Clay County, IA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 594 mortgage applications in Clay County, IA totaling $62.0 million, down 23% from 2007. The average application was for $104,000, and applicants reported an average income of $63,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was Northwest Bank, with 125 applications, followed by Countrywide Bank FSB and Iowa Bankers Mortgage Corporat.
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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 | 594 |
| Total Mortgage Loan Application Amount | $61,967,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $575,000 |
* 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 |
|---|---|---|---|---|
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 728,307,000 | 125 | $ 12,244,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 67 | $ 6,590,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 50 | $ 4,912,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 27 | $ 3,547,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 26 | $ 2,968,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 26 | $ 3,419,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 25 | $ 3,371,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 25 | $ 2,245,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 23 | $ 2,112,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 406,348,000 | 19 | $ 2,692,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 15 | $ 1,811,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 11 | $ 975,000 |
| Telco Triad Community CU 1420 TRI VIEW AVE SIOUX CITY, IA 51103 |
* | $ 57,212,000 | 11 | $ 248,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 642,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 10 | $ 945,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 9 | $ 826,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 389,378,000 | 7 | $ 1,002,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 879,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 751,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 6 | $ 562,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 6 | $ 508,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 5 | $ 458,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 5 | $ 427,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 543,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 640,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 115,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 3 | $ 165,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 3 | $ 327,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 354,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 3 | $ 37,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,071,066,000 | 3 | $ 97,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 619,196,000 | 2 | $ 76,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 118,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 417,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 289,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 2 | $ 341,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 2 | $ 59,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 230,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 15,000 |
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 266,139,000 | 1 | $ 3,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 46,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 65,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 163,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 76,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 66,540,000 | 1 | $ 121,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 10,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 727,276,000 | 1 | $ 14,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 91,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 100,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 96,000 |
| Voyager Bank 775 PRAIRIE CENTER DRIVE EDEN PRAIRIE, MN 55344 |
* | $ 540,159,000 | 1 | $ 800,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 79,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 238,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 584,687,000 | 1 | $ 110,000 |
| Telcoe Federal Credit Union PO BOX 34200 LITTLE ROCK, AR 72201 |
* | $ 188,328,000 | 1 | $ 135,000 |
| First Class Community Credit Union 2051 WESTOWN PARKWAY WEST DES MOINES, IA 50265 |
* | $ 49,452,000 | 1 | $ 26,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,795,053,000 | 1 | $ 149,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 490,140,000 | 1 | $ 143,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 195,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 149,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 85,000 |
The tables below break down 2008 mortgage applications in Clay 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 Clay County, IA in 2008
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 | 327 | $36,220,000 | $110,000 | $800,000 | $66,000 | $575,000 |
| Home Purchase | 221 | $22,840,000 | $103,000 | $376,000 | $59,000 | $522,000 |
| Home Improvement | 46 | $2,907,000 | $63,000 | $865,000 | $65,000 | $558,000 |
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 | 509 | $52,234,000 | $102,000 | $865,000 | $67,000 | $575,000 |
| Not applicable | 41 | $5,967,000 | $145,000 | $800,000 | $25,000 | $368,000 |
| Not Provided | 28 | $2,255,000 | $80,000 | $192,000 | $48,000 | $120,000 |
| Hispanic | 8 | $619,000 | $77,000 | $113,000 | $78,000 | $317,000 |
| Asian | 7 | $809,000 | $115,000 | $376,000 | $81,000 | $253,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $83,000 | $83,000 | $83,000 | $45,000 | $45,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 445 | $48,145,000 | $108,000 | $865,000 | $71,000 | $575,000 |
| FHA-insured (Federal Housing Administration) | 91 | $9,546,000 | $104,000 | $276,000 | $48,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $3,709,000 | $69,000 | $128,000 | $33,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 5 | $567,000 | $113,000 | $121,000 | $43,000 | $61,000 |
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 | 264 | $27,946,000 | $105,000 | $865,000 | $74,000 | $575,000 |
| Application Denied By Financial Institution | 136 | $13,573,000 | $99,000 | $363,000 | $52,000 | $352,000 |
| Loan Purchased By The Institution | 113 | $13,051,000 | $115,000 | $376,000 | $59,000 | $520,000 |
| Application Withdrawn By Applicant | 56 | $5,400,000 | $96,000 | $231,000 | $53,000 | $225,000 |
| Application Approved But Not Accepted | 17 | $1,308,000 | $76,000 | $123,000 | $51,000 | $91,000 |
| File Closed For Incompleteness | 8 | $689,000 | $86,000 | $150,000 | $56,000 | $116,000 |
| 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 | 33 | $2,667,000 | $80,000 | $241,000 | $49,000 | $352,000 |
| Debt-To-Income Ratio | 20 | $3,047,000 | $152,000 | $276,000 | $50,000 | $89,000 |
| Collateral | 16 | $1,516,000 | $94,000 | $160,000 | $54,000 | $112,000 |
| Credit Application Incomplete | 4 | $344,000 | $86,000 | $105,000 | $40,000 | $64,000 |
| Other | 3 | $369,000 | $123,000 | $148,000 | $55,000 | $67,000 |
| Unverifiable Information | 3 | $321,000 | $107,000 | $140,000 | $53,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $164,000 | $164,000 | $164,000 | $95,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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