Davis County, IA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 157 mortgage applications in Davis County, IA totaling $14.6 million, down 13% from 2014. The average application was for $92,000, and applicants reported an average income of $62,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was Community 1st Credit Union, with 54 applications, followed by Wells Fargo Bank NA and Bank of the West.
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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 | 157 |
| Total Mortgage Loan Application Amount | $14,564,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $560,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $600,000 |
| 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 |
* | $ 519,361,000 | 54 | $ 3,392,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 19 | $ 2,404,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 13 | $ 737,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 8 | $ 597,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,790,345,000 | 4 | $ 267,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 623,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 356,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 3 | $ 406,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 369,000 |
| Grinnell State Bank 814 FOURTH AVENUE GRINNELL, IA 50112 |
* | $ 288,639,000 | 2 | $ 410,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 194,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 140,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 727,891,000 | 2 | $ 200,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 440,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 274,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 436,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 137,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 84,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 71,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 152,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 21,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 61,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 56,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 18,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 98,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 43,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 109,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 76,205,000 | 1 | $ 83,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 163,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 170,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 203,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 83,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 245,000 |
| Central Bank and Trust Co. 700 EAST 30TH HUTCHINSON, KS 67502 |
* | $ 258,995,000 | 1 | $ 96,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 46,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 600,596,000 | 1 | $ 275,000 |
The tables below break down 2015 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 2015
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 | 82 | $8,422,000 | $102,000 | $560,000 | $61,000 | $456,000 |
| Home Purchase | 56 | $5,346,000 | $95,000 | $218,000 | $65,000 | $600,000 |
| Home Improvement | 19 | $796,000 | $41,000 | $245,000 | $59,000 | $121,000 |
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 | 138 | $12,255,000 | $88,000 | $385,000 | $66,000 | $600,000 |
| Not Provided | 11 | $1,500,000 | $136,000 | $560,000 | $44,000 | $85,000 |
| Not applicable | 5 | $456,000 | $91,000 | $245,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $218,000 | $61,000 | $90,000 |
| Hispanic | 1 | $73,000 | $73,000 | $73,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 113 | $9,659,000 | $85,000 | $560,000 | $70,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,358,000 | $102,000 | $204,000 | $51,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,807,000 | $164,000 | $245,000 | $39,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $740,000 | $74,000 | $109,000 | $32,000 | $55,000 |
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 | 88 | $7,801,000 | $88,000 | $275,000 | $59,000 | $180,000 |
| Application Denied By Financial Institution | 31 | $3,153,000 | $101,000 | $560,000 | $83,000 | $600,000 |
| Application Withdrawn By Applicant | 25 | $2,161,000 | $86,000 | $218,000 | $57,000 | $133,000 |
| File Closed For Incompleteness | 5 | $354,000 | $70,000 | $125,000 | $42,000 | $54,000 |
| Application Approved But Not Accepted | 4 | $674,000 | $168,000 | $241,000 | $89,000 | $116,000 |
| Loan Purchased By The Institution | 4 | $421,000 | $105,000 | $245,000 | $0 | $0 |
| 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 | 7 | $327,000 | $46,000 | $65,000 | $132,000 | $600,000 |
| Other | 5 | $479,000 | $95,000 | $146,000 | $62,000 | $104,000 |
| Debt-To-Income Ratio | 3 | $130,000 | $43,000 | $70,000 | $24,000 | $54,000 |
| Collateral | 3 | $612,000 | $204,000 | $385,000 | $213,000 | $456,000 |
| Unverifiable Information | 2 | $59,000 | $29,000 | $34,000 | $46,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $148,000 | $74,000 | $104,000 | $50,000 | $56,000 |
| Employment History | 1 | $59,000 | $59,000 | $59,000 | $24,000 | $24,000 |
| Credit Application Incomplete | 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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