Fremont County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 253 mortgage applications in Fremont County, IA totaling $34.6 million, down 32% from 2021. The average application was for $136,000, and applicants reported an average income of $77,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was First Interstate Bank, with 17 applications, followed by PennyMac Loan Services LLC and Glenwood 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 | 253 |
| Total Mortgage Loan Application Amount | $34,595,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $570,000 |
Top Mortgage Lenders in Fremont County, IA (2022)
Ranked by the number of mortgage applications each lender reported in Fremont County, IA in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | First Interstate Bank Billings, MT |
17 | $1,785,000 | $105,000 | $63,000 |
| 2 | PennyMac Loan Services LLC Westlake Village, CA |
14 | $2,260,000 | $161,000 | $66,000 |
| 3 | Glenwood State Bank Glenwood, IA |
13 | $1,385,000 | $106,000 | $72,000 |
| 4 | Arbor Bank Nebraska City, NE |
12 | $1,720,000 | $143,000 | $66,000 |
| 5 | Bank Iowa West Des Moines, IA |
11 | $1,585,000 | $144,000 | $80,000 |
| 6 | Centris Federal Credit Union Omaha, NE |
9 | $1,095,000 | $121,000 | $71,000 |
| 7 | Flanagan State Bank Flanagan, IL |
9 | $1,335,000 | $148,000 | $60,000 |
| 8 | First National Bank of Omaha Omaha, NE |
7 | $865,000 | $123,000 | $89,000 |
| 9 | Castle & Cooke Mortgage, LLC Draper, UT |
7 | $825,000 | $117,000 | $67,000 |
| 10 | Iowa Bankers Mortgage Corporation Johnston, IA |
7 | $1,425,000 | $203,000 | $100,000 |
The tables below break down 2022 mortgage applications in Fremont 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 Fremont County, IA in 2022
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 | 117 | $17,795,000 | $152,000 | $595,000 | $74,000 | $206,000 |
| Cash-out Refinancing | 50 | $7,300,000 | $146,000 | $585,000 | $85,000 | $570,000 |
| Refinancing | 42 | $6,530,000 | $155,000 | $525,000 | $85,000 | $245,000 |
| Home Improvement | 28 | $1,410,000 | $50,000 | $115,000 | $70,000 | $170,000 |
| Other Purpose | 16 | $1,560,000 | $97,000 | $405,000 | $62,000 | $128,000 |
| 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 | 187 | $25,525,000 | $136,000 | $595,000 | $78,000 | $570,000 |
| Not Provided | 32 | $4,260,000 | $133,000 | $585,000 | $77,000 | $206,000 |
| Not applicable | 24 | $3,620,000 | $150,000 | $315,000 | $34,000 | $34,000 |
| Hispanic | 7 | $805,000 | $115,000 | $235,000 | $65,000 | $96,000 |
| American Indian or Alaskan Native | 3 | $385,000 | $128,000 | $155,000 | $56,000 | $88,000 |
| 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) | 169 | $21,935,000 | $129,000 | $595,000 | $81,000 | $570,000 |
| FHA-insured (Federal Housing Administration) | 46 | $6,290,000 | $136,000 | $525,000 | $63,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,895,000 | $125,000 | $235,000 | $55,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,475,000 | $231,000 | $585,000 | $99,000 | $203,000 |
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 | 151 | $20,455,000 | $135,000 | $595,000 | $77,000 | $245,000 |
| Application Denied By Financial Institution | 38 | $4,470,000 | $117,000 | $315,000 | $56,000 | $170,000 |
| Application Withdrawn By Applicant | 35 | $5,435,000 | $155,000 | $585,000 | $96,000 | $570,000 |
| Loan Purchased By The Institution | 22 | $3,250,000 | $147,000 | $305,000 | $34,000 | $34,000 |
| Application Approved But Not Accepted | 4 | $540,000 | $135,000 | $205,000 | $91,000 | $111,000 |
| File Closed For Incompleteness | 3 | $445,000 | $148,000 | $205,000 | $112,000 | $140,000 |
| 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 | 202 | $28,740,000 | $142,000 | $595,000 | $82,000 | $570,000 |
| Debt-To-Income Ratio | 25 | $3,325,000 | $133,000 | $405,000 | $62,000 | $134,000 |
| Credit History | 15 | $1,255,000 | $83,000 | $165,000 | $58,000 | $170,000 |
| Collateral | 6 | $770,000 | $128,000 | $315,000 | $63,000 | $86,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $175,000 | $56,000 | $134,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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