Ida County, IA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 144 mortgage applications in Ida County, IA totaling $16.5 million, up 9% from 2018. The average application was for $114,000, and applicants reported an average income of $72,000. 74% of applications resulted in an originated loan and 12% were denied. The most active lender was United Bank of Iowa, with 51 applications, followed by First State Bank 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 | 144 |
| Total Mortgage Loan Application Amount | $16,490,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $3,075,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $322,000 |
| 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 |
* | $ 1,575,399,000 | 51 | $ 4,335,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 167,316,000 | 22 | $ 1,130,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 11 | $ 1,275,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 895,039,000 | 9 | $ 915,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 4 | $ 250,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 3 | $ 255,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 870,984,000 | 3 | $ 215,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 3 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 240,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 456,628,000 | 2 | $ 230,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 240,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 434,815,000 | 2 | $ 400,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 250,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 85,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 1 | $ 185,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 996,232,000 | 1 | $ 55,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 6,168,996,000 | 1 | $ 25,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 364,059,000 | 1 | $ 285,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 125,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 125,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,273,574,000 | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 1 | $ 65,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,987,488,000 | 1 | $ 3,075,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 95,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 85,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 185,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 65,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 980,369,000 | 1 | $ 85,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 285,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 125,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 235,000 |
The tables below break down 2019 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 2019
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 | 83 | $7,935,000 | $95,000 | $345,000 | $65,000 | $322,000 |
| Cash-out Refinancing | 23 | $2,365,000 | $102,000 | $235,000 | $72,000 | $150,000 |
| Refinancing | 23 | $5,465,000 | $237,000 | $3,075,000 | $83,000 | $209,000 |
| Other Purpose | 8 | $340,000 | $42,000 | $105,000 | $97,000 | $210,000 |
| Home Improvement | 7 | $385,000 | $55,000 | $175,000 | $88,000 | $185,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 129 | $11,815,000 | $91,000 | $345,000 | $72,000 | $322,000 |
| Not applicable | 7 | $4,065,000 | $580,000 | $3,075,000 | $45,000 | $55,000 |
| Not Provided | 5 | $375,000 | $75,000 | $155,000 | $67,000 | $76,000 |
| Hispanic | 2 | $130,000 | $65,000 | $85,000 | $60,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $137,000 | $137,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 115 | $13,095,000 | $113,000 | $3,075,000 | $74,000 | $322,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,055,000 | $81,000 | $255,000 | $41,000 | $109,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,050,000 | $105,000 | $135,000 | $96,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,290,000 | $215,000 | $285,000 | $59,000 | $150,000 |
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 | 106 | $13,150,000 | $124,000 | $3,075,000 | $73,000 | $322,000 |
| Application Denied By Financial Institution | 17 | $1,235,000 | $72,000 | $125,000 | $52,000 | $137,000 |
| Application Withdrawn By Applicant | 11 | $1,015,000 | $92,000 | $235,000 | $96,000 | $210,000 |
| Application Approved But Not Accepted | 6 | $450,000 | $75,000 | $155,000 | $70,000 | $131,000 |
| Loan Purchased By The Institution | 4 | $640,000 | $160,000 | $285,000 | $45,000 | $55,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 97 | $10,185,000 | $105,000 | $345,000 | $78,000 | $322,000 |
| Debt-To-Income Ratio | 36 | $5,450,000 | $151,000 | $3,075,000 | $56,000 | $125,000 |
| Credit History | 5 | $305,000 | $61,000 | $105,000 | $77,000 | $137,000 |
| Employment History | 3 | $195,000 | $65,000 | $105,000 | $40,000 | $67,000 |
| Credit Application Incomplete | 2 | $230,000 | $115,000 | $115,000 | $78,000 | $120,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $90,000 | $90,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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