Clay County, IA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 752 mortgage applications in Clay County, IA totaling $74.0 million, up 27% from 2008. The average application was for $98,000, and applicants reported an average income of $63,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was Northwest Bank, with 257 applications, followed by Iowa Bankers Mortgage Corporat and Nationwide Advantage Mortgage.
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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 | 752 |
| Total Mortgage Loan Application Amount | $73,993,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $369,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $595,000 |
* 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 |
* | $ 756,287,000 | 257 | $ 24,617,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 104 | $ 11,454,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 63 | $ 7,254,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 54 | $ 5,453,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 40 | $ 4,407,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 39 | $ 3,416,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 28 | $ 2,523,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 18 | $ 842,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 12 | $ 1,190,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 401,693,000 | 10 | $ 1,261,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 813,000 |
| Telco Triad Community CU 1420 TRI VIEW AVE SIOUX CITY, IA 51103 |
* | $ 60,140,000 | 10 | $ 154,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 809,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 6 | $ 620,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 6 | $ 586,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 5 | $ 522,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,152,450,000 | 4 | $ 221,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 362,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 216,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 3 | $ 248,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 256,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 3 | $ 230,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 111,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 259,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 150,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 434,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 99,000 |
| River City Mortgage and Financ 5001 AMERICAN BLVD SUITE 1000 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 2 | $ 118,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 194,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 380,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 248,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 277,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 196,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 120,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,430,924,000 | 2 | $ 195,000 |
| Patelco Credit Union 5050 HOPYARD ROAD DUBLIN, CA 94568 |
* | $ 4,111,449,000 | 1 | $ 78,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 94,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Green Planet Mortgage, LLC 4900 CREEKSIDE DRIVE SUITE H CLEARWATER, FL 33760 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 100,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 64,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 943,441,000 | 1 | $ 150,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 357,696,000 | 1 | $ 77,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 1 | $ 369,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 1 | $ 110,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 50,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 23,000 |
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 295,800,000 | 1 | $ 94,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 341,200,000 | 1 | $ 75,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 103,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 369,650,000 | 1 | $ 95,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 144,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 2,301,637,000 | 1 | $ 94,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,779,544,000 | 1 | $ 129,000 |
| West Pointe Bank 1750 WITZEL AVE OSHKOSH, WI 54902 |
* | $ 413,152,000 | 1 | $ 38,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,207,000 | 1 | $ 173,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 1 | $ 126,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 15,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 39,000 |
The tables below break down 2009 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 2009
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 | 520 | $54,579,000 | $104,000 | $369,000 | $67,000 | $451,000 |
| Home Purchase | 200 | $18,073,000 | $90,000 | $263,000 | $51,000 | $595,000 |
| Home Improvement | 32 | $1,341,000 | $41,000 | $125,000 | $60,000 | $269,000 |
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 | 656 | $65,556,000 | $99,000 | $369,000 | $66,000 | $595,000 |
| Not applicable | 49 | $3,804,000 | $77,000 | $369,000 | $25,000 | $246,000 |
| Not Provided | 45 | $4,543,000 | $100,000 | $227,000 | $59,000 | $236,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $59,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 554 | $56,065,000 | $101,000 | $369,000 | $70,000 | $595,000 |
| FHA-insured (Federal Housing Administration) | 141 | $13,476,000 | $95,000 | $236,000 | $48,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $3,538,000 | $75,000 | $199,000 | $25,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 10 | $914,000 | $91,000 | $116,000 | $39,000 | $99,000 |
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 | 450 | $46,363,000 | $103,000 | $369,000 | $71,000 | $595,000 |
| Application Denied By Financial Institution | 108 | $8,726,000 | $80,000 | $177,000 | $46,000 | $200,000 |
| Loan Purchased By The Institution | 88 | $7,752,000 | $88,000 | $369,000 | $43,000 | $246,000 |
| Application Withdrawn By Applicant | 78 | $7,631,000 | $97,000 | $227,000 | $56,000 | $185,000 |
| Application Approved But Not Accepted | 18 | $2,414,000 | $134,000 | $356,000 | $79,000 | $256,000 |
| File Closed For Incompleteness | 10 | $1,107,000 | $110,000 | $175,000 | $51,000 | $192,000 |
| 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 | 30 | $1,958,000 | $65,000 | $135,000 | $48,000 | $131,000 |
| Debt-To-Income Ratio | 19 | $1,682,000 | $88,000 | $177,000 | $38,000 | $71,000 |
| Collateral | 19 | $1,706,000 | $89,000 | $175,000 | $64,000 | $178,000 |
| Other | 3 | $315,000 | $105,000 | $173,000 | $57,000 | $143,000 |
| Unverifiable Information | 1 | $28,000 | $28,000 | $28,000 | $44,000 | $44,000 |
| Employment History | 1 | $101,000 | $101,000 | $101,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 1 | $32,000 | $32,000 | $32,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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