Clarke County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 296 mortgage applications in Clarke County, IA totaling $42.6 million, down 27% from 2022. The average application was for $143,000, and applicants reported an average income of $89,000. 67% of applications resulted in an originated loan and 14% were denied. The most active lender was American State Bank, with 37 applications, followed by First National Bank Ames Iowa and Community 1st Credit Union.
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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 | 296 |
| Total Mortgage Loan Application Amount | $42,610,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $815,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ 296,189,000 | 37 | $ 3,865,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ 1,117,262,000 | 33 | $ 3,365,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 28 | $ 2,930,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 17 | $ 4,275,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 14 | $ 1,690,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 10 | $ 770,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 9 | $ 815,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,515,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,385,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 797,643,000 | 6 | $ 200,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 6 | $ 410,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 6 | $ 280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 1,170,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 765,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 2,455,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 620,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 681,375,000 | 4 | $ 1,090,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 3 | $ 605,000 |
| Union State Bank 611 W HWY 92 WINTERSET, IA 50273 |
* | $ 129,106,000 | 3 | $ 515,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 165,000 |
| Trubank 1401 N JEFFERSON WAY INDIANOLA, IA 50125 |
* | $ 415,445,000 | 3 | $ 595,000 |
| Fidelity Bank 302 MAIN ST SAVANNA, IL 61074 |
* | $ 109,549,000 | 3 | $ 1,055,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 3 | $ 315,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 375,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 3 | $ 345,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 615,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 525,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 656,786,000 | 3 | $ 235,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 210,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 410,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 1,130,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 390,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 320,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 2,036,937,000 | 2 | $ 40,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 280,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 430,704,000 | 2 | $ 400,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 2 | $ 90,000 |
| Rvr Bank 1005 E 23RD ST #1 FREMONT, NE 68025 |
* | $ 464,756,000 | 2 | $ 240,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 400,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 619,628,000 | 2 | $ 480,000 |
| Journey Credit Union 1400 2ND AVE DES MOINES, IA 50314 |
* | $ 84,845,000 | 2 | $ 260,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 500,000 |
| Verimore Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ 452,884,000 | 1 | $ 135,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 155,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 287,084,000 | 1 | $ 55,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 95,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 195,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,918,861,000 | 1 | $ 305,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ 415,176,000 | 1 | $ 125,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 215,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 195,000 |
| Central State Bank 109 W MAIN ST STATE CENTER, IA 50247 |
* | $ 443,289,000 | 1 | $ 125,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 2,035,629,000 | 1 | $ 295,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 35,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 1 | $ 215,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,471,026,000 | 1 | $ 325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 155,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ 1,003,955,000 | 1 | $ 135,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 162,421,000 | 1 | $ 65,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 95,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 145,000 |
| Farmers & Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ 226,374,000 | 1 | $ 15,000 |
The tables below break down 2023 mortgage applications in Clarke 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 Clarke County, IA in 2023
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 | 157 | $29,875,000 | $190,000 | $755,000 | $91,000 | $385,000 |
| Home Improvement | 41 | $1,955,000 | $47,000 | $305,000 | $80,000 | $192,000 |
| Cash-out Refinancing | 40 | $3,900,000 | $97,000 | $195,000 | $71,000 | $246,000 |
| Refinancing | 39 | $5,885,000 | $150,000 | $815,000 | $90,000 | $414,000 |
| Other Purpose | 18 | $800,000 | $44,000 | $105,000 | $133,000 | $600,000 |
| Not Applicable | 1 | $195,000 | $195,000 | $195,000 | $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 | 209 | $28,085,000 | $134,000 | $815,000 | $93,000 | $414,000 |
| Hispanic | 31 | $3,805,000 | $122,000 | $465,000 | $60,000 | $155,000 |
| Not Provided | 28 | $5,320,000 | $190,000 | $675,000 | $102,000 | $600,000 |
| Not applicable | 22 | $4,810,000 | $218,000 | $525,000 | $0 | $0 |
| Asian | 2 | $240,000 | $120,000 | $195,000 | $44,000 | $45,000 |
| Black or African American | 2 | $100,000 | $50,000 | $65,000 | $102,000 | $138,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $72,000 | $72,000 |
| 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) | 235 | $31,805,000 | $135,000 | $815,000 | $94,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 31 | $5,445,000 | $175,000 | $365,000 | $74,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,080,000 | $192,000 | $285,000 | $64,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,280,000 | $162,000 | $265,000 | $65,000 | $112,000 |
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 | 198 | $27,170,000 | $137,000 | $815,000 | $91,000 | $414,000 |
| Application Denied By Financial Institution | 40 | $5,550,000 | $138,000 | $675,000 | $84,000 | $600,000 |
| Application Withdrawn By Applicant | 29 | $3,805,000 | $131,000 | $465,000 | $83,000 | $267,000 |
| Loan Purchased By The Institution | 18 | $4,090,000 | $227,000 | $515,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $965,000 | $193,000 | $565,000 | $87,000 | $142,000 |
| File Closed For Incompleteness | 4 | $580,000 | $145,000 | $195,000 | $102,000 | $241,000 |
| Preapproval Approved but not Accepted | 1 | $295,000 | $295,000 | $295,000 | $81,000 | $81,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $43,000 | $43,000 |
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 | 209 | $30,685,000 | $146,000 | $755,000 | $89,000 | $385,000 |
| Debt-To-Income Ratio | 64 | $8,770,000 | $137,000 | $815,000 | $85,000 | $414,000 |
| Credit History | 11 | $965,000 | $87,000 | $205,000 | $111,000 | $600,000 |
| Credit Application Incomplete | 5 | $1,455,000 | $291,000 | $555,000 | $121,000 | $300,000 |
| Collateral | 2 | $150,000 | $75,000 | $105,000 | $65,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $350,000 | $175,000 | $215,000 | $93,000 | $105,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $66,000 | $66,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $74,000 | $74,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $65,000 | $65,000 |
| 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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