Howard County, IA Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 103 mortgage applications in Howard County, IA totaling $11.2 million, about the same as 2019. The average application was for $108,000, and applicants reported an average income of $69,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Marine Credit Union, with 8 applications, followed by Wells Fargo Bank NA and Iowa Bankers Mortgage Corporation.
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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 | 103 |
| Total Mortgage Loan Application Amount | $11,175,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $254,000 |
| 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 |
* | $ 857,609,000 | 8 | $ 290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 6 | $ 740,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 6 | $ 990,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,523,369,000 | 5 | $ 575,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 290,000,000 | 4 | $ 330,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,348,222,000 | 4 | $ 370,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,373,920,000 | 3 | $ 295,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,668,081,000 | 3 | $ 305,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,669,828,000 | 3 | $ 275,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 285,828,000 | 3 | $ 265,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 195,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,391,958,000 | 3 | $ 505,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 2 | $ 330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 250,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 370,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 2 | $ 150,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 170,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 777,069,000 | 2 | $ 250,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 250,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 190,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 2 | $ 90,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 2 | $ 40,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,757,174,000 | 2 | $ 310,000 |
| Aerospace Federal Credit Union LOS ANGELES, CA 90009 |
* | $ 382,111,000 | 1 | $ 125,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 1 | $ 85,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 145,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 25,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 85,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 529,803,000 | 1 | $ 125,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 127,148,000 | 1 | $ 55,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 85,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 1 | $ 365,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 275,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 125,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 370,704,000 | 1 | $ 85,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 155,000 |
The tables below break down 2020 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 2020
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 | 50 | $5,610,000 | $112,000 | $365,000 | $71,000 | $254,000 |
| Refinancing | 31 | $3,585,000 | $115,000 | $275,000 | $74,000 | $188,000 |
| Cash-out Refinancing | 12 | $1,110,000 | $92,000 | $155,000 | $61,000 | $129,000 |
| Home Improvement | 4 | $180,000 | $45,000 | $125,000 | $57,000 | $74,000 |
| Not Applicable | 4 | $570,000 | $142,000 | $225,000 | $0 | $0 |
| Other Purpose | 2 | $120,000 | $60,000 | $95,000 | $59,000 | $67,000 |
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 | 83 | $8,925,000 | $107,000 | $365,000 | $70,000 | $254,000 |
| Not Provided | 10 | $1,110,000 | $111,000 | $185,000 | $60,000 | $129,000 |
| Not applicable | 9 | $1,015,000 | $112,000 | $225,000 | $0 | $0 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $117,000 | $117,000 |
| 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 |
| 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) | 75 | $7,475,000 | $99,000 | $305,000 | $73,000 | $254,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,585,000 | $121,000 | $225,000 | $61,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $920,000 | $115,000 | $245,000 | $49,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,195,000 | $170,000 | $365,000 | $58,000 | $129,000 |
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 | 56 | $6,020,000 | $107,000 | $365,000 | $78,000 | $254,000 |
| Application Withdrawn By Applicant | 18 | $1,840,000 | $102,000 | $275,000 | $58,000 | $129,000 |
| Application Denied By Financial Institution | 15 | $1,525,000 | $101,000 | $245,000 | $55,000 | $117,000 |
| Loan Purchased By The Institution | 7 | $955,000 | $136,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $625,000 | $125,000 | $305,000 | $57,000 | $112,000 |
| File Closed For Incompleteness | 2 | $210,000 | $105,000 | $105,000 | $73,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 82 | $9,180,000 | $111,000 | $365,000 | $72,000 | $254,000 |
| Debt-To-Income Ratio | 7 | $715,000 | $102,000 | $245,000 | $77,000 | $112,000 |
| Collateral | 4 | $330,000 | $82,000 | $145,000 | $46,000 | $67,000 |
| Credit History | 4 | $330,000 | $82,000 | $135,000 | $58,000 | $117,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $135,000 | $42,000 | $45,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $87,000 | $87,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $49,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $72,000 | $72,000 |
| 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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