Howard County, IA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 94 mortgage applications in Howard County, IA totaling $7.7 million, down 5% from 2013. The average application was for $82,000, and applicants reported an average income of $62,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was Marine Credit Union, with 12 applications, followed by Veridian Credit Union 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 | 94 |
| Total Mortgage Loan Application Amount | $7,710,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $324,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,131,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 474,386,000 | 12 | $ 787,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,433,983,000 | 7 | $ 394,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 6 | $ 406,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 698,929,000 | 6 | $ 546,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 305,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 620,458,000 | 4 | $ 427,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,107,977,000 | 3 | $ 278,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 3 | $ 301,000 |
| Northeast Security Bank 108 NORTH CARPENTER SUMNER, IA 50674 |
* | $ 126,857,000 | 2 | $ 93,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 207,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,468,863,000 | 2 | $ 41,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 137,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 106,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 59,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 956,572,000 | 1 | $ 60,000 |
| First State Bank Minnesota 102 WEST MAIN ST, PO BOX 369 LEROY, MN 55951 |
* | $ 66,246,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 104,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 46,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 88,000 |
| Farmers Savings Bank 103 3RD ST FREDERIKA, IA 50631 |
* | $ 50,483,000 | 1 | $ 65,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 243,660,000 | 1 | $ 180,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 259,270,000 | 1 | $ 104,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 246,882,000 | 1 | $ 65,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,016,109,000 | 1 | $ 142,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 102,326,000 | 1 | $ 118,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 647,428,000 | 1 | $ 132,000 |
| Adams Dairy Bank 651 NE CORONADO DRIVE BLUE SPRINGS, MO 64014 |
* | $ 77,495,000 | 1 | $ 188,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 597,564,000 | 1 | $ 324,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 51,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 118,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 52,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 57,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 136,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 48,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 127,000 |
| State Bank 25 N. CHESTNUT AVE NEW HAMPTON, IA 50659 |
* | $ 359,415,000 | 1 | $ 43,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 117,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 46,000 |
The tables below break down 2014 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 2014
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 | 45 | $4,221,000 | $93,000 | $324,000 | $80,000 | $1,131,000 |
| Home Purchase | 35 | $2,890,000 | $82,000 | $188,000 | $43,000 | $105,000 |
| Home Improvement | 14 | $599,000 | $42,000 | $104,000 | $55,000 | $120,000 |
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 | 77 | $6,027,000 | $78,000 | $324,000 | $68,000 | $1,131,000 |
| Not Provided | 9 | $988,000 | $109,000 | $222,000 | $53,000 | $85,000 |
| Not applicable | 7 | $591,000 | $84,000 | $157,000 | $16,000 | $67,000 |
| Hispanic | 1 | $104,000 | $104,000 | $104,000 | $67,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 61 | $4,746,000 | $77,000 | $324,000 | $78,000 | $1,131,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,559,000 | $97,000 | $155,000 | $36,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $770,000 | $85,000 | $157,000 | $22,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 8 | $635,000 | $79,000 | $142,000 | $40,000 | $85,000 |
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 | 40 | $3,539,000 | $88,000 | $324,000 | $66,000 | $472,000 |
| Application Denied By Financial Institution | 27 | $1,974,000 | $73,000 | $222,000 | $48,000 | $120,000 |
| Application Withdrawn By Applicant | 15 | $1,219,000 | $81,000 | $188,000 | $114,000 | $1,131,000 |
| Loan Purchased By The Institution | 9 | $698,000 | $77,000 | $157,000 | $14,000 | $67,000 |
| File Closed For Incompleteness | 2 | $189,000 | $94,000 | $142,000 | $38,000 | $41,000 |
| Application Approved But Not Accepted | 1 | $91,000 | $91,000 | $91,000 | $46,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $526,000 | $87,000 | $155,000 | $53,000 | $85,000 |
| Credit History | 5 | $187,000 | $37,000 | $122,000 | $57,000 | $120,000 |
| Debt-To-Income Ratio | 2 | $106,000 | $53,000 | $70,000 | $26,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $222,000 | $222,000 | $222,000 | $31,000 | $31,000 |
| Other | 1 | $86,000 | $86,000 | $86,000 | $0 | $0 |
| Unverifiable Information | 1 | $49,000 | $49,000 | $49,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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