783,385,000 6 $ 507,000
Corda Credit Union
3015 BLAIRS FERRY RD NE
CEDAR RAPIDS, IA 52402
* $ 244,187,000 5 $ 705,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 5 $ 555,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 4 $ 606,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 100,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 4 $ 465,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 4 $ 341,000
Ascentra Credit Union
PO BOX 1107
BETTENDORF, IA 52722
* $ 236,170,000 4 $ 528,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 4 $ 449,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 436,303,000 3 $ 248,000
Farmers State Bank
1240 8TH AVE
MARION, IA 52302
* $ 591,996,000 3 $ 366,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 3 $ 109,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 3 $ 584,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 21,813,152,000 3 $ 405,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 3 $ 386,000
Quad City Bank and Trust
4500 NORTH BRADY STREET
DAVENPORT, IA 52806
* $ 1,026,083,000 3 $ 561,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 3 $ 242,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 555,019,000 3 $ 471,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 3 $ 284,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 310,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 390,000
Main Street Financial
9953 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 8,801,000 2 $ 161,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 2 $ 311,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 2 $ 256,000
First National Bank
3717 N BRADY STREET
DAVENPORT, IA 52806
* $ 69,655,000 2 $ 156,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 296,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 222,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 2 $ 377,000
Liberty Bank F.S.B.
3800 100TH ST
URBANDALE, IA 50322
* $ 1,076,011,000 2 $ 192,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 235,000
Fidelity Bank & Trust
4250 ASBURY ROAD
DUBUQUE, IA 52002
* $ 453,232,000 2 $ 464,000
Citizens State Bank
114 W MAIN ST, PO BOX 198
WYOMING, IA 52362
* $ 85,339,000 2 $ 44,000
Two Rivers Bank & Trust
222 N. MAIN ST
BURLINGTON, IA 52601
* $ 683,809,000 2 $ 43,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 269,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 250,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 905,293,000 2 $ 291,000
Aim Credit Union
1200 ASSOCIATES DR STE 102
DUBUQUE, IA 52002
* $ 85,077,000 2 $ 49,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 471,002,000 2 $ 112,000
Universal Lending Corporation
6775 EAST EVANS AVE.
DENVER, CO 80224
* $ 10,000,000 1 $ 114,000
Community 1st Credit Union
1030 SIERRA DR NE
OTTUMWA, IA 52501
* $ 326,133,000 1 $ 108,000
Dutrac Community Credit Union
P O BOX 3250
DUBUQUE, IA 52004
* $ 483,292,000 1 $ 67,000
Mill City Credit Union
9999 WAYZATA BOULEVARD
MINNETONKA, MN 55305
* $ 273,029,000 1 $ 72,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 823,549,000 1 $ 115,000
The Family Credit Union
1530 W 53RD STREET
DAVENPORT, IA 52806
* $ 104,759,000 1 $ 30,000
Town Center Bank
1938 E. LINCOLN HIGHWAY #101
NEW LENOX, IL 60451
* $ 141,350,000 1 $ 26,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 207,000
Guaranty Bank and Trust Company
500 1ST AVENUE NE
CEDAR RAPIDS, IA 52401
* $ 241,142,000 1 $ 38,000
Ackley State Bank
650 MAIN ST BOX 149
ACKLEY, IA 50601
* $ 128,319,000 1 $ 104,000
West Bank
1601 22ND STREET
WEST DES MOINES, IA 50266
* $ 1,290,140,000 1 $ 45,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 843,305,000 1 $ 252,000
First Central State Bank
914 6TH AVE
DE WITT, IA 52742
* $ 257,730,000 1 $ 189,000
Andalusia Community Bank
601 8TH ST EAST/PO BOX 769
ANDALUSIA, IL 61232
* $ 50,113,000 1 $ 83,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 950,213,000 1 $ 53,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 1 $ 46,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 185,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 123,000
Eagle National Bank
8045 WEST CHESTER PIKE
UPPER DARBY, PA 19082
* $ 234,030,000 1 $ 112,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 1 $ 157,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 1 $ 105,000
Boulevard Bank
111 E.MAIN STREET
NEOSHO, MO 64850
* $ 146,162,000 1 $ 13,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 180,751,000 1 $ 150,000
First Trust & Savings Bank of Albany, Illinois
209 SOUTH MAIN STREET
ALBANY, IL 61230
* $ 125,999,000 1 $ 40,000
East Dubuque Savings Bank
475 CEDAR CROSS ROAD
DUBUQUE, IA 52003
* $ 181,138,000 1 $ 200,000
Kerndt Brothers Savings Bank
370 MAIN ST PO BOX 370
LANSING, IA 52151
* $ 220,221,000 1 $ 153,000
Citizens State Bank
117 W 1ST ST (PO BOX 517)
MONTICELLO, IA 52310
* $ 301,607,000 1 $ 114,000
Liberty Trust & Savings Bank
502 8TH AVENUE
DURANT, IA 52747
* $ 121,232,000 1 $ 7,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 1 $ 58,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 65,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 85,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 40,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 110,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 188,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 66,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 76,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 177,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 81,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 124,000
Qr Lending Inc
555 ZOR SHRINE PLACE
MADISON, WI 53719
* $ 1,093,327,000 1 $ 96,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 1 $ 117,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 245,000

