Howard County, IA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 91 mortgage applications in Howard County, IA totaling $13.2 million, up 32% from 2016. The average application was for $144,000, and applicants reported an average income of $74,000. 47% of applications resulted in an originated loan and 24% were denied. The most active lender was Marine Credit Union, with 15 applications, followed by Luana Savings Bank and Veridian 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 | 91 |
| Total Mortgage Loan Application Amount | $13,192,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $1,150,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $390,000 |
| 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 |
* | $ 689,786,000 | 15 | $ 1,076,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 870,820,000 | 10 | $ 3,567,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,101,783,000 | 5 | $ 467,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 496,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 275,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 3 | $ 141,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 274,766,000 | 3 | $ 1,079,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 182,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 197,000 |
| State Bank 25 N. CHESTNUT AVE NEW HAMPTON, IA 50659 |
* | $ 384,785,000 | 2 | $ 173,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 745,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,593,928,000 | 2 | $ 33,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,146,128,000 | 2 | $ 1,265,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 2 | $ 65,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 3,073,698,000 | 1 | $ 121,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 190,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 9,512,407,000 | 1 | $ 5,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 143,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 136,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 80,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 99,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 1 | $ 79,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 61,000 |
| First State Bank PO BOX 206, 1150 W 1ST ST SUMNER, IA 50674 |
* | $ 104,267,000 | 1 | $ 94,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 44,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 135,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 61,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 747,213,000 | 1 | $ 130,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 55,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 1 | $ 121,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 70,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 681,169,000 | 1 | $ 136,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 190,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2017 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 2017
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 | 42 | $3,850,000 | $91,000 | $180,000 | $41,000 | $117,000 |
| Refinancing | 42 | $9,079,000 | $216,000 | $1,150,000 | $108,000 | $390,000 |
| Home Improvement | 7 | $263,000 | $37,000 | $153,000 | $63,000 | $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 | 76 | $11,779,000 | $154,000 | $1,150,000 | $82,000 | $390,000 |
| Not Provided | 8 | $820,000 | $102,000 | $150,000 | $47,000 | $84,000 |
| Not applicable | 5 | $416,000 | $83,000 | $143,000 | $0 | $0 |
| Asian | 1 | $99,000 | $99,000 | $99,000 | $70,000 | $70,000 |
| Black or African American | 1 | $78,000 | $78,000 | $78,000 | $39,000 | $39,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 62 | $10,514,000 | $169,000 | $1,150,000 | $85,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,320,000 | $94,000 | $156,000 | $46,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 9 | $833,000 | $92,000 | $168,000 | $54,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $525,000 | $87,000 | $136,000 | $48,000 | $88,000 |
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 | 43 | $7,433,000 | $172,000 | $1,150,000 | $100,000 | $390,000 |
| Application Denied By Financial Institution | 22 | $3,149,000 | $143,000 | $655,000 | $56,000 | $177,000 |
| Application Withdrawn By Applicant | 13 | $1,287,000 | $99,000 | $156,000 | $56,000 | $117,000 |
| Loan Purchased By The Institution | 8 | $784,000 | $98,000 | $190,000 | $21,000 | $88,000 |
| Application Approved But Not Accepted | 4 | $408,000 | $102,000 | $153,000 | $55,000 | $120,000 |
| File Closed For Incompleteness | 1 | $131,000 | $131,000 | $131,000 | $48,000 | $48,000 |
| 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 | 5 | $952,000 | $190,000 | $520,000 | $88,000 | $177,000 |
| Credit Application Incomplete | 4 | $450,000 | $112,000 | $150,000 | $52,000 | $66,000 |
| Credit History | 4 | $243,000 | $60,000 | $126,000 | $41,000 | $66,000 |
| Debt-To-Income Ratio | 2 | $254,000 | $127,000 | $180,000 | $25,000 | $27,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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