Clayton County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 503 mortgage applications in Clayton County, IA totaling $63.3 million, down 37% from 2021. The average application was for $125,000, and applicants reported an average income of $79,000. 68% of applications resulted in an originated loan and 13% were denied. The most active lender was Luana Savings Bank, with 80 applications, followed by Community Savings Bank and Fidelity Bank & Trust.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Iowa.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 503 |
| Total Mortgage Loan Application Amount | $63,285,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $1,445,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $810,000 |
* 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 |
* | $ 1,965,700,000 | 80 | $ 7,920,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 521,133,000 | 74 | $ 9,580,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,658,656,000 | 39 | $ 4,735,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 35 | $ 3,475,000 |
| Central State Bank 805 22ND AVE CORALVILLE, IA 52241 |
* | $ 398,414,000 | 27 | $ 2,205,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 24 | $ 2,690,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,046,374,000 | 18 | $ 1,230,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 16 | $ 3,160,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 14 | $ 1,750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 9 | $ 775,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 499,840,000 | 8 | $ 1,380,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 6 | $ 910,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 6 | $ 630,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 804,652,000 | 5 | $ 945,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 965,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 665,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,023,480,000 | 4 | $ 730,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 510,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,442,452,000 | 4 | $ 550,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 4 | $ 860,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 540,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 620,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 4 | $ 420,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 440,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 4 | $ 460,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 332,019,000 | 4 | $ 720,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 3 | $ 425,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 980,729,000 | 3 | $ 355,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 655,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 3 | $ 375,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ 707,159,000 | 2 | $ 500,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 190,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 380,000 |
| Mount Vernon Bank and Trust Company 206 FIRST ST SW MOUNT VERNON, IA 52314 |
* | $ 174,678,000 | 2 | $ 770,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 350,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 250,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 2 | $ 710,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 230,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 2,190,390,000 | 2 | $ 360,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 500,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 320,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 2,235,630,000 | 2 | $ 220,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 200,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 410,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 185,000 |
| First Federal Credit Union 425 1ST AVE SW CEDAR RAPIDS, IA 52405 |
* | $ 183,364,000 | 1 | $ 305,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 125,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,832,277,000 | 1 | $ 105,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 981,440,000 | 1 | $ 95,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 105,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 75,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 105,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 335,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 145,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 125,000 |
| Corda Credit Union 3015 BLAIRS FERRY RD NE CEDAR RAPIDS, IA 52402 |
* | $ 567,869,000 | 1 | $ 15,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 1 | $ 145,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 175,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 105,000 |
| Ohnward Bank and Trust 332 1ST AVE W CASCADE, IA 52033 |
* | $ 387,426,000 | 1 | $ 165,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 35,057,609,000 | 1 | $ 25,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 385,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 870,500,000 | 1 | $ 45,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 593,413,000 | 1 | $ 275,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 125,000 |
| Westby Co-Op Credit Union 501 N MAIN ST WESTBY, WI 54667 |
* | $ 763,111,000 | 1 | $ 145,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 245,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2022 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 2022
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 | 249 | $33,815,000 | $135,000 | $615,000 | $80,000 | $810,000 |
| Refinancing | 111 | $14,905,000 | $134,000 | $1,445,000 | $81,000 | $304,000 |
| Cash-out Refinancing | 84 | $10,970,000 | $130,000 | $445,000 | $68,000 | $226,000 |
| Other Purpose | 30 | $2,050,000 | $68,000 | $235,000 | $101,000 | $641,000 |
| Home Improvement | 27 | $1,375,000 | $50,000 | $165,000 | $86,000 | $224,000 |
| Not Applicable | 2 | $170,000 | $85,000 | $105,000 | $38,000 | $38,000 |
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 | 430 | $51,870,000 | $120,000 | $615,000 | $79,000 | $810,000 |
| Not applicable | 31 | $5,605,000 | $180,000 | $1,445,000 | $67,000 | $97,000 |
| Not Provided | 27 | $4,125,000 | $152,000 | $465,000 | $90,000 | $226,000 |
| Hispanic | 11 | $1,225,000 | $111,000 | $355,000 | $70,000 | $117,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $36,000 | $36,000 |
| Asian | 1 | $215,000 | $215,000 | $215,000 | $115,000 | $115,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
| 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) | 427 | $51,575,000 | $120,000 | $1,445,000 | $83,000 | $810,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,950,000 | $141,000 | $275,000 | $55,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,510,000 | $125,000 | $265,000 | $50,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,250,000 | $212,000 | $615,000 | $74,000 | $273,000 |
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 | 340 | $41,930,000 | $123,000 | $1,445,000 | $85,000 | $810,000 |
| Application Denied By Financial Institution | 63 | $7,225,000 | $114,000 | $305,000 | $53,000 | $201,000 |
| Application Withdrawn By Applicant | 50 | $5,930,000 | $118,000 | $385,000 | $76,000 | $300,000 |
| Loan Purchased By The Institution | 18 | $2,790,000 | $155,000 | $275,000 | $67,000 | $97,000 |
| Application Approved But Not Accepted | 18 | $3,330,000 | $185,000 | $465,000 | $82,000 | $218,000 |
| File Closed For Incompleteness | 13 | $1,655,000 | $127,000 | $315,000 | $81,000 | $168,000 |
| Preapproval Denied by Financial Institution | 1 | $425,000 | $425,000 | $425,000 | $226,000 | $226,000 |
| Preapproval Approved but not Accepted | 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 | 400 | $50,990,000 | $127,000 | $1,445,000 | $84,000 | $810,000 |
| Debt-To-Income Ratio | 63 | $7,545,000 | $119,000 | $395,000 | $59,000 | $225,000 |
| Credit History | 17 | $1,985,000 | $116,000 | $215,000 | $61,000 | $201,000 |
| Other | 12 | $1,140,000 | $95,000 | $235,000 | $65,000 | $125,000 |
| Collateral | 6 | $890,000 | $148,000 | $425,000 | $92,000 | $226,000 |
| Employment History | 3 | $555,000 | $185,000 | $305,000 | $60,000 | $61,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $41,000 | $41,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About