The tables below break down 2011 mortgage applications in Cedar 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 Cedar County, IA in 2011

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 596 $68,734,000 $115,000 $430,000 $74,000 $1,074,000
Home Purchase 286 $30,710,000 $107,000 $337,000 $58,000 $1,627,000
Home Improvement 56 $3,841,000 $68,000 $300,000 $96,000 $1,203,000

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 803 $89,362,000 $111,000 $430,000 $75,000 $1,627,000
Not applicable 68 $7,774,000 $114,000 $271,000 $9,000 $151,000
Not Provided 60 $5,510,000 $91,000 $284,000 $75,000 $230,000
Hispanic 3 $229,000 $76,000 $86,000 $58,000 $69,000
Black or African American 2 $144,000 $72,000 $129,000 $56,000 $94,000
American Indian or Alaskan Native 1 $9,000 $9,000 $9,000 $21,000 $21,000
Asian 1 $257,000 $257,000 $257,000 $118,000 $118,000
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) 748 $80,466,000 $107,000 $430,000 $77,000 $1,627,000
FHA-insured (Federal Housing Administration) 117 $14,763,000 $126,000 $271,000 $50,000 $147,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $5,533,000 $106,000 $337,000 $36,000 $83,000
VA-guaranteed (Veterans Administration) 21 $2,523,000 $120,000 $214,000 $41,000 $128,000

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 531 $56,898,000 $107,000 $401,000 $77,000 $1,627,000
Loan Purchased By The Institution 150 $18,687,000 $124,000 $287,000 $46,000 $222,000
Application Denied By Financial Institution 130 $13,057,000 $100,000 $430,000 $66,000 $1,074,000
Application Withdrawn By Applicant 69 $8,040,000 $116,000 $417,000 $84,000 $1,074,000
Application Approved But Not Accepted 40 $4,265,000 $106,000 $272,000 $75,000 $190,000
File Closed For Incompleteness 18 $2,338,000 $129,000 $228,000 $55,000 $106,000
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 30 $2,327,000 $77,000 $222,000 $59,000 $126,000
Collateral 19 $2,835,000 $149,000 $400,000 $78,000 $149,000
Debt-To-Income Ratio 16 $1,589,000 $99,000 $340,000 $46,000 $116,000
Other 9 $708,000 $78,000 $228,000 $171,000 $1,074,000
Credit Application Incomplete 4 $613,000 $153,000 $206,000 $67,000 $95,000
Unverifiable Information 2 $172,000 $86,000 $90,000 $72,000 $101,000
Insufficient Cash (Downpayment, Closing Cost) 2 $223,000 $111,000 $126,000 $56,000 $74,000
Mortgage Insurance Denied 1 $28,000 $28,000 $28,000 $98,000 $98,000
Employment History 1 $44,000 $44,000 $44,000 $25,000 $25,000

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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