Clayton County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 802 mortgage applications in Clayton County, IA totaling $89.3 million, up 17% from 2011. The average application was for $111,000, and applicants reported an average income of $73,000. 72% of applications resulted in an originated loan and 14% were denied. The most active lender was Luana Savings Bank, with 185 applications, followed by Community Savings Bank and Fidelity Bank & Trust.
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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 | 802 |
| Total Mortgage Loan Application Amount | $89,294,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $2,313,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,270,000 |
* 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 |
|---|---|---|---|---|
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 453,215,000 | 185 | $ 20,369,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 317,946,000 | 98 | $ 10,193,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 560,055,000 | 66 | $ 9,665,000 |
| Central State Bank 805 22ND AVE CORALVILLE, IA 52241 |
* | $ 155,080,000 | 50 | $ 3,916,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 38 | $ 4,282,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 3,067,409,000 | 38 | $ 3,299,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 975,137,000 | 37 | $ 3,761,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 316,782,000 | 33 | $ 5,402,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 29 | $ 3,102,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 15 | $ 1,674,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,231,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,382,225,000 | 12 | $ 1,207,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 11 | $ 801,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 11 | $ 573,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 9 | $ 910,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 860,893,000 | 9 | $ 999,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 336,476,000 | 9 | $ 1,218,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 7 | $ 702,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 426,033,000 | 7 | $ 734,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 7 | $ 841,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 7 | $ 747,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 5 | $ 515,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 5 | $ 524,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 626,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 5 | $ 466,000 |
| Atkins Savings Bank & Trust 97 MAIN AVE PO BOX 176 ATKINS, IA 52206 |
* | $ 69,800,000 | 5 | $ 861,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 1,100,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 226,483,000 | 3 | $ 491,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 514,639,000 | 3 | $ 253,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 374,642,000 | 3 | $ 419,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 624,527,000 | 3 | $ 628,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 2,018,333,000 | 2 | $ 195,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 464,395,000 | 2 | $ 336,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 168,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 1,422,343,000 | 2 | $ 147,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 2 | $ 200,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 2 | $ 97,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 414,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 160,000 |
| Bankers Trust Company 453 7TH STREET DES MOINES, IA 50309 |
* | $ 398,219,000 | 2 | $ 182,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 2 | $ 83,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 11,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 190,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 72,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 137,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 119,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 124,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 221,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 168,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 1 | $ 111,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 320,747,000 | 1 | $ 23,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 152,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 103,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 123,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 118,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 101,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 72,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 247,090,000 | 1 | $ 98,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 1 | $ 61,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 150,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 126,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 99,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 64,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 1 | $ 80,000 |
| McFarland State Bank 5990 US HIGHWAY 51 MCFARLAND, WI 53558 |
* | $ 488,152,000 | 1 | $ 71,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 840,006,000 | 1 | $ 185,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 417,673,000 | 1 | $ 112,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 196,336,000 | 1 | $ 97,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 1 | $ 85,000 |
| First State Bank PO BOX 206, 1150 W 1ST ST SUMNER, IA 50674 |
* | $ 106,089,000 | 1 | $ 31,000 |
| Citizens State Bank 114 W MAIN ST, PO BOX 198 WYOMING, IA 52362 |
* | $ 91,292,000 | 1 | $ 5,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 140,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 515,461,000 | 1 | $ 150,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 954,685,000 | 1 | $ 74,000 |
| West Bank 1601 22ND STREET WEST DES MOINES, IA 50266 |
* | $ 1,256,935,000 | 1 | $ 300,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 236,027,000 | 1 | $ 124,000 |
The tables below break down 2012 mortgage applications in Clayton 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 Clayton County, IA in 2012
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 | 508 | $62,709,000 | $123,000 | $2,313,000 | $78,000 | $1,270,000 |
| Home Purchase | 202 | $21,252,000 | $105,000 | $352,000 | $61,000 | $483,000 |
| Home Improvement | 92 | $5,333,000 | $57,000 | $417,000 | $69,000 | $942,000 |
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 | 737 | $83,420,000 | $113,000 | $2,313,000 | $76,000 | $1,270,000 |
| Not Provided | 34 | $2,990,000 | $87,000 | $244,000 | $56,000 | $213,000 |
| Not applicable | 26 | $2,586,000 | $99,000 | $300,000 | $0 | $20,000 |
| Hispanic | 3 | $162,000 | $54,000 | $122,000 | $48,000 | $69,000 |
| Asian | 1 | $133,000 | $133,000 | $133,000 | $0 | $0 |
| Black or African American | 1 | $3,000 | $3,000 | $3,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 697 | $77,169,000 | $110,000 | $2,313,000 | $76,000 | $1,270,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,179,000 | $105,000 | $190,000 | $44,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,873,000 | $121,000 | $1,302,000 | $68,000 | $1,068,000 |
| VA-guaranteed (Veterans Administration) | 24 | $3,073,000 | $128,000 | $216,000 | $46,000 | $151,000 |
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 | 576 | $65,537,000 | $113,000 | $2,313,000 | $79,000 | $1,270,000 |
| Application Denied By Financial Institution | 110 | $11,315,000 | $102,000 | $460,000 | $54,000 | $299,000 |
| Application Withdrawn By Applicant | 48 | $4,597,000 | $95,000 | $244,000 | $73,000 | $500,000 |
| Loan Purchased By The Institution | 39 | $4,605,000 | $118,000 | $350,000 | $28,000 | $125,000 |
| Application Approved But Not Accepted | 23 | $2,556,000 | $111,000 | $280,000 | $69,000 | $283,000 |
| File Closed For Incompleteness | 6 | $684,000 | $114,000 | $214,000 | $86,000 | $223,000 |
| 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 | 21 | $1,511,000 | $71,000 | $188,000 | $50,000 | $194,000 |
| Collateral | 18 | $1,935,000 | $107,000 | $417,000 | $64,000 | $299,000 |
| Debt-To-Income Ratio | 16 | $2,066,000 | $129,000 | $450,000 | $58,000 | $290,000 |
| Employment History | 3 | $430,000 | $143,000 | $174,000 | $69,000 | $117,000 |
| Other | 3 | $295,000 | $98,000 | $248,000 | $64,000 | $96,000 |
| Unverifiable Information | 2 | $163,000 | $81,000 | $101,000 | $29,000 | $33,000 |
| Credit Application Incomplete | 2 | $164,000 | $82,000 | $113,000 | $36,000 | $42,000 |
| Mortgage Insurance Denied | 1 | $170,000 | $170,000 | $170,000 | $92,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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