Decatur County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 190 mortgage applications in Decatur County, IA totaling $26.7 million, down 16% from 2022. The average application was for $140,000, and applicants reported an average income of $94,000. 61% of applications resulted in an originated loan and 14% were denied. The most active lender was American State Bank, with 20 applications, followed by Community 1st Credit Union and Btc Bank.
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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 | 190 |
| Total Mortgage Loan Application Amount | $26,700,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $839,000 |
* 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 |
|---|---|---|---|---|
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ 296,189,000 | 20 | $ 2,570,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 18 | $ 1,770,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ 1,003,955,000 | 13 | $ 1,755,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 10 | $ 1,300,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ 1,117,262,000 | 8 | $ 980,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 6 | $ 540,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 6 | $ 1,260,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 6 | $ 430,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 760,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 740,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,015,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 4 | $ 450,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 4 | $ 210,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 445,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 3 | $ 385,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 645,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 3 | $ 605,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 490,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ -1,000 | 2 | $ 670,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 280,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 520,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 2 | $ 270,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 710,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 450,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 80,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 670,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 430,704,000 | 2 | $ 160,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,471,026,000 | 2 | $ 220,000 |
| Peoples Savings Bank 400 E IOWA AVE INDIANOLA, IA 50125 |
* | $ 494,712,000 | 2 | $ 450,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 410,000 |
| Farmers & Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ 226,374,000 | 1 | $ 135,000 |
| Flexpoint, Inc. 27433 TOURNEY ROAD, SUITE 150 COSTA MESA, CA 92626 |
* | $ -1,000 | 1 | $ 125,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 145,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 377,481,000 | 1 | $ 95,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 275,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 175,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 75,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 656,786,000 | 1 | $ 75,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 1 | $ 105,000 |
| Contract Exchange Corporation 425 2ND ST SE #370 CEDAR RAPIDS, IA 52401 |
* | $ -1,000 | 1 | $ 135,000 |
| Notre Dame Federal Credit Union P.O. BOX 7878 NOTRE DAME, IN 46556 |
* | $ 1,101,839,000 | 1 | $ 65,000 |
| Central State Bank 109 W MAIN ST STATE CENTER, IA 50247 |
* | $ 443,289,000 | 1 | $ 105,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 245,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 355,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 175,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 125,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 25,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ 545,162,000 | 1 | $ 105,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Fidelity Bank 302 MAIN ST SAVANNA, IL 61074 |
* | $ 109,549,000 | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 45,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 155,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 125,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 465,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 365,000 |
| Verimore Bank PO BOX 190 BROOKFIELD, MO 64628 |
* | $ 452,884,000 | 1 | $ 55,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 45,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 797,643,000 | 1 | $ 35,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 155,000 |
| Peoples Bank 12701 UNIVERSITY AVE CLIVE, IA 50325 |
* | $ 447,074,000 | 1 | $ 15,000 |
The tables below break down 2023 mortgage applications in Decatur 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 Decatur 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 | 120 | $20,940,000 | $174,000 | $465,000 | $104,000 | $839,000 |
| Cash-out Refinancing | 21 | $2,405,000 | $114,000 | $275,000 | $58,000 | $93,000 |
| Refinancing | 19 | $1,815,000 | $95,000 | $235,000 | $78,000 | $141,000 |
| Home Improvement | 18 | $1,030,000 | $57,000 | $105,000 | $110,000 | $621,000 |
| Other Purpose | 12 | $510,000 | $42,000 | $85,000 | $65,000 | $146,000 |
| 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 | 160 | $21,690,000 | $135,000 | $465,000 | $95,000 | $839,000 |
| Not applicable | 12 | $2,800,000 | $233,000 | $465,000 | $0 | $0 |
| Not Provided | 12 | $1,520,000 | $126,000 | $365,000 | $82,000 | $212,000 |
| Hispanic | 4 | $460,000 | $115,000 | $155,000 | $80,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $78,000 | $78,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $43,000 | $43,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 142 | $17,400,000 | $122,000 | $445,000 | $97,000 | $839,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,695,000 | $204,000 | $465,000 | $91,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,240,000 | $192,000 | $365,000 | $79,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $365,000 | $121,000 | $155,000 | $54,000 | $58,000 |
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 | 116 | $16,090,000 | $138,000 | $465,000 | $99,000 | $839,000 |
| Application Denied By Financial Institution | 26 | $3,080,000 | $118,000 | $395,000 | $68,000 | $212,000 |
| Application Withdrawn By Applicant | 25 | $3,605,000 | $144,000 | $365,000 | $106,000 | $621,000 |
| File Closed For Incompleteness | 11 | $1,175,000 | $106,000 | $175,000 | $78,000 | $125,000 |
| Loan Purchased By The Institution | 8 | $2,350,000 | $293,000 | $465,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $400,000 | $100,000 | $145,000 | $64,000 | $93,000 |
| 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 | 130 | $19,290,000 | $148,000 | $465,000 | $92,000 | $621,000 |
| Debt-To-Income Ratio | 45 | $5,945,000 | $132,000 | $445,000 | $108,000 | $839,000 |
| Collateral | 8 | $1,020,000 | $127,000 | $255,000 | $79,000 | $212,000 |
| Credit History | 4 | $170,000 | $42,000 | $85,000 | $32,000 | $42,000 |
| Credit Application Incomplete | 3 | $275,000 | $91,000 | $105,000 | $81,000 | $102,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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