Hardin County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 402 mortgage applications in Hardin County, IA totaling $47.2 million, down 16% from 2022. The average application was for $117,000, and applicants reported an average income of $79,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Green Belt Bank & Trust, with 56 applications, followed by Veridian Credit Union and Greenstate 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 | 402 |
| Total Mortgage Loan Application Amount | $47,220,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $363,000 |
* 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 |
|---|---|---|---|---|
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 643,520,000 | 56 | $ 6,500,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 37 | $ 3,175,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 30 | $ 3,080,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 25 | $ 2,615,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 630,557,000 | 23 | $ 3,065,000 |
| Peoples Savings Bank 414 N ADAMS ST WELLSBURG, IA 50680 |
* | $ 149,233,000 | 18 | $ 1,480,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 2,030,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 10 | $ 1,150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 8 | $ 1,140,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,000,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 945,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 840,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 6 | $ 730,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 1,995,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ 130,015,000 | 5 | $ 465,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 4 | $ 480,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 680,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 4 | $ 570,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 656,786,000 | 4 | $ 250,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 3,010,410,000 | 4 | $ 350,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 4 | $ 90,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 305,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 515,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 65,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 303,001,000 | 3 | $ 245,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 237,023,000 | 3 | $ 205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 395,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 425,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 215,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 195,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 2 | $ 220,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 150,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 300,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 2 | $ 210,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 310,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 2 | $ 180,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 240,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 160,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 2 | $ 70,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,471,026,000 | 2 | $ 110,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 2 | $ 370,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 180,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 300,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 689,237,000 | 2 | $ 500,000 |
| Ohnward Bank and Trust 332 1ST AVE W CASCADE, IA 52033 |
* | $ 391,537,000 | 1 | $ 35,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 1 | $ 85,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 205,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 55,000 |
| State Savings Bank 4800 MILLS CIVIC PKWY., STE. 100 WEST DES MOINES, IA 50265 |
* | $ 198,557,000 | 1 | $ 85,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 681,375,000 | 1 | $ 75,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 315,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,574,512,000 | 1 | $ 235,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 235,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 95,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 2,170,479,000 | 1 | $ 115,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 755,877,000 | 1 | $ 405,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 534,540,000 | 1 | $ 85,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 215,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 105,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 2,035,629,000 | 1 | $ 25,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 1 | $ 145,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 145,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 155,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 287,084,000 | 1 | $ 65,000 |
| Shelby County State Bank 508 COURT ST HARLAN, IA 51537 |
* | $ 544,033,000 | 1 | $ 125,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 1,333,552,000 | 1 | $ 145,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 797,643,000 | 1 | $ 25,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 6,224,510,000 | 1 | $ 15,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 35,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 235,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 165,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 445,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 85,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 65,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 65,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 7,845,713,000 | 1 | $ 55,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 180,423,000 | 1 | $ 65,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 642,549,000 | 1 | $ 195,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2023 mortgage applications in Hardin 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 Hardin County, IA in 2023
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 | 265 | $34,335,000 | $129,000 | $565,000 | $80,000 | $363,000 |
| Cash-out Refinancing | 42 | $5,100,000 | $121,000 | $405,000 | $83,000 | $200,000 |
| Refinancing | 39 | $5,035,000 | $129,000 | $505,000 | $79,000 | $182,000 |
| Other Purpose | 29 | $1,315,000 | $45,000 | $135,000 | $74,000 | $178,000 |
| Home Improvement | 27 | $1,435,000 | $53,000 | $235,000 | $74,000 | $201,000 |
| 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 | 297 | $34,895,000 | $117,000 | $565,000 | $81,000 | $363,000 |
| Not applicable | 55 | $6,635,000 | $120,000 | $335,000 | $0 | $0 |
| Not Provided | 23 | $2,645,000 | $115,000 | $285,000 | $74,000 | $166,000 |
| Hispanic | 17 | $1,605,000 | $94,000 | $225,000 | $53,000 | $83,000 |
| American Indian or Alaskan Native | 4 | $330,000 | $82,000 | $145,000 | $40,000 | $54,000 |
| Asian | 4 | $950,000 | $237,000 | $315,000 | $166,000 | $263,000 |
| Black or African American | 2 | $160,000 | $80,000 | $155,000 | $48,000 | $48,000 |
| 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) | 306 | $33,440,000 | $109,000 | $565,000 | $82,000 | $363,000 |
| FHA-insured (Federal Housing Administration) | 48 | $5,910,000 | $123,000 | $405,000 | $66,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 32 | $6,230,000 | $194,000 | $445,000 | $81,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,640,000 | $102,000 | $265,000 | $60,000 | $100,000 |
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 | 228 | $26,540,000 | $116,000 | $565,000 | $82,000 | $363,000 |
| Application Denied By Financial Institution | 59 | $5,955,000 | $100,000 | $365,000 | $67,000 | $230,000 |
| Application Withdrawn By Applicant | 54 | $7,080,000 | $131,000 | $505,000 | $78,000 | $300,000 |
| Loan Purchased By The Institution | 36 | $5,380,000 | $149,000 | $335,000 | $131,000 | $263,000 |
| File Closed For Incompleteness | 12 | $1,250,000 | $104,000 | $405,000 | $100,000 | $200,000 |
| Application Approved But Not Accepted | 12 | $990,000 | $82,000 | $295,000 | $78,000 | $178,000 |
| Preapproval Denied by Financial Institution | 1 | $25,000 | $25,000 | $25,000 | $5,000 | $5,000 |
| Preapproval Approved but not Accepted | 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 | 262 | $31,820,000 | $121,000 | $565,000 | $81,000 | $363,000 |
| Debt-To-Income Ratio | 107 | $12,225,000 | $114,000 | $405,000 | $77,000 | $255,000 |
| Collateral | 11 | $1,325,000 | $120,000 | $355,000 | $79,000 | $191,000 |
| Credit History | 9 | $715,000 | $79,000 | $255,000 | $37,000 | $90,000 |
| Other | 5 | $345,000 | $69,000 | $185,000 | $86,000 | $135,000 |
| Credit Application Incomplete | 3 | $265,000 | $88,000 | $115,000 | $164,000 | $230,000 |
| Employment History | 3 | $195,000 | $65,000 | $155,000 | $89,000 | $201,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $225,000 | $225,000 | $225,000 | $25,000 | $25,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $29,000 | $29,000 |
| 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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