Davis County, IA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 183 mortgage applications in Davis County, IA totaling $26.2 million, up 10% from 2024. The average application was for $143,000, and applicants reported an average income of $83,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Community 1st Credit Union, with 35 applications, followed by Mortgage Research Center and Empeople 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 | 183 |
| Total Mortgage Loan Application Amount | $26,205,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $290,000 |
* 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 |
|---|---|---|---|---|
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ n/a | 35 | $ 2,865,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 11 | $ 2,255,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 8 | $ 870,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 480,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 8 | $ 820,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 7 | $ 455,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 6 | $ 1,210,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 5 | $ 345,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 580,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 4 | $ 1,200,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 820,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 825,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 3 | $ 335,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 875,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 595,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 565,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 895,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 45,000 |
| Bank Northwest 201 S DAVIS HAMILTON, MO 64644 |
* | $ n/a | 2 | $ 130,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 520,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 110,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 440,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 270,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 470,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ n/a | 2 | $ 270,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 2 | $ 30,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 380,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 380,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 400,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 85,000 |
| First State Bank 413 EAST ST LYNNVILLE, IA 50153 |
* | $ n/a | 1 | $ 155,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 25,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 85,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 105,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 325,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ n/a | 1 | $ 255,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 55,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 215,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 325,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ n/a | 1 | $ 365,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 415,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 185,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ n/a | 1 | $ 155,000 |
| Park Lane Finance Solutionsllc 1228 CEDARS CT STE 201 CHARLOTTESVILLE, VA 22903 |
* | $ n/a | 1 | $ 75,000 |
| Blackhawk Bank & Trust 301 4TH STREET WEST MILAN, IL 61264 |
* | $ n/a | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 145,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 85,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ n/a | 1 | $ 455,000 |
The tables below break down 2025 mortgage applications in Davis 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 Davis County, IA in 2025
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 | 79 | $12,385,000 | $156,000 | $455,000 | $79,000 | $290,000 |
| Refinancing | 49 | $6,755,000 | $137,000 | $355,000 | $88,000 | $188,000 |
| Cash-out Refinancing | 34 | $5,960,000 | $175,000 | $535,000 | $84,000 | $150,000 |
| Other Purpose | 11 | $615,000 | $55,000 | $125,000 | $84,000 | $223,000 |
| Home Improvement | 10 | $490,000 | $49,000 | $145,000 | $91,000 | $111,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 147 | $21,215,000 | $144,000 | $535,000 | $86,000 | $290,000 |
| Not applicable | 17 | $2,915,000 | $171,000 | $345,000 | $30,000 | $30,000 |
| Not Provided | 16 | $1,640,000 | $102,000 | $285,000 | $59,000 | $120,000 |
| Hispanic | 3 | $435,000 | $145,000 | $165,000 | $75,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 124 | $14,150,000 | $114,000 | $535,000 | $85,000 | $290,000 |
| VA-guaranteed (Veterans Administration) | 35 | $7,745,000 | $221,000 | $355,000 | $72,000 | $126,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,535,000 | $186,000 | $325,000 | $85,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $775,000 | $155,000 | $195,000 | $62,000 | $92,000 |
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 | 102 | $15,220,000 | $149,000 | $535,000 | $91,000 | $290,000 |
| Application Denied By Financial Institution | 33 | $3,235,000 | $98,000 | $255,000 | $64,000 | $152,000 |
| Application Withdrawn By Applicant | 15 | $2,285,000 | $152,000 | $455,000 | $73,000 | $140,000 |
| Loan Purchased By The Institution | 14 | $2,750,000 | $196,000 | $345,000 | $30,000 | $30,000 |
| File Closed For Incompleteness | 10 | $2,020,000 | $202,000 | $505,000 | $105,000 | $150,000 |
| Application Approved But Not Accepted | 9 | $695,000 | $77,000 | $175,000 | $72,000 | $120,000 |
| 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 | 146 | $22,320,000 | $152,000 | $535,000 | $86,000 | $290,000 |
| Debt-To-Income Ratio | 17 | $1,835,000 | $107,000 | $365,000 | $67,000 | $220,000 |
| Credit History | 10 | $1,090,000 | $109,000 | $225,000 | $77,000 | $152,000 |
| Other | 3 | $145,000 | $48,000 | $65,000 | $69,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $245,000 | $87,000 | $91,000 |
| Collateral | 2 | $340,000 | $170,000 | $255,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $75,000 | $76,000 | $123,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $86,000 | $86,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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