Delaware County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,093 mortgage applications in Delaware County, IA totaling $136.8 million, up 41% from 2011. The average application was for $125,000, and applicants reported an average income of $78,000. 81% of applications resulted in an originated loan and 9% were denied. The most active lender was Community Savings Bank, with 251 applications, followed by Farmers & Merchants Savings Bank and Citizens State 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 | 1,093 |
| Total Mortgage Loan Application Amount | $136,810,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $2,006,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $908,000 |
* 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 Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 317,946,000 | 251 | $ 26,678,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 336,476,000 | 144 | $ 18,027,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 316,782,000 | 135 | $ 23,352,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 975,137,000 | 116 | $ 10,810,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 560,055,000 | 47 | $ 8,431,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 196,336,000 | 46 | $ 5,651,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 860,893,000 | 43 | $ 6,257,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 36 | $ 4,068,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 28 | $ 3,570,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 24 | $ 3,005,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 18 | $ 2,402,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,505,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 12 | $ 1,366,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,382,225,000 | 12 | $ 2,776,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 8 | $ 469,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 7 | $ 649,000 |
| Nxt Bank 320 3RD ST SE CEDAR RAPIDS, IA 52401 |
* | $ 131,101,000 | 7 | $ 381,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 6 | $ 844,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 6 | $ 1,911,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 821,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 385,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 5 | $ 383,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 514,639,000 | 5 | $ 347,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 464,395,000 | 5 | $ 314,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 624,527,000 | 5 | $ 328,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 374,642,000 | 4 | $ 280,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 1,422,343,000 | 4 | $ 418,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 4 | $ 481,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 4 | $ 229,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 491,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 377,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 3 | $ 183,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 3 | $ 320,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 560,076,000 | 3 | $ 247,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 555,000 |
| Corda Credit Union 3015 BLAIRS FERRY RD NE CEDAR RAPIDS, IA 52402 |
* | $ 284,341,000 | 2 | $ 182,000 |
| Atkins Savings Bank & Trust 97 MAIN AVE PO BOX 176 ATKINS, IA 52206 |
* | $ 69,800,000 | 2 | $ 202,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 287,837,000 | 2 | $ 736,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 208,000 |
| Ohnward Bank & Trust 332 1ST AVE W CASCADE, IA 52033 |
* | $ 188,835,000 | 2 | $ 327,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 2,018,333,000 | 2 | $ 242,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 515,461,000 | 2 | $ 165,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 265,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 77,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 257,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 94,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 204,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ 10,000,000 | 2 | $ 201,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 316,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 2 | $ 664,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 288,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 193,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 1 | $ 96,000 |
| Vectra Bank Colorado, NA 7800 E. DORADO PLACE, SUITE 100 GREENWOOD VILLAGE, CO 80111 |
* | $ 2,356,862,000 | 1 | $ 8,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 46,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 60,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 100,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 120,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 191,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Keystone Savings Bank 81 MAIN STREET, PO BOX 367 KEYSTONE, IA 52249 |
* | $ 77,073,000 | 1 | $ 148,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 236,027,000 | 1 | $ 43,000 |
| Bridge Community Bank 405 E 5TH STREET PO BOX 580 SOLON, IA 52333 |
* | $ 68,248,000 | 1 | $ 117,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 51,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 133,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 130,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 196,000 |
| Bankers Trust Company 453 7TH STREET DES MOINES, IA 50309 |
* | $ 398,219,000 | 1 | $ 107,000 |
| Readlyn Savings Bank 141 MAIN STREET PO BOX 40 READLYN, IA 50668 |
* | $ 58,506,000 | 1 | $ 115,000 |
| East Dubuque Savings Bank 475 CEDAR CROSS ROAD DUBUQUE, IA 52003 |
* | $ 164,853,000 | 1 | $ 275,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 80,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 59,000 |
The tables below break down 2012 mortgage applications in Delaware 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 Delaware County, IA in 2012
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 | 789 | $108,836,000 | $137,000 | $2,006,000 | $84,000 | $908,000 |
| Home Purchase | 226 | $24,311,000 | $107,000 | $368,000 | $63,000 | $391,000 |
| Home Improvement | 78 | $3,663,000 | $46,000 | $252,000 | $66,000 | $249,000 |
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 | 1,041 | $129,246,000 | $124,000 | $2,006,000 | $81,000 | $908,000 |
| Not applicable | 26 | $5,252,000 | $202,000 | $1,200,000 | $4,000 | $98,000 |
| Not Provided | 21 | $1,918,000 | $91,000 | $191,000 | $50,000 | $98,000 |
| Hispanic | 5 | $394,000 | $78,000 | $83,000 | $39,000 | $57,000 |
| 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) | 957 | $115,952,000 | $121,000 | $2,006,000 | $81,000 | $908,000 |
| FHA-insured (Federal Housing Administration) | 59 | $6,048,000 | $102,000 | $239,000 | $39,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $10,490,000 | $201,000 | $1,214,000 | $77,000 | $688,000 |
| VA-guaranteed (Veterans Administration) | 25 | $4,320,000 | $172,000 | $408,000 | $56,000 | $136,000 |
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 | 880 | $114,169,000 | $129,000 | $2,006,000 | $85,000 | $908,000 |
| Application Denied By Financial Institution | 99 | $9,786,000 | $98,000 | $368,000 | $48,000 | $352,000 |
| Application Withdrawn By Applicant | 40 | $4,620,000 | $115,000 | $368,000 | $70,000 | $248,000 |
| Loan Purchased By The Institution | 38 | $4,428,000 | $116,000 | $255,000 | $28,000 | $163,000 |
| Application Approved But Not Accepted | 23 | $2,649,000 | $115,000 | $408,000 | $79,000 | $350,000 |
| File Closed For Incompleteness | 13 | $1,158,000 | $89,000 | $180,000 | $48,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 32 | $2,205,000 | $68,000 | $230,000 | $46,000 | $97,000 |
| Debt-To-Income Ratio | 20 | $2,396,000 | $119,000 | $330,000 | $39,000 | $95,000 |
| Collateral | 11 | $1,710,000 | $155,000 | $368,000 | $78,000 | $352,000 |
| Other | 6 | $485,000 | $80,000 | $130,000 | $53,000 | $143,000 |
| Credit Application Incomplete | 4 | $429,000 | $107,000 | $172,000 | $48,000 | $101,000 |
| Unverifiable Information | 3 | $380,000 | $126,000 | $180,000 | $58,000 | $80,000 |
| Employment History | 2 | $293,000 | $146,000 | $236,000 | $30,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $87,000 | $87,000 | $87,000 | $117,000 | $117,000 |
| 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.
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