Cherokee County, IA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 284 mortgage applications in Cherokee County, IA totaling $43.1 million, up 14% from 2024. The average application was for $151,000, and applicants reported an average income of $77,000. 62% of applications resulted in an originated loan and 15% were denied. The most active lender was Central Bank, with 82 applications, followed by United Bank of Iowa 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 | 284 |
| Total Mortgage Loan Application Amount | $43,140,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $4,115,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $257,000 |
* 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 |
|---|---|---|---|---|
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 82 | $ 8,270,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ n/a | 20 | $ 2,250,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 18 | $ 2,840,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 2,455,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 7 | $ 815,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 7 | $ 875,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 730,000 |
| Security State Bank 109 W 2ND ST SUTHERLAND, IA 51058 |
* | $ n/a | 6 | $ 840,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 405,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 475,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 5 | $ 485,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ n/a | 5 | $ 4,435,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 580,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 520,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 150,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 595,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 355,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 3 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 785,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 220,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 390,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 2 | $ 250,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 190,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 2 | $ 250,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 380,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 170,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 150,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 240,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ n/a | 2 | $ 80,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 410,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ n/a | 1 | $ 165,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ n/a | 1 | $ 135,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 185,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 1 | $ 275,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 35,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 165,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 85,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 195,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ n/a | 1 | $ 105,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 135,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 105,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 45,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ n/a | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 95,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 1 | $ 75,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 195,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 165,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 285,000 |
| Libertyville Bank & Trust Company, N.A. 507 NORTH MILWAUKEE AVENUE LIBERTYVILLE, IL 60048 |
* | $ n/a | 1 | $ 135,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 145,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 1 | $ 655,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ n/a | 1 | $ 185,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 195,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 245,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 245,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 65,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 165,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 125,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ n/a | 1 | $ 4,115,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 165,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 75,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 165,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 205,000 |
| F&M Bank 204 NORTH MAIN STREET WEST POINT, NE 68788 |
* | $ n/a | 1 | $ 65,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 125,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Cherokee 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 Cherokee County, IA in 2025
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 | 146 | $24,860,000 | $170,000 | $4,115,000 | $76,000 | $257,000 |
| Cash-out Refinancing | 42 | $6,280,000 | $149,000 | $335,000 | $78,000 | $212,000 |
| Home Improvement | 35 | $1,675,000 | $47,000 | $125,000 | $68,000 | $134,000 |
| Refinancing | 34 | $8,530,000 | $250,000 | $2,045,000 | $84,000 | $186,000 |
| Other Purpose | 27 | $1,795,000 | $66,000 | $205,000 | $85,000 | $200,000 |
| 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 | 202 | $25,620,000 | $126,000 | $655,000 | $77,000 | $257,000 |
| Not applicable | 32 | $12,310,000 | $384,000 | $4,115,000 | $0 | $0 |
| Not Provided | 24 | $2,920,000 | $121,000 | $255,000 | $78,000 | $200,000 |
| Hispanic | 22 | $1,860,000 | $84,000 | $165,000 | $70,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $190,000 | $95,000 | $185,000 | $59,000 | $59,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $147,000 | $147,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $72,000 | $72,000 |
| Black or African American | 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) | 187 | $28,875,000 | $154,000 | $4,115,000 | $81,000 | $257,000 |
| FHA-insured (Federal Housing Administration) | 34 | $4,660,000 | $137,000 | $245,000 | $72,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 34 | $6,530,000 | $192,000 | $335,000 | $76,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,075,000 | $106,000 | $235,000 | $55,000 | $94,000 |
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 | 177 | $26,545,000 | $149,000 | $4,115,000 | $78,000 | $257,000 |
| Application Denied By Financial Institution | 43 | $8,085,000 | $188,000 | $2,045,000 | $68,000 | $127,000 |
| Application Withdrawn By Applicant | 31 | $3,345,000 | $107,000 | $285,000 | $70,000 | $130,000 |
| Loan Purchased By The Institution | 17 | $3,285,000 | $193,000 | $655,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 13 | $1,285,000 | $98,000 | $235,000 | $104,000 | $212,000 |
| Application Approved But Not Accepted | 3 | $595,000 | $198,000 | $335,000 | $89,000 | $108,000 |
| 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 | 226 | $29,080,000 | $128,000 | $655,000 | $78,000 | $257,000 |
| Debt-To-Income Ratio | 27 | $10,765,000 | $398,000 | $4,115,000 | $67,000 | $160,000 |
| Credit History | 11 | $975,000 | $88,000 | $235,000 | $70,000 | $120,000 |
| Other | 6 | $630,000 | $105,000 | $145,000 | $77,000 | $127,000 |
| Collateral | 6 | $750,000 | $125,000 | $235,000 | $79,000 | $125,000 |
| Credit Application Incomplete | 5 | $605,000 | $121,000 | $175,000 | $79,000 | $126,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $165,000 | $65,000 | $99,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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