Clay County, IA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 424 mortgage applications in Clay County, IA totaling $47.7 million, up 3% from 2014. The average application was for $112,000, and applicants reported an average income of $55,000. 61% of applications resulted in an originated loan and 16% were denied. The most active lender was Northwest Bank, with 148 applications, followed by Iowa Bankers Mortgage Corporation and JPMorgan Chase Bank, NA.
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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 | 424 |
| Total Mortgage Loan Application Amount | $47,721,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $1,326,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $303,000 |
* 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 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,371,232,000 | 148 | $ 17,572,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 40 | $ 4,640,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 32 | $ 3,118,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 20 | $ 2,521,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 18 | $ 1,840,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,308,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 655,141,000 | 11 | $ 1,378,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 11 | $ 1,375,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 8 | $ 1,047,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 8 | $ 722,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 714,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 6 | $ 470,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 721,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 5 | $ 312,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 5 | $ 539,000 |
| Telco Triad Community CU 1420 TRI VIEW AVE SIOUX CITY, IA 51103 |
* | $ 75,117,000 | 4 | $ 116,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 816,748,000 | 3 | $ 325,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 326,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 472,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 187,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 405,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 3 | $ 328,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 3 | $ 211,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 164,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 167,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 212,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 2 | $ 277,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 398,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ 10,000,000 | 2 | $ 216,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 2 | $ 245,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 2 | $ 188,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 188,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 242,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 309,182,000 | 2 | $ 82,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 73,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,640,538,000 | 1 | $ 156,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 1 | $ 111,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 543,829,000 | 1 | $ 15,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 1 | $ 180,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 75,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 127,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 86,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Foundation One Bank 4141 N 156TH ST SUITE 101 OMAHA, NE 68116 |
* | $ 68,656,000 | 1 | $ 210,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 58,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ 5,324,994,000 | 1 | $ 108,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,270,132,000 | 1 | $ 95,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 137,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 179,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 146,069,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 50,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 309,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 8,000 |
| First Security Bank 316 BYRON AVE N BYRON, MN 55920 |
* | $ 57,244,000 | 1 | $ 111,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 34,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 94,000 |
The tables below break down 2015 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 2015
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 | 216 | $24,589,000 | $113,000 | $1,326,000 | $49,000 | $260,000 |
| Refinancing | 182 | $21,220,000 | $116,000 | $384,000 | $63,000 | $303,000 |
| Home Improvement | 26 | $1,912,000 | $73,000 | $210,000 | $56,000 | $113,000 |
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 | 335 | $37,692,000 | $112,000 | $384,000 | $62,000 | $303,000 |
| Not applicable | 47 | $5,879,000 | $125,000 | $1,326,000 | $5,000 | $98,000 |
| Not Provided | 35 | $3,741,000 | $106,000 | $272,000 | $63,000 | $260,000 |
| Hispanic | 3 | $210,000 | $70,000 | $75,000 | $38,000 | $71,000 |
| American Indian or Alaskan Native | 2 | $42,000 | $21,000 | $32,000 | $51,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $8,000 | $8,000 | $8,000 | $38,000 | $38,000 |
| Black or African American | 1 | $149,000 | $149,000 | $149,000 | $77,000 | $77,000 |
| Asian | 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) | 269 | $32,407,000 | $120,000 | $1,326,000 | $70,000 | $303,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $7,350,000 | $93,000 | $159,000 | $21,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 62 | $6,359,000 | $102,000 | $276,000 | $39,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,605,000 | $114,000 | $160,000 | $31,000 | $67,000 |
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 | 257 | $30,991,000 | $120,000 | $1,326,000 | $67,000 | $303,000 |
| Application Denied By Financial Institution | 69 | $6,334,000 | $91,000 | $309,000 | $47,000 | $187,000 |
| Loan Purchased By The Institution | 51 | $4,962,000 | $97,000 | $179,000 | $10,000 | $98,000 |
| Application Withdrawn By Applicant | 29 | $3,261,000 | $112,000 | $221,000 | $48,000 | $111,000 |
| File Closed For Incompleteness | 11 | $1,214,000 | $110,000 | $280,000 | $43,000 | $190,000 |
| Application Approved But Not Accepted | 7 | $959,000 | $137,000 | $270,000 | $77,000 | $170,000 |
| 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 | 18 | $1,140,000 | $63,000 | $134,000 | $43,000 | $120,000 |
| Debt-To-Income Ratio | 12 | $1,402,000 | $116,000 | $309,000 | $48,000 | $187,000 |
| Collateral | 7 | $623,000 | $89,000 | $135,000 | $53,000 | $97,000 |
| Credit Application Incomplete | 7 | $535,000 | $76,000 | $112,000 | $66,000 | $149,000 |
| Employment History | 4 | $328,000 | $82,000 | $130,000 | $25,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $202,000 | $101,000 | $125,000 | $27,000 | $29,000 |
| Other | 1 | $140,000 | $140,000 | $140,000 | $68,000 | $68,000 |
| Unverifiable Information | 1 | $83,000 | $83,000 | $83,000 | $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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