Cherokee County, IA Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 401 mortgage applications in Cherokee County, IA totaling $29.0 million, down 14% from 2006. The average application was for $72,000, and applicants reported an average income of $55,000. 39% of applications resulted in an originated loan and 22% were denied. The most active lender was Central Bank, with 47 applications, followed by Countrywide Home Loans and Hfc Company LLC.
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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 | 401 |
| Total Mortgage Loan Application Amount | $29,017,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $570,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $1,060,000 |
* 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 |
* | $ 358,752,000 | 47 | $ 3,226,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 39 | $ 3,443,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 37 | $ 2,040,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 25 | $ 1,833,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 24 | $ 1,843,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 195,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 714,244,000 | 11 | $ 814,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 11 | $ 826,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 9 | $ 809,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 9 | $ 541,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 628,000 |
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 233,039,000 | 8 | $ 1,307,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 569,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 419,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 8 | $ 677,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 7 | $ 655,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 231,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 7 | $ 777,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 6 | $ 336,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 6 | $ 548,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 6 | $ 432,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 6 | $ 246,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 4 | $ 203,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 706,217,000 | 4 | $ 144,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 4 | $ 327,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 4 | $ 230,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 532,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 3 | $ 182,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 3 | $ 315,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 3 | $ 229,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 3 | $ 34,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 3 | $ 162,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 213,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 201,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 134,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 2 | $ 219,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 151,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 7,641,954,000 | 1 | $ 40,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 30,802,955,000 | 1 | $ 18,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 594,410,000 | 1 | $ 26,000 |
| First National Bank 111 CENTRAL AVE NW LE MARS, IA 51031 |
* | $ 103,176,000 | 1 | $ 54,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,676,585,000 | 1 | $ 19,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 149,115,000 | 1 | $ 32,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 93,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 40,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 76,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 427,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 302,300,000 | 1 | $ 106,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 50,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 85,153,000 | 1 | $ 111,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 813,226,000 | 1 | $ 70,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,549,755,000 | 1 | $ 1,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 881,762,000 | 1 | $ 44,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 1 | $ 10,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 1 | $ 47,000 |
| Midwest Heritage Bank, FSB 1025 BRADEN AVENUE, P. O. BOX 331 CHARITON, IA 50049 |
* | $ 124,791,000 | 1 | $ 134,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 1 | $ 38,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 1 | $ 74,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 219,687,000 | 1 | $ 23,000 |
| Kingsley State Bank 705 1ST ST PO BOX 66 SERGEANT BLUFF, IA 51054 |
* | $ 101,401,000 | 1 | $ 38,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 1 | $ 121,000 |
| Vantus Bank PO BOX 897 SIOUX CITY, IA 51102 |
* | $ 599,361,000 | 1 | $ 89,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 1 | $ 88,000 |
| Best of Iowa Community CU 405 S BLAIRSFERRY CROSSING HIAWATHA, IA 52233 |
* | $ 36,542,000 | 1 | $ 34,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Csmc, Inc 10425 W NORTH AVENUE SUITE 100 WAUWATOSA, WI 53226 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Midwest Loan Services, Corp. 2020 SYLVIA AVE NE STE A CEDAR RAPIDS, IA 52402 |
* | $ 125,000 | 1 | $ 77,000 |
| Bear Stearns Residential Mortg 9201 E. MOUNTAIN VIEW RD, STE 210 SCOTTSDALE, AZ 85258 |
* | $ 2,926,352,230,000 | 1 | $ 56,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Western Residential Mortgage 301 W, CLAREDON AVE STE 475 PHOENIX, AZ 85013 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 1 | $ 80,000 |
The tables below break down 2007 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 2007
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 | 196 | $16,427,000 | $83,000 | $570,000 | $61,000 | $829,000 |
| Home Purchase | 157 | $11,170,000 | $71,000 | $383,000 | $48,000 | $1,060,000 |
| Home Improvement | 48 | $1,420,000 | $29,000 | $115,000 | $51,000 | $232,000 |
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 | 342 | $24,715,000 | $72,000 | $570,000 | $56,000 | $1,060,000 |
| Not Provided | 35 | $2,258,000 | $64,000 | $160,000 | $47,000 | $232,000 |
| Not applicable | 17 | $1,235,000 | $72,000 | $134,000 | $37,000 | $192,000 |
| Hispanic | 7 | $809,000 | $115,000 | $427,000 | $59,000 | $201,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 373 | $26,980,000 | $72,000 | $570,000 | $56,000 | $1,060,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,045,000 | $87,000 | $161,000 | $50,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $450,000 | $45,000 | $75,000 | $27,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 6 | $542,000 | $90,000 | $133,000 | $60,000 | $115,000 |
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 | 158 | $11,302,000 | $71,000 | $417,000 | $65,000 | $1,060,000 |
| Application Denied By Financial Institution | 90 | $5,879,000 | $65,000 | $520,000 | $43,000 | $270,000 |
| Loan Purchased By The Institution | 62 | $3,963,000 | $63,000 | $160,000 | $43,000 | $192,000 |
| Application Withdrawn By Applicant | 49 | $3,980,000 | $81,000 | $570,000 | $55,000 | $157,000 |
| Application Approved But Not Accepted | 32 | $3,171,000 | $99,000 | $427,000 | $63,000 | $201,000 |
| File Closed For Incompleteness | 9 | $662,000 | $73,000 | $96,000 | $40,000 | $88,000 |
| Preapproval Denied by Financial Institution | 1 | $60,000 | $60,000 | $60,000 | $24,000 | $24,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,181,000 | $62,000 | $203,000 | $39,000 | $74,000 |
| Collateral | 13 | $1,353,000 | $104,000 | $520,000 | $77,000 | $270,000 |
| Debt-To-Income Ratio | 7 | $373,000 | $53,000 | $80,000 | $17,000 | $31,000 |
| Other | 6 | $423,000 | $70,000 | $120,000 | $38,000 | $54,000 |
| Unverifiable Information | 2 | $211,000 | $105,000 | $151,000 | $55,000 | $87,000 |
| Credit Application Incomplete | 2 | $177,000 | $88,000 | $97,000 | $44,000 | $88,000 |
| Employment History | 2 | $152,000 | $76,000 | $92,000 | $41,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| 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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