Cherokee County, IA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 272 mortgage applications in Cherokee County, IA totaling $24.0 million, up 2% from 2010. The average application was for $88,000, and applicants reported an average income of $66,000. 59% of applications resulted in an originated loan and 20% were denied. The most active lender was Central Bank, with 85 applications, followed by Iowa Bankers Mortgage Corporation and Wells Fargo Bank NA.
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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 | 272 |
| Total Mortgage Loan Application Amount | $24,041,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,431,000 |
| 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 |
* | $ 432,050,000 | 85 | $ 7,812,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 28 | $ 2,234,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 26 | $ 1,591,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,111,772,000 | 19 | $ 1,613,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 905,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 812,864,000 | 11 | $ 1,028,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 508,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 6 | $ 472,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,128,907,000 | 5 | $ 393,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 143,880,000 | 5 | $ 349,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 752,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 4 | $ 439,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 219,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 179,117,000 | 4 | $ 218,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 779,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 3 | $ 271,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 237,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 494,772,000 | 3 | $ 235,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 118,591,000 | 3 | $ 872,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 106,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 124,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 180,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 319,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 184,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 5,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 1 | $ 60,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 69,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 48,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 113,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 141,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 163,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 163,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 139,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 243,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 68,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 539,317,000 | 1 | $ 68,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 160,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 321,210,000 | 1 | $ 161,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 547,866,000 | 1 | $ 35,000 |
The tables below break down 2011 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 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 | 166 | $15,717,000 | $94,000 | $450,000 | $78,000 | $1,431,000 |
| Home Purchase | 88 | $7,602,000 | $86,000 | $475,000 | $45,000 | $156,000 |
| Home Improvement | 18 | $722,000 | $40,000 | $115,000 | $61,000 | $121,000 |
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 | 237 | $22,047,000 | $93,000 | $475,000 | $69,000 | $1,431,000 |
| Not Provided | 19 | $1,191,000 | $62,000 | $175,000 | $74,000 | $292,000 |
| Not applicable | 9 | $568,000 | $63,000 | $140,000 | $3,000 | $32,000 |
| Hispanic | 6 | $230,000 | $38,000 | $58,000 | $42,000 | $67,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $25,000 | $25,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 204 | $18,595,000 | $91,000 | $475,000 | $75,000 | $1,431,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $2,333,000 | $68,000 | $130,000 | $34,000 | $65,000 |
| FHA-insured (Federal Housing Administration) | 29 | $2,468,000 | $85,000 | $250,000 | $50,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 5 | $645,000 | $129,000 | $243,000 | $43,000 | $70,000 |
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 | 160 | $14,511,000 | $90,000 | $475,000 | $72,000 | $1,431,000 |
| Application Denied By Financial Institution | 55 | $4,768,000 | $86,000 | $254,000 | $61,000 | $258,000 |
| Application Withdrawn By Applicant | 27 | $2,337,000 | $86,000 | $415,000 | $65,000 | $182,000 |
| Loan Purchased By The Institution | 12 | $759,000 | $63,000 | $140,000 | $26,000 | $89,000 |
| Application Approved But Not Accepted | 11 | $1,087,000 | $98,000 | $250,000 | $54,000 | $116,000 |
| File Closed For Incompleteness | 7 | $579,000 | $82,000 | $163,000 | $69,000 | $113,000 |
| 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 | 13 | $875,000 | $67,000 | $163,000 | $55,000 | $130,000 |
| Collateral | 11 | $1,135,000 | $103,000 | $183,000 | $79,000 | $158,000 |
| Credit Application Incomplete | 5 | $595,000 | $119,000 | $248,000 | $90,000 | $258,000 |
| Debt-To-Income Ratio | 4 | $395,000 | $98,000 | $170,000 | $31,000 | $48,000 |
| Unverifiable Information | 2 | $122,000 | $61,000 | $62,000 | $79,000 | $110,000 |
| Other | 1 | $243,000 | $243,000 | $243,000 | $63,000 | $63,000 |
| Employment History | 1 | $140,000 | $140,000 | $140,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $41,000 | $41,000 | $41,000 | $33,000 | $33,000 |
| 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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