Emmet County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 191 mortgage applications in Emmet County, IA totaling $101.4 million, down 20% from 2012. The average application was for $530,000, and applicants reported an average income of $60,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Northwest Bank, with 47 applications, followed by Iowa Bankers Mortgage Corporation and Wells Fargo Bank NA.
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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 | 191 |
| Total Mortgage Loan Application Amount | $101,355,000 |
| Average Mortgage Loan Application Amount | $530,000 |
| Highest Mortgage Loan Application Amount | $84,065,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $329,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 47 | $ 4,112,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 33 | $ 3,733,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 15 | $ 825,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 13 | $ 1,062,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 11 | $ 715,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 6 | $ 345,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 153,979,000 | 6 | $ 607,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 6 | $ 542,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 287,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 287,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 3 | $ 192,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 222,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 354,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 159,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 244,210,000 | 2 | $ 131,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 962,277,000 | 2 | $ 144,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 96,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 72,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 149,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ 1,270,503,000 | 1 | $ 168,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 100,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 135,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 421,754,000 | 1 | $ 56,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 261,399,000 | 1 | $ 74,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 80,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 91,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 84,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 259,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 266,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 149,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 84,065,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 164,424,000 | 1 | $ 114,000 |
| Auto Club Trust, FSB 1 AUTO CLUB DRIVE DEARBORN, MI 48126 |
* | $ 70,848,000 | 1 | $ 70,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 250,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 165,000 |
The tables below break down 2013 mortgage applications in Emmet 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 Emmet County, IA in 2013
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 | 107 | $94,341,000 | $881,000 | $84,065,000 | $65,000 | $329,000 |
| Home Purchase | 80 | $6,788,000 | $84,000 | $168,000 | $53,000 | $273,000 |
| Home Improvement | 4 | $226,000 | $56,000 | $120,000 | $54,000 | $84,000 |
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 | 162 | $15,405,000 | $95,000 | $443,000 | $64,000 | $329,000 |
| Not applicable | 12 | $84,778,000 | $7,064,000 | $84,065,000 | $14,000 | $75,000 |
| Not Provided | 11 | $680,000 | $61,000 | $109,000 | $59,000 | $125,000 |
| Hispanic | 4 | $338,000 | $84,000 | $147,000 | $42,000 | $67,000 |
| American Indian or Alaskan Native | 2 | $154,000 | $77,000 | $77,000 | $46,000 | $46,000 |
| 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) | 132 | $11,894,000 | $90,000 | $443,000 | $69,000 | $329,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,111,000 | $81,000 | $165,000 | $39,000 | $56,000 |
| FHA-insured (Federal Housing Administration) | 25 | $86,115,000 | $3,444,000 | $84,065,000 | $28,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,235,000 | $154,000 | $266,000 | $68,000 | $152,000 |
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 | 114 | $11,058,000 | $97,000 | $443,000 | $64,000 | $329,000 |
| Application Denied By Financial Institution | 29 | $1,893,000 | $65,000 | $157,000 | $45,000 | $90,000 |
| Loan Purchased By The Institution | 28 | $86,249,000 | $3,080,000 | $84,065,000 | $37,000 | $152,000 |
| Application Withdrawn By Applicant | 10 | $1,114,000 | $111,000 | $266,000 | $78,000 | $161,000 |
| Application Approved But Not Accepted | 7 | $653,000 | $93,000 | $220,000 | $103,000 | $273,000 |
| File Closed For Incompleteness | 3 | $388,000 | $129,000 | $250,000 | $70,000 | $125,000 |
| 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 | 12 | $524,000 | $43,000 | $82,000 | $40,000 | $83,000 |
| Collateral | 5 | $385,000 | $77,000 | $108,000 | $53,000 | $90,000 |
| Debt-To-Income Ratio | 2 | $58,000 | $29,000 | $30,000 | $22,000 | $34,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $154,000 | $154,000 | $154,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $74,000 | $74,000 | $74,000 | $33,000 | $33,000 |
| Other | 1 | $69,000 | $69,000 | $69,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $157,000 | $157,000 | $157,000 | $46,000 | $46,000 |
| 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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