Decatur County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 160 mortgage applications in Decatur County, IA totaling $19.5 million, down 16% from 2023. The average application was for $122,000, and applicants reported an average income of $81,000. 58% of applications resulted in an originated loan and 21% were denied. The most active lender was Community 1st Credit Union, with 17 applications, followed by Btc Bank and First National Bank Ames Iowa.
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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 | 160 |
| Total Mortgage Loan Application Amount | $19,520,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $639,000 |
| 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 |
* | $ n/a | 17 | $ 1,395,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ n/a | 13 | $ 1,405,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ n/a | 10 | $ 930,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 9 | $ 535,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 8 | $ 1,040,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 7 | $ 585,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 6 | $ 310,000 |
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ n/a | 6 | $ 1,100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 860,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 850,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 320,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 295,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 485,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 165,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 655,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 425,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 310,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 210,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 50,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 60,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 2 | $ 100,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 2 | $ 210,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 30,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 100,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ n/a | 2 | $ 1,030,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 230,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 120,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 165,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ n/a | 1 | $ 365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 165,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 1 | $ 135,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 165,000 |
| R.I.A. Federal Credit Union PO BOX 4750 BETTENDORF, IA 52722 |
* | $ n/a | 1 | $ 45,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 125,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 1 | $ 65,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 85,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 215,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 1 | $ 195,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 375,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 485,000 |
| Security State Bank 109 W 2ND ST SUTHERLAND, IA 51058 |
* | $ n/a | 1 | $ 35,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 105,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 205,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 1 | $ 135,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 75,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ n/a | 1 | $ 1,165,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 415,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 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 2024
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 | 80 | $11,870,000 | $148,000 | $1,165,000 | $88,000 | $639,000 |
| Refinancing | 31 | $4,205,000 | $135,000 | $545,000 | $83,000 | $166,000 |
| Home Improvement | 19 | $905,000 | $47,000 | $205,000 | $74,000 | $207,000 |
| Cash-out Refinancing | 17 | $1,955,000 | $115,000 | $325,000 | $56,000 | $120,000 |
| Other Purpose | 13 | $585,000 | $45,000 | $105,000 | $69,000 | $115,000 |
| 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 | 128 | $14,240,000 | $111,000 | $415,000 | $84,000 | $639,000 |
| Not Provided | 13 | $1,325,000 | $101,000 | $485,000 | $58,000 | $156,000 |
| Not applicable | 10 | $2,920,000 | $292,000 | $1,165,000 | $156,000 | $156,000 |
| Hispanic | 7 | $875,000 | $125,000 | $365,000 | $68,000 | $109,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $85,000 | $35,000 | $55,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 121 | $13,995,000 | $115,000 | $1,165,000 | $86,000 | $639,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,705,000 | $137,000 | $415,000 | $65,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,695,000 | $154,000 | $375,000 | $53,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $47,000 | $47,000 |
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 | 93 | $12,425,000 | $133,000 | $1,165,000 | $87,000 | $639,000 |
| Application Denied By Financial Institution | 34 | $3,320,000 | $97,000 | $415,000 | $60,000 | $207,000 |
| Application Withdrawn By Applicant | 16 | $1,590,000 | $99,000 | $225,000 | $79,000 | $157,000 |
| File Closed For Incompleteness | 6 | $620,000 | $103,000 | $235,000 | $89,000 | $167,000 |
| Loan Purchased By The Institution | 6 | $1,070,000 | $178,000 | $485,000 | $156,000 | $156,000 |
| Application Approved But Not Accepted | 5 | $495,000 | $99,000 | $195,000 | $90,000 | $148,000 |
| 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 | 107 | $12,725,000 | $118,000 | $545,000 | $85,000 | $639,000 |
| Debt-To-Income Ratio | 26 | $4,150,000 | $159,000 | $1,165,000 | $86,000 | $305,000 |
| Credit History | 9 | $705,000 | $78,000 | $165,000 | $65,000 | $115,000 |
| Collateral | 6 | $520,000 | $86,000 | $185,000 | $52,000 | $110,000 |
| Credit Application Incomplete | 4 | $560,000 | $140,000 | $415,000 | $32,000 | $58,000 |
| Other | 4 | $580,000 | $145,000 | $265,000 | $105,000 | $207,000 |
| Unverifiable Information | 3 | $185,000 | $61,000 | $125,000 | $40,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $29,000 | $29,000 |
| 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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