Delaware County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 823 mortgage applications in Delaware County, IA totaling $108.9 million, up 20% from 2015. The average application was for $132,000, and applicants reported an average income of $88,000. 72% of applications resulted in an originated loan and 13% were denied. The most active lender was Community Savings Bank, with 146 applications, followed by Citizens State Bank and Dupaco Community 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 | 823 |
| Total Mortgage Loan Application Amount | $108,937,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $1,204,000 |
* 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 |
* | $ 385,750,000 | 146 | $ 13,529,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 368,357,000 | 104 | $ 16,684,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,339,209,000 | 78 | $ 9,189,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 533,281,000 | 69 | $ 12,069,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 356,249,000 | 51 | $ 7,287,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 772,507,000 | 44 | $ 9,211,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 924,526,000 | 36 | $ 3,259,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 1,044,063,000 | 29 | $ 3,744,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 28 | $ 4,644,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,952,894,000 | 19 | $ 1,508,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 17 | $ 2,035,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 15 | $ 2,059,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 11 | $ 1,634,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 3,195,095,000 | 11 | $ 1,356,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 693,061,000 | 8 | $ 814,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 8 | $ 1,261,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 8 | $ 1,094,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 697,989,000 | 8 | $ 1,157,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,617,322,000 | 7 | $ 676,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 655,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 681,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 561,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 4 | $ 486,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 372,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 623,440,000 | 4 | $ 354,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 2,492,054,000 | 3 | $ 508,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 650,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 3 | $ 353,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 784,567,000 | 3 | $ 184,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 3 | $ 1,313,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 3 | $ 263,000 |
| Ohnward Bank & Trust 332 1ST AVE W CASCADE, IA 52033 |
* | $ 228,967,000 | 3 | $ 622,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 2 | $ 64,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 116,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 114,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ 10,000,000 | 2 | $ 295,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 361,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 322,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 625,382,000 | 2 | $ 174,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 356,249,000 | 2 | $ 255,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 162,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 95,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Central State Bank 805 22ND AVE CORALVILLE, IA 52241 |
* | $ 221,920,000 | 1 | $ 130,000 |
| First Federal Credit Union 425 1ST AVE SW CEDAR RAPIDS, IA 52405 |
* | $ 114,754,000 | 1 | $ 46,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 476,220,000 | 1 | $ 238,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 150,024,000 | 1 | $ 31,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 166,835,000 | 1 | $ 95,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ 100,000,000 | 1 | $ 159,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 192,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 112,993,000 | 1 | $ 150,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 36,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 862,680,000 | 1 | $ 136,000 |
| Corda Credit Union 3015 BLAIRS FERRY RD NE CEDAR RAPIDS, IA 52402 |
* | $ 366,047,000 | 1 | $ 28,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 776,136,000 | 1 | $ 98,000 |
| Premier Bank 2625 NW ARTERIAL DUBUQUE, IA 52002 |
* | $ 281,481,000 | 1 | $ 173,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 27,567,209,000 | 1 | $ 60,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 77,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 165,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 416,598,000 | 1 | $ 80,000 |
| Readlyn Savings Bank 141 MAIN STREET PO BOX 40 READLYN, IA 50668 |
* | $ 72,654,000 | 1 | $ 101,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 57,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 316,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,958,614,000 | 1 | $ 121,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 564,882,000 | 1 | $ 87,000 |
| Citizens State Bank 114 W MAIN ST, PO BOX 198 WYOMING, IA 52362 |
* | $ 97,312,000 | 1 | $ 346,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 92,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 11,846,211,000 | 1 | $ 167,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 101,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 206,674,000 | 1 | $ 80,000 |
The tables below break down 2016 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 2016
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 | 436 | $69,800,000 | $160,000 | $1,355,000 | $102,000 | $1,204,000 |
| Home Purchase | 308 | $35,903,000 | $116,000 | $506,000 | $72,000 | $841,000 |
| Home Improvement | 79 | $3,234,000 | $40,000 | $259,000 | $73,000 | $256,000 |
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 | 747 | $98,942,000 | $132,000 | $1,355,000 | $93,000 | $1,204,000 |
| Not applicable | 45 | $6,194,000 | $137,000 | $1,205,000 | $5,000 | $117,000 |
| Not Provided | 20 | $2,247,000 | $112,000 | $300,000 | $80,000 | $496,000 |
| Hispanic | 6 | $688,000 | $114,000 | $265,000 | $82,000 | $134,000 |
| American Indian or Alaskan Native | 2 | $276,000 | $138,000 | $201,000 | $76,000 | $118,000 |
| Asian | 2 | $525,000 | $262,000 | $300,000 | $179,000 | $235,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $43,000 | $43,000 |
| 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) | 699 | $91,904,000 | $131,000 | $1,355,000 | $91,000 | $1,204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $8,417,000 | $145,000 | $837,000 | $91,000 | $1,081,000 |
| FHA-insured (Federal Housing Administration) | 40 | $4,271,000 | $106,000 | $211,000 | $41,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,345,000 | $167,000 | $526,000 | $71,000 | $176,000 |
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 | 589 | $79,651,000 | $135,000 | $1,355,000 | $96,000 | $1,204,000 |
| Application Denied By Financial Institution | 105 | $12,843,000 | $122,000 | $540,000 | $73,000 | $634,000 |
| Application Withdrawn By Applicant | 51 | $6,699,000 | $131,000 | $395,000 | $83,000 | $212,000 |
| Loan Purchased By The Institution | 39 | $5,728,000 | $146,000 | $698,000 | $34,000 | $393,000 |
| Application Approved But Not Accepted | 34 | $3,291,000 | $96,000 | $300,000 | $69,000 | $496,000 |
| File Closed For Incompleteness | 5 | $725,000 | $145,000 | $344,000 | $108,000 | $201,000 |
| 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 | 20 | $1,905,000 | $95,000 | $172,000 | $59,000 | $132,000 |
| Debt-To-Income Ratio | 18 | $1,948,000 | $108,000 | $292,000 | $65,000 | $172,000 |
| Collateral | 7 | $1,011,000 | $144,000 | $316,000 | $73,000 | $109,000 |
| Other | 5 | $548,000 | $109,000 | $143,000 | $67,000 | $87,000 |
| Credit Application Incomplete | 4 | $333,000 | $83,000 | $97,000 | $48,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $232,000 | $77,000 | $137,000 | $77,000 | $104,000 |
| Employment History | 1 | $77,000 | $77,000 | $77,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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