Clay County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 557 mortgage applications in Clay County, IA totaling $63.3 million, up 33% from 2017. The average application was for $113,000, and applicants reported an average income of $70,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was Northwest Bank, with 249 applications, followed by Iowa Bankers Mortgage Corporation and US Bank, N.A..
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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 | 557 |
| Total Mortgage Loan Application Amount | $63,335,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $70,000 |
| 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 |
|---|---|---|---|---|
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,541,610,000 | 249 | $ 22,925,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 47 | $ 7,535,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 24 | $ 2,790,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 690,531,000 | 17 | $ 1,665,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 14 | $ 1,900,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 13 | $ 1,425,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 10 | $ 1,270,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 818,571,000 | 9 | $ 1,755,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 8 | $ 730,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 8 | $ 950,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 7 | $ 935,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 900,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 6 | $ 450,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,150,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 640,000 |
| Iowa State Bank 1101 MAIN STREET HULL, IA 51239 |
* | $ 604,300,000 | 5 | $ 995,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 590,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 390,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 4 | $ 320,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,105,885,000 | 3 | $ 315,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 3 | $ 345,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 195,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 835,005,000 | 3 | $ 385,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 295,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 280,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 220,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 2 | $ 220,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 90,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 2 | $ 160,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 290,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 290,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 180,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 2 | $ 230,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 190,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 430,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 150,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 869,903,000 | 2 | $ 300,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 15,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 235,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,490,031,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 115,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ -1,000 | 1 | $ 65,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 65,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,787,790,000 | 1 | $ 505,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 115,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ -1,000 | 1 | $ 215,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 1 | $ 305,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 115,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 261,210,000 | 1 | $ 15,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 65,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 204,660,000 | 1 | $ 45,000 |
| Amalgamated Bank 275 SEVENTH AVENUE NEW YORK, NY 10001 |
* | $ 4,050,714,000 | 1 | $ 525,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 195,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 185,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 195,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 1 | $ 5,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 423,543,000 | 1 | $ 635,000 |
| American Bank, National Association 234 5TH AVE SW LE MARS, IA 51031 |
* | $ 294,607,000 | 1 | $ 135,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 550,638,000 | 1 | $ 125,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 525,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 125,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 175,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 55,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 125,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 95,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 215,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 155,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2018 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 2018
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 | 267 | $34,945,000 | $130,000 | $605,000 | $69,000 | $600,000 |
| Refinancing | 100 | $11,170,000 | $111,000 | $635,000 | $76,000 | $420,000 |
| Cash-out Refinancing | 90 | $11,310,000 | $125,000 | $415,000 | $69,000 | $322,000 |
| Home Improvement | 47 | $2,145,000 | $45,000 | $135,000 | $62,000 | $193,000 |
| Other Purpose | 43 | $2,045,000 | $47,000 | $205,000 | $72,000 | $188,000 |
| Not Applicable | 10 | $1,720,000 | $172,000 | $525,000 | $98,000 | $152,000 |
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 | 449 | $49,945,000 | $111,000 | $635,000 | $70,000 | $420,000 |
| Not Provided | 59 | $7,065,000 | $119,000 | $415,000 | $60,000 | $254,000 |
| Not applicable | 38 | $5,380,000 | $141,000 | $605,000 | $98,000 | $165,000 |
| Asian | 5 | $435,000 | $87,000 | $115,000 | $49,000 | $82,000 |
| Hispanic | 3 | $215,000 | $71,000 | $95,000 | $236,000 | $600,000 |
| Black or African American | 2 | $240,000 | $120,000 | $185,000 | $73,000 | $105,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $80,000 | $80,000 |
| 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) | 407 | $44,775,000 | $110,000 | $635,000 | $76,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 59 | $6,425,000 | $108,000 | $275,000 | $49,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,080,000 | $105,000 | $215,000 | $48,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 43 | $7,055,000 | $164,000 | $525,000 | $61,000 | $153,000 |
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 | 360 | $40,290,000 | $111,000 | $605,000 | $75,000 | $600,000 |
| Application Denied By Financial Institution | 67 | $6,395,000 | $95,000 | $635,000 | $51,000 | $130,000 |
| Application Withdrawn By Applicant | 61 | $7,235,000 | $118,000 | $505,000 | $63,000 | $348,000 |
| Loan Purchased By The Institution | 53 | $7,255,000 | $136,000 | $395,000 | $70,000 | $165,000 |
| File Closed For Incompleteness | 11 | $1,425,000 | $129,000 | $525,000 | $76,000 | $152,000 |
| Application Approved But Not Accepted | 5 | $735,000 | $147,000 | $165,000 | $49,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 478 | $54,960,000 | $114,000 | $585,000 | $73,000 | $600,000 |
| Debt-To-Income Ratio | 26 | $3,920,000 | $150,000 | $635,000 | $48,000 | $121,000 |
| Credit History | 23 | $1,615,000 | $70,000 | $175,000 | $56,000 | $130,000 |
| Credit Application Incomplete | 10 | $990,000 | $99,000 | $175,000 | $53,000 | $105,000 |
| Collateral | 8 | $430,000 | $53,000 | $155,000 | $40,000 | $83,000 |
| Other | 6 | $620,000 | $103,000 | $165,000 | $64,000 | $103,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $205,000 | $87,000 | $105,000 |
| Employment History | 2 | $220,000 | $110,000 | $115,000 | $35,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $260,000 | $130,000 | $195,000 | $47,000 | $53,000 |
| 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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