Cherokee County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 295 mortgage applications in Cherokee County, IA totaling $27.7 million, up 9% from 2012. The average application was for $93,000, and applicants reported an average income of $65,000. 64% of applications resulted in an originated loan and 17% were denied. The most active lender was Central Bank, with 95 applications, followed by United Bank of Iowa and Inspired Financial Services, 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 | 295 |
| Total Mortgage Loan Application Amount | $27,671,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $405,000 |
* 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 |
* | $ 489,735,000 | 95 | $ 8,709,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,216,747,000 | 18 | $ 1,681,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 153,979,000 | 17 | $ 1,194,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 17 | $ 1,520,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 14 | $ 1,178,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 447,183,000 | 10 | $ 609,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 9 | $ 889,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 7 | $ 502,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 280,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 284,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 217,496,000 | 4 | $ 791,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ 100,000,000 | 4 | $ 473,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 4 | $ 330,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 254,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,761,275,000 | 4 | $ 467,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 164,424,000 | 4 | $ 316,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 310,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 3 | $ 743,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 191,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 3 | $ 313,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 156,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 396,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 273,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 286,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 2 | $ 119,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 134,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 149,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 173,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 91,602,000 | 1 | $ 33,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Bank of Nebraska 7223 SOUTH 84TH ST. LAVISTA, NE 68128 |
* | $ 129,662,000 | 1 | $ 55,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 137,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 117,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 1 | $ 7,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,176,846,000 | 1 | $ 4,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 326,261,000 | 1 | $ 61,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 412,260,000 | 1 | $ 108,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 70,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 53,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 55,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 1 | $ 43,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 1 | $ 53,000 |
| Siouxland National Bank 1001 W 29TH ST SOUTH SIOUX CITY, NE 68776 |
* | $ 49,137,000 | 1 | $ 30,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 261,399,000 | 1 | $ 69,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 337,930,000 | 1 | $ 50,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 128,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 85,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 30,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 77,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 94,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 133,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 946,494,000 | 1 | $ 1,650,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 80,000 |
The tables below break down 2013 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 2013
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 | 149 | $16,833,000 | $112,000 | $1,650,000 | $76,000 | $366,000 |
| Home Purchase | 127 | $9,930,000 | $78,000 | $320,000 | $47,000 | $367,000 |
| Home Improvement | 19 | $908,000 | $47,000 | $150,000 | $92,000 | $405,000 |
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 | 252 | $24,683,000 | $97,000 | $1,650,000 | $68,000 | $405,000 |
| Not Provided | 18 | $1,486,000 | $82,000 | $205,000 | $64,000 | $186,000 |
| Hispanic | 10 | $524,000 | $52,000 | $74,000 | $26,000 | $56,000 |
| Not applicable | 9 | $632,000 | $70,000 | $108,000 | $31,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $149,000 | $74,000 | $97,000 | $75,000 | $93,000 |
| Asian | 2 | $116,000 | $58,000 | $92,000 | $0 | $0 |
| Black or African American | 2 | $81,000 | $40,000 | $52,000 | $33,000 | $35,000 |
| American Indian or Alaskan Native | 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) | 205 | $21,060,000 | $102,000 | $1,650,000 | $76,000 | $405,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $3,714,000 | $65,000 | $168,000 | $34,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,297,000 | $85,000 | $187,000 | $46,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 6 | $600,000 | $100,000 | $152,000 | $42,000 | $118,000 |
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 | 188 | $17,022,000 | $90,000 | $650,000 | $66,000 | $367,000 |
| Application Denied By Financial Institution | 50 | $5,410,000 | $108,000 | $1,650,000 | $56,000 | $300,000 |
| Application Withdrawn By Applicant | 22 | $2,299,000 | $104,000 | $320,000 | $76,000 | $405,000 |
| Loan Purchased By The Institution | 18 | $1,498,000 | $83,000 | $277,000 | $43,000 | $95,000 |
| Application Approved But Not Accepted | 12 | $874,000 | $72,000 | $125,000 | $66,000 | $139,000 |
| File Closed For Incompleteness | 5 | $568,000 | $113,000 | $263,000 | $114,000 | $285,000 |
| 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 | 9 | $579,000 | $64,000 | $168,000 | $47,000 | $83,000 |
| Debt-To-Income Ratio | 7 | $2,119,000 | $302,000 | $1,650,000 | $61,000 | $213,000 |
| Other | 7 | $901,000 | $128,000 | $240,000 | $107,000 | $300,000 |
| Collateral | 4 | $231,000 | $57,000 | $81,000 | $68,000 | $82,000 |
| Credit Application Incomplete | 3 | $386,000 | $128,000 | $248,000 | $84,000 | $186,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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