Cherokee County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 270 mortgage applications in Cherokee County, IA totaling $32.9 million, down 1% from 2011. The average application was for $121,000, and applicants reported an average income of $67,000. 71% of applications resulted in an originated loan and 14% were denied. The most active lender was Central Bank, with 101 applications, followed by Wells Fargo Bank NA and Northwest Bank.
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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 | 270 |
| Total Mortgage Loan Application Amount | $32,911,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $3,615,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $752,000 |
| 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 |
* | $ 459,848,000 | 101 | $ 9,898,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 16 | $ 1,505,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 16 | $ 1,487,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 463,178,000 | 15 | $ 1,528,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 14 | $ 1,468,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,153,520,000 | 13 | $ 881,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 952,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 9 | $ 757,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 6 | $ 587,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 5 | $ 618,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 5 | $ 409,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 154,418,000 | 4 | $ 214,000 |
| Bankers Trust Company 453 7TH STREET DES MOINES, IA 50309 |
* | $ 398,219,000 | 4 | $ 7,196,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 267,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 206,648,000 | 3 | $ 131,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 204,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 385,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,358,284,000 | 3 | $ 337,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 173,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 163,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 227,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 338,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 414,758,000 | 1 | $ 95,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 283,840,000 | 1 | $ 7,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 194,783,000 | 1 | $ 68,000 |
| Pinnacle Bank Sioux City 1901 MORNINGSIDE AVENUE SIOUX CITY, IA 51106 |
* | $ 69,871,000 | 1 | $ 48,000 |
| Pioneer Bank 4700 SINGING HILLS BLVD. SIOUX CITY, IA 51106 |
* | $ 133,332,000 | 1 | $ 240,000 |
| Bank of Nebraska 7223 SOUTH 84TH ST. LAVISTA, NE 68128 |
* | $ 120,941,000 | 1 | $ 69,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 87,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 47,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 174,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 87,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 275,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 82,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 79,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 524,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 63,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 90,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 25,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,163,507,000 | 1 | $ 85,000 |
The tables below break down 2012 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 2012
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 | 177 | $25,440,000 | $143,000 | $3,615,000 | $71,000 | $392,000 |
| Home Purchase | 72 | $6,390,000 | $88,000 | $329,000 | $59,000 | $752,000 |
| Home Improvement | 21 | $1,081,000 | $51,000 | $192,000 | $57,000 | $142,000 |
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 | 244 | $23,763,000 | $97,000 | $524,000 | $70,000 | $752,000 |
| Not Provided | 10 | $1,005,000 | $100,000 | $275,000 | $69,000 | $179,000 |
| Not applicable | 8 | $7,658,000 | $957,000 | $3,615,000 | $0 | $0 |
| Hispanic | 4 | $272,000 | $68,000 | $82,000 | $23,000 | $26,000 |
| American Indian or Alaskan Native | 2 | $170,000 | $85,000 | $120,000 | $34,000 | $47,000 |
| Asian | 2 | $43,000 | $21,000 | $23,000 | $32,000 | $36,000 |
| 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) | 215 | $28,796,000 | $133,000 | $3,615,000 | $71,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $2,037,000 | $67,000 | $125,000 | $35,000 | $67,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,516,000 | $84,000 | $245,000 | $72,000 | $752,000 |
| VA-guaranteed (Veterans Administration) | 7 | $562,000 | $80,000 | $115,000 | $45,000 | $90,000 |
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 | 191 | $25,313,000 | $132,000 | $3,615,000 | $69,000 | $752,000 |
| Application Denied By Financial Institution | 37 | $3,315,000 | $89,000 | $338,000 | $59,000 | $189,000 |
| Application Withdrawn By Applicant | 28 | $2,900,000 | $103,000 | $254,000 | $77,000 | $367,000 |
| Loan Purchased By The Institution | 7 | $612,000 | $87,000 | $118,000 | $30,000 | $62,000 |
| Application Approved But Not Accepted | 4 | $458,000 | $114,000 | $120,000 | $60,000 | $84,000 |
| File Closed For Incompleteness | 3 | $313,000 | $104,000 | $185,000 | $52,000 | $96,000 |
| 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 | 12 | $1,184,000 | $98,000 | $275,000 | $61,000 | $179,000 |
| Collateral | 6 | $720,000 | $120,000 | $338,000 | $88,000 | $189,000 |
| Debt-To-Income Ratio | 3 | $431,000 | $143,000 | $262,000 | $46,000 | $75,000 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $87,000 | $69,000 | $90,000 |
| Other | 2 | $138,000 | $69,000 | $78,000 | $83,000 | $110,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| 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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