Clayton County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 406 mortgage applications in Clayton County, IA totaling $49.1 million, down 19% from 2022. The average application was for $120,000, and applicants reported an average income of $96,000. 65% of applications resulted in an originated loan and 11% were denied. The most active lender was Luana Savings Bank, with 62 applications, followed by Fidelity Bank & Trust and Dupaco Community Credit Union.
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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 | 406 |
| Total Mortgage Loan Application Amount | $49,070,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,492,000 |
* 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 |
* | $ 2,036,937,000 | 62 | $ 6,630,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,784,652,000 | 44 | $ 5,450,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 3,010,410,000 | 41 | $ 4,835,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 545,780,000 | 33 | $ 2,875,000 |
| Central State Bank 805 22ND AVE CORALVILLE, IA 52241 |
* | $ 448,360,000 | 23 | $ 1,575,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 20 | $ 2,800,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 20 | $ 1,540,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 19 | $ 2,005,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,655,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 489,452,000 | 9 | $ 1,015,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 9 | $ 925,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 985,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 5 | $ 475,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 760,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 4 | $ 430,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 540,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 500,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 455,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 385,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,574,512,000 | 3 | $ 125,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 375,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 615,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 315,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 346,622,000 | 3 | $ 415,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,649,497,000 | 3 | $ 975,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 310,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 340,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 510,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 270,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 310,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 45,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 180,423,000 | 1 | $ 75,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,542,625,000 | 1 | $ 15,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 205,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ 9,178,296,000 | 1 | $ 75,000 |
| Mount Vernon Bank and Trust Company 206 FIRST ST SW MOUNT VERNON, IA 52314 |
* | $ 182,031,000 | 1 | $ 125,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 575,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 6,057,275,000 | 1 | $ 345,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 225,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 35,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ 745,127,000 | 1 | $ 75,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 115,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 1 | $ 205,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 1 | $ 45,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 285,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 145,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 145,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 135,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 1,044,788,000 | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 85,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 45,000 |
| Solon State Bank 126 S MARKET ST SOLON, IA 25333 |
* | $ 124,966,000 | 1 | $ 145,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 1 | $ 245,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 215,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 348,731,000,000 | 1 | $ 185,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 105,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 1,264,296,000 | 1 | $ 455,000 |
| Atkins Savings Bank & Trust 97 MAIN AVE ATKINS, IA 52206 |
* | $ 137,585,000 | 1 | $ 675,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 145,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 485,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 3,979,185,000 | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 55,000 |
| Ohnward Bank and Trust 332 1ST AVE W CASCADE, IA 52033 |
* | $ 391,537,000 | 1 | $ 275,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 785,842,000 | 1 | $ 75,000 |
| Peoples Savings Bank 400 E IOWA AVE INDIANOLA, IA 50125 |
* | $ 494,712,000 | 1 | $ 145,000 |
The tables below break down 2023 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 2023
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 | 227 | $34,605,000 | $152,000 | $675,000 | $98,000 | $352,000 |
| Cash-out Refinancing | 61 | $6,855,000 | $112,000 | $485,000 | $71,000 | $187,000 |
| Other Purpose | 44 | $2,360,000 | $53,000 | $205,000 | $123,000 | $1,492,000 |
| Home Improvement | 40 | $1,780,000 | $44,000 | $185,000 | $101,000 | $279,000 |
| Refinancing | 33 | $3,425,000 | $103,000 | $345,000 | $83,000 | $336,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
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 | 345 | $41,355,000 | $119,000 | $675,000 | $97,000 | $1,492,000 |
| Not applicable | 32 | $4,500,000 | $140,000 | $485,000 | $0 | $0 |
| Not Provided | 22 | $2,640,000 | $120,000 | $325,000 | $85,000 | $170,000 |
| Hispanic | 5 | $415,000 | $83,000 | $125,000 | $58,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $56,000 | $56,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $164,000 | $164,000 |
| Black or African American | 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) | 339 | $39,035,000 | $115,000 | $675,000 | $99,000 | $1,492,000 |
| FHA-insured (Federal Housing Administration) | 44 | $6,730,000 | $152,000 | $465,000 | $73,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,235,000 | $171,000 | $275,000 | $80,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,070,000 | $107,000 | $225,000 | $62,000 | $95,000 |
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 | 262 | $32,510,000 | $124,000 | $675,000 | $98,000 | $350,000 |
| Application Withdrawn By Applicant | 46 | $3,860,000 | $83,000 | $325,000 | $77,000 | $187,000 |
| Application Denied By Financial Institution | 44 | $5,150,000 | $117,000 | $485,000 | $97,000 | $1,492,000 |
| Loan Purchased By The Institution | 26 | $4,410,000 | $169,000 | $575,000 | $125,000 | $167,000 |
| Application Approved But Not Accepted | 15 | $1,465,000 | $97,000 | $335,000 | $89,000 | $170,000 |
| File Closed For Incompleteness | 11 | $1,425,000 | $129,000 | $415,000 | $114,000 | $352,000 |
| Preapproval Approved but not Accepted | 2 | $250,000 | $125,000 | $195,000 | $42,000 | $48,000 |
| 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 | 282 | $37,060,000 | $131,000 | $575,000 | $95,000 | $352,000 |
| Debt-To-Income Ratio | 95 | $8,785,000 | $92,000 | $675,000 | $106,000 | $1,492,000 |
| Credit History | 11 | $1,025,000 | $93,000 | $155,000 | $63,000 | $108,000 |
| Collateral | 9 | $1,135,000 | $126,000 | $485,000 | $72,000 | $155,000 |
| Unverifiable Information | 4 | $570,000 | $142,000 | $245,000 | $46,000 | $95,000 |
| Other | 3 | $255,000 | $85,000 | $125,000 | $47,000 | $55,000 |
| Credit Application Incomplete | 2 | $240,000 | $120,000 | $205,000 | $105,000 | $131,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
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