Clayton County, IA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 600 mortgage applications in Clayton County, IA totaling $67.2 million, up 12% from 2018. The average application was for $111,000, and applicants reported an average income of $75,000. 63% of applications resulted in an originated loan and 16% were denied. The most active lender was Luana Savings Bank, with 97 applications, followed by Community Savings Bank and Dupaco Community Credit Union.
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 | 600 |
| Total Mortgage Loan Application Amount | $67,170,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $1,555,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $349,000 |
Top Mortgage Lenders in Clayton County, IA (2019)
Ranked by the number of mortgage applications each lender reported in Clayton County, IA in 2019.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Luana Savings Bank Luana, IA |
97 | $9,365,000 | $96,000 | $72,000 |
| 2 | Community Savings Bank Edgewood, IA |
73 | $6,475,000 | $88,000 | $75,000 |
| 3 | Dupaco Community Credit Union Dubuque, IA |
51 | $5,335,000 | $104,000 | $83,000 |
| 4 | Fidelity Bank & Trust Dubuque, IA |
46 | $8,330,000 | $181,000 | $103,000 |
| 5 | Iowa Bankers Mortgage Corporation Johnston, IA |
37 | $4,685,000 | $126,000 | $58,000 |
| 6 | Central State Bank Coralville, IA |
36 | $3,620,000 | $100,000 | $82,000 |
| 7 | Veridian Credit Union Waterloo, IA |
28 | $3,230,000 | $115,000 | $76,000 |
| 8 | Marine Credit Union La Crosse, WI |
24 | $1,450,000 | $60,000 | $66,000 |
| 9 | Wells Fargo Bank NA Minneapolis, MN |
15 | $1,485,000 | $99,000 | $83,000 |
| 10 | Inlanta Mortgage, Inc. Pewaukee, WI |
14 | $1,620,000 | $115,000 | $40,000 |
The tables below break down 2019 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 2019
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 | 256 | $32,160,000 | $125,000 | $1,555,000 | $72,000 | $343,000 |
| Refinancing | 170 | $20,360,000 | $119,000 | $475,000 | $78,000 | $252,000 |
| Cash-out Refinancing | 89 | $10,475,000 | $117,000 | $455,000 | $83,000 | $349,000 |
| Other Purpose | 44 | $1,620,000 | $36,000 | $115,000 | $70,000 | $192,000 |
| Home Improvement | 35 | $2,135,000 | $61,000 | $275,000 | $77,000 | $144,000 |
| Not Applicable | 6 | $420,000 | $70,000 | $85,000 | $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 | 529 | $58,825,000 | $111,000 | $1,555,000 | $75,000 | $343,000 |
| Not applicable | 37 | $4,255,000 | $115,000 | $385,000 | $53,000 | $83,000 |
| Not Provided | 26 | $2,900,000 | $111,000 | $305,000 | $92,000 | $349,000 |
| Hispanic | 5 | $885,000 | $177,000 | $345,000 | $109,000 | $232,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $109,000 | $109,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
| 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) | 491 | $53,285,000 | $108,000 | $1,555,000 | $79,000 | $349,000 |
| VA-guaranteed (Veterans Administration) | 46 | $8,020,000 | $174,000 | $455,000 | $70,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,455,000 | $93,000 | $155,000 | $45,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,410,000 | $92,000 | $225,000 | $40,000 | $104,000 |
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 | 379 | $41,145,000 | $108,000 | $475,000 | $78,000 | $254,000 |
| Application Denied By Financial Institution | 96 | $11,160,000 | $116,000 | $1,555,000 | $63,000 | $343,000 |
| Application Withdrawn By Applicant | 59 | $6,845,000 | $116,000 | $445,000 | $69,000 | $349,000 |
| Loan Purchased By The Institution | 33 | $3,635,000 | $110,000 | $215,000 | $48,000 | $83,000 |
| Application Approved But Not Accepted | 26 | $3,100,000 | $119,000 | $425,000 | $89,000 | $269,000 |
| File Closed For Incompleteness | 7 | $1,285,000 | $183,000 | $455,000 | $116,000 | $302,000 |
| 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 | 401 | $46,505,000 | $115,000 | $475,000 | $78,000 | $349,000 |
| Debt-To-Income Ratio | 142 | $13,420,000 | $94,000 | $425,000 | $72,000 | $254,000 |
| Credit History | 27 | $4,195,000 | $155,000 | $1,555,000 | $71,000 | $343,000 |
| Collateral | 10 | $1,280,000 | $128,000 | $305,000 | $81,000 | $304,000 |
| Other | 9 | $795,000 | $88,000 | $145,000 | $70,000 | $192,000 |
| Credit Application Incomplete | 8 | $720,000 | $90,000 | $135,000 | $55,000 | $91,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| 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.
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