Ida County, IA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 197 mortgage applications in Ida County, IA totaling $15.5 million, up 10% from 2014. The average application was for $78,000, and applicants reported an average income of $69,000. 72% of applications resulted in an originated loan and 19% were denied. The most active lender was United Bank of Iowa, with 96 applications, followed by First State Bank and Community 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 | 197 |
| Total Mortgage Loan Application Amount | $15,458,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $643,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,270,132,000 | 96 | $ 6,682,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 137,256,000 | 26 | $ 1,614,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 193,044,000 | 11 | $ 1,337,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 414,273,000 | 10 | $ 456,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 664,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 4 | $ 596,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 655,141,000 | 3 | $ 163,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,078,478,000 | 2 | $ 37,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 243,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 80,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 226,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 168,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 211,909,000 | 2 | $ 373,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 138,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 163,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 151,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 106,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 31,000 |
| American Bank, National Association 234 5TH AVE SW LE MARS, IA 51031 |
* | $ 279,943,000 | 1 | $ 215,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 61,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 84,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 856,496,000 | 1 | $ 61,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 39,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 79,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 519,361,000 | 1 | $ 113,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,146,212,000 | 1 | $ 22,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ 100,000,000 | 1 | $ 83,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 102,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 100,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 543,829,000 | 1 | $ 80,000 |
The tables below break down 2015 mortgage applications in Ida 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 Ida County, IA in 2015
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 | 81 | $6,038,000 | $74,000 | $320,000 | $63,000 | $220,000 |
| Refinancing | 79 | $8,584,000 | $108,000 | $500,000 | $80,000 | $643,000 |
| Home Improvement | 37 | $836,000 | $22,000 | $77,000 | $60,000 | $132,000 |
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 | 182 | $14,182,000 | $77,000 | $500,000 | $72,000 | $643,000 |
| Not applicable | 6 | $802,000 | $133,000 | $200,000 | $0 | $0 |
| Not Provided | 5 | $311,000 | $62,000 | $160,000 | $52,000 | $65,000 |
| Hispanic | 3 | $155,000 | $51,000 | $78,000 | $54,000 | $60,000 |
| Asian | 1 | $8,000 | $8,000 | $8,000 | $68,000 | $68,000 |
| Black or African American | 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) | 159 | $11,865,000 | $74,000 | $372,000 | $75,000 | $643,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,543,000 | $102,000 | $500,000 | $43,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,013,000 | $84,000 | $160,000 | $36,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,037,000 | $94,000 | $160,000 | $64,000 | $115,000 |
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 | 142 | $11,480,000 | $80,000 | $500,000 | $74,000 | $643,000 |
| Application Denied By Financial Institution | 38 | $2,524,000 | $66,000 | $370,000 | $54,000 | $256,000 |
| Application Withdrawn By Applicant | 8 | $550,000 | $68,000 | $148,000 | $66,000 | $134,000 |
| File Closed For Incompleteness | 3 | $312,000 | $104,000 | $151,000 | $76,000 | $115,000 |
| Application Approved But Not Accepted | 3 | $293,000 | $97,000 | $160,000 | $110,000 | $220,000 |
| Loan Purchased By The Institution | 3 | $299,000 | $99,000 | $160,000 | $15,000 | $45,000 |
| 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 Application Incomplete | 6 | $447,000 | $74,000 | $113,000 | $68,000 | $97,000 |
| Other | 4 | $274,000 | $68,000 | $113,000 | $88,000 | $256,000 |
| Debt-To-Income Ratio | 4 | $188,000 | $47,000 | $107,000 | $28,000 | $42,000 |
| Credit History | 3 | $107,000 | $35,000 | $60,000 | $40,000 | $49,000 |
| Collateral | 2 | $183,000 | $91,000 | $113,000 | $41,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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