Howard County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 69 mortgage applications in Howard County, IA totaling $5.8 million, down 22% from 2015. The average application was for $84,000, and applicants reported an average income of $63,000. 51% of applications resulted in an originated loan and 35% were denied. The most active lender was loanDepot.com LLC, with 15 applications, followed by Marine Credit Union and Luana Savings 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 | 69 |
| Total Mortgage Loan Application Amount | $5,843,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $450,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 15 | $ 1,647,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 625,382,000 | 11 | $ 423,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 776,136,000 | 6 | $ 188,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,952,894,000 | 4 | $ 126,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 229,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 3 | $ 325,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,538,197,000 | 2 | $ 216,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 270,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 1 | $ 94,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,720,318,000 | 1 | $ 110,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 59,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 160,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 270,567,000 | 1 | $ 60,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 93,373,000 | 1 | $ 137,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 697,989,000 | 1 | $ 44,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 34,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,358,315,000 | 1 | $ 183,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 245,000 |
| State Bank 25 N. CHESTNUT AVE NEW HAMPTON, IA 50659 |
* | $ 377,827,000 | 1 | $ 105,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 121,000 |
The tables below break down 2016 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 2016
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 | 37 | $3,590,000 | $97,000 | $225,000 | $70,000 | $450,000 |
| Home Purchase | 23 | $2,052,000 | $89,000 | $245,000 | $57,000 | $150,000 |
| Home Improvement | 9 | $201,000 | $22,000 | $49,000 | $47,000 | $83,000 |
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 | 62 | $5,366,000 | $86,000 | $245,000 | $63,000 | $450,000 |
| Not Provided | 5 | $363,000 | $72,000 | $136,000 | $53,000 | $75,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $75,000 | $75,000 |
| Hispanic | 1 | $59,000 | $59,000 | $59,000 | $67,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 52 | $3,905,000 | $75,000 | $225,000 | $69,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,582,000 | $121,000 | $245,000 | $42,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 3 | $204,000 | $68,000 | $77,000 | $50,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $152,000 | $152,000 | $152,000 | $66,000 | $66,000 |
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 | 35 | $2,862,000 | $81,000 | $245,000 | $57,000 | $166,000 |
| Application Denied By Financial Institution | 24 | $1,921,000 | $80,000 | $225,000 | $76,000 | $450,000 |
| Application Withdrawn By Applicant | 5 | $562,000 | $112,000 | $162,000 | $42,000 | $75,000 |
| File Closed For Incompleteness | 3 | $205,000 | $68,000 | $85,000 | $55,000 | $72,000 |
| Application Approved But Not Accepted | 1 | $48,000 | $48,000 | $48,000 | $25,000 | $25,000 |
| Loan Purchased By The Institution | 1 | $245,000 | $245,000 | $245,000 | $96,000 | $96,000 |
| 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 | 2 | $69,000 | $34,000 | $44,000 | $73,000 | $75,000 |
| Debt-To-Income Ratio | 2 | $145,000 | $72,000 | $94,000 | $33,000 | $52,000 |
| Collateral | 2 | $67,000 | $33,000 | $54,000 | $41,000 | $43,000 |
| Credit Application Incomplete | 1 | $79,000 | $79,000 | $79,000 | $57,000 | $57,000 |
| Other | 1 | $18,000 | $18,000 | $18,000 | $27,000 | $27,000 |
| Unverifiable Information | 1 | $36,000 | $36,000 | $36,000 | $49,000 | $49,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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