Howard County, IA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 335 mortgage applications in Howard County, IA totaling $24.8 million, up 1% from 2004. The average application was for $74,000, and applicants reported an average income of $41,000. 38% of applications resulted in an originated loan and 25% were denied. The most active lender was Community Financial Grp Mort, with 29 applications, followed by Ameriquest Mortgage Company 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 | 335 |
| Total Mortgage Loan Application Amount | $24,798,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $274,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $652,000 |
* 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 Financial Grp Mort 101 FALLS RD GRAFTON, WI 53024 |
* | $ 1,355,846,000 | 29 | $ 2,770,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 21 | $ 1,604,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 18 | $ 1,174,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 16 | $ 1,099,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 15 | $ 953,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 14 | $ 1,097,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 14 | $ 1,015,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 11 | $ 702,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 833,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 556,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 8 | $ 520,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 8 | $ 675,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 8 | $ 660,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 6 | $ 311,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 957,466,000 | 6 | $ 654,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 5 | $ 270,000 |
| Think Federal Credit Union 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,145,347,000 | 5 | $ 310,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 38,766,882,000 | 5 | $ 88,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 5 | $ 454,000 |
| First State Bank Iowa 22 WEST MAIN ST - PO BOX 306 NEW HAMPTON, IA 50659 |
* | $ 48,280,000 | 5 | $ 260,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 211,857,000 | 5 | $ 400,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 4 | $ 289,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 4 | $ 182,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 4 | $ 260,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 194,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 4 | $ 222,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 483,291,000 | 4 | $ 279,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 3 | $ 39,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 3 | $ 422,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 201,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 143,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 3 | $ 75,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 3 | $ 339,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 3 | $ 132,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 251,264,000 | 3 | $ 228,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 3 | $ 331,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 2 | $ 78,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 82,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 2 | $ 108,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 95,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 241,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 189,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 2 | $ 137,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 272,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 2 | $ 145,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 2 | $ 94,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 2 | $ 170,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 45,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,023,481,000 | 1 | $ 100,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 1 | $ 84,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 1 | $ 51,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 1,487,105,000 | 1 | $ 151,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 138,296,274,000 | 1 | $ 25,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 1,292,000 | 1 | $ 87,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 1 | $ 115,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,250,504,000 | 1 | $ 87,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,092,666,000 | 1 | $ 51,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 70,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Summit Mortgage 510 INDEPENDENCE PARKWAY, SUITE 200 CHESAPEAKE, VA 23320 |
* | $ 220,267,000 | 1 | $ 41,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 1 | $ 129,000 |
| Rushford State Bank 219 SOUTH MILL STREET PO BOX 648 RUSHFORD, MN 55971 |
* | $ 35,458,000 | 1 | $ 160,000 |
| Sunward 3707 JUAN TABO NE ALBUQUERQUE, NM 87109 |
* | $ 922,193,000 | 1 | $ 56,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 32,105,960,000 | 1 | $ 45,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 260,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,063,813,000 | 1 | $ 50,000 |
| Bridge Capital Corporation 27121 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 114,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 1 | $ 66,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 1 | $ 58,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 1 | $ 47,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 1 | $ 130,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 85,000 |
| Fortress Bank NA 108 CEDAR ST HOUSTON, MN 55943 |
* | $ 55,445,000 | 1 | $ 12,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,913,935,000 | 1 | $ 115,000 |
| First Capital Financial Servic 5600 W. GRANDE MARKET DRIVE APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 137,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 55,000 |
The tables below break down 2005 mortgage applications in Howard 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 Howard County, IA in 2005
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 | 177 | $14,633,000 | $82,000 | $274,000 | $46,000 | $652,000 |
| Home Purchase | 136 | $9,565,000 | $70,000 | $260,000 | $35,000 | $463,000 |
| Home Improvement | 22 | $600,000 | $27,000 | $78,000 | $39,000 | $63,000 |
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 | 278 | $20,807,000 | $74,000 | $274,000 | $44,000 | $652,000 |
| Not Provided | 36 | $2,484,000 | $69,000 | $147,000 | $40,000 | $274,000 |
| Not applicable | 17 | $1,278,000 | $75,000 | $260,000 | $7,000 | $48,000 |
| Hispanic | 2 | $69,000 | $34,000 | $51,000 | $63,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $22,000 | $22,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $52,000 | $52,000 |
| 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) | 311 | $23,101,000 | $74,000 | $274,000 | $42,000 | $652,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,290,000 | $67,000 | $140,000 | $25,000 | $44,000 |
| FHA-insured (Federal Housing Administration) | 3 | $165,000 | $55,000 | $64,000 | $9,000 | $28,000 |
| VA-guaranteed (Veterans Administration) | 2 | $242,000 | $121,000 | $121,000 | $21,000 | $42,000 |
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 | 126 | $9,618,000 | $76,000 | $274,000 | $48,000 | $652,000 |
| Application Denied By Financial Institution | 83 | $5,471,000 | $65,000 | $178,000 | $39,000 | $274,000 |
| Application Withdrawn By Applicant | 48 | $3,526,000 | $73,000 | $162,000 | $48,000 | $554,000 |
| Loan Purchased By The Institution | 41 | $3,604,000 | $87,000 | $274,000 | $22,000 | $463,000 |
| Application Approved But Not Accepted | 22 | $1,293,000 | $58,000 | $113,000 | $40,000 | $161,000 |
| File Closed For Incompleteness | 14 | $1,156,000 | $82,000 | $115,000 | $46,000 | $73,000 |
| Preapproval Denied by Financial Institution | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 21 | $1,391,000 | $66,000 | $168,000 | $43,000 | $274,000 |
| Credit History | 20 | $1,109,000 | $55,000 | $139,000 | $32,000 | $60,000 |
| Debt-To-Income Ratio | 5 | $278,000 | $55,000 | $82,000 | $20,000 | $54,000 |
| Unverifiable Information | 5 | $345,000 | $69,000 | $120,000 | $87,000 | $156,000 |
| Collateral | 5 | $413,000 | $82,000 | $160,000 | $44,000 | $86,000 |
| Credit Application Incomplete | 4 | $390,000 | $97,000 | $119,000 | $42,000 | $77,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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