Ida County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 218 mortgage applications in Ida County, IA totaling $21.5 million, up 11% from 2015. The average application was for $98,000, and applicants reported an average income of $108,000. 78% of applications resulted in an originated loan and 16% were denied. The most active lender was United Bank of Iowa, with 104 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 | 218 |
| Total Mortgage Loan Application Amount | $21,502,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $1,210,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $5,180,000 |
| 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 |
* | $ 1,329,743,000 | 104 | $ 9,688,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 143,189,000 | 22 | $ 1,616,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 192,777,000 | 18 | $ 1,912,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 945,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 389,767,000 | 8 | $ 439,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 211,544,000 | 7 | $ 1,274,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 703,748,000 | 5 | $ 547,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 4 | $ 487,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 3 | $ 469,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 404,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,134,969,000 | 3 | $ 511,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,421,072,000 | 2 | $ 321,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 361,222,000 | 1 | $ 147,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 358,749,000 | 1 | $ 35,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,952,894,000 | 1 | $ 189,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 445,633,000 | 1 | $ 116,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 116,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 28,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 68,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 761,418,000 | 1 | $ 131,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 142,000 |
| Security Savings Bank 100 S WEST ST PO BOX 125 CANTON, SD 57013 |
* | $ 199,406,000 | 1 | $ 72,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 79,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 109,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 9,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 109,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 946,593,000 | 1 | $ 100,000 |
The tables below break down 2016 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 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 | 90 | $12,688,000 | $140,000 | $1,210,000 | $172,000 | $5,180,000 |
| Home Purchase | 77 | $6,881,000 | $89,000 | $594,000 | $56,000 | $168,000 |
| Home Improvement | 51 | $1,933,000 | $37,000 | $185,000 | $75,000 | $269,000 |
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 | 202 | $19,932,000 | $98,000 | $1,210,000 | $114,000 | $5,180,000 |
| Not applicable | 7 | $1,030,000 | $147,000 | $390,000 | $5,000 | $35,000 |
| Not Provided | 4 | $325,000 | $81,000 | $128,000 | $49,000 | $95,000 |
| Asian | 3 | $109,000 | $36,000 | $47,000 | $85,000 | $139,000 |
| Hispanic | 2 | $106,000 | $53,000 | $73,000 | $45,000 | $46,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 188 | $18,577,000 | $98,000 | $1,210,000 | $117,000 | $5,180,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,110,000 | $92,000 | $203,000 | $57,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,309,000 | $130,000 | $209,000 | $67,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $506,000 | $63,000 | $81,000 | $30,000 | $46,000 |
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 | 169 | $17,443,000 | $103,000 | $1,210,000 | $121,000 | $5,180,000 |
| Application Denied By Financial Institution | 34 | $2,720,000 | $80,000 | $142,000 | $68,000 | $253,000 |
| Application Approved But Not Accepted | 7 | $318,000 | $45,000 | $72,000 | $50,000 | $90,000 |
| Application Withdrawn By Applicant | 5 | $651,000 | $130,000 | $175,000 | $85,000 | $124,000 |
| Loan Purchased By The Institution | 2 | $245,000 | $122,000 | $136,000 | $37,000 | $40,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $92,000 | $92,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $330,000 | $66,000 | $142,000 | $45,000 | $88,000 |
| Collateral | 2 | $141,000 | $70,000 | $81,000 | $96,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $166,000 | $83,000 | $99,000 | $81,000 | $109,000 |
| Credit History | 2 | $113,000 | $56,000 | $68,000 | $66,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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