Jackson County IA
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Unlock detailed Jackson County IA mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
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Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Iowa.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 470 |
| Total Mortgage Loan Application Amount | $66,160,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,248,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| DUPACO COMMUNITY PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 88 | $ 9,600,000 |
| GREENSTATE CREDIT UNION 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 37 | $ 5,075,000 |
| IOWA BANKERS MORTGAGE CORPORATION 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 27 | $ 4,235,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 23 | $ 2,015,000 |
| FIDELITY BANK & TRUST 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,658,656,000 | 19 | $ 2,305,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 14 | $ 2,790,000 |
| EMPEOPLE CREDIT UNION 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 14 | $ 1,340,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,779,504,000,000 | 13 | $ 2,635,000 |
| MIDWESTONE BANK 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,023,480,000 | 11 | $ 1,375,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 10 | $ 1,640,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 9 | $ 1,385,000 |
| DU TRAC COMMUNITY CREDIT UNION P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 980,729,000 | 9 | $ 1,255,000 |
| OHNWARD BANK & TRUST 332 1ST AVE W CASCADE, IA 52033 |
* | $ 387,426,000 | 8 | $ 730,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 8 | $ 1,420,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 6 | $ 640,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 6 | $ 920,000 |
| AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 469,148,000 | 6 | $ 580,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 5 | $ 655,000 |
| FIRST CENTRAL STATE BANK 914 6TH AVE DEWITT, IA 52742 |
* | $ 729,106,000 | 5 | $ 605,000 |
| ASCENTRA CREDIT UNION PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 534,050,000 | 5 | $ 315,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 5 | $ 595,000 |
| COLLINS COMMUNITY CREDIT UNION 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,442,452,000 | 5 | $ 825,000 |
| I. H. MISSISSIPPI VALLEY CREDIT UNION 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,832,277,000 | 4 | $ 550,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 4 | $ 470,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ -1,000 | 4 | $ 1,440,000 |
| NORTHPOINTE BANK 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 4 | $ 520,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. WILMINGTON, DE 33146 |
* | $ -1,000 | 4 | $ 420,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ -1,000 | 4 | $ 460,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 335,000 |
| BLACKHAWK BANK & TRUST 301 4TH STREET WEST MILAN, IL 61264 |
* | $ 1,801,002,000 | 3 | $ 565,000 |
| VERIDIAN CREDIT UNION 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 3 | $ 505,000 |
| DUBUQUE BANK AND TRUST COMPANY 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 2,235,630,000 | 3 | $ 1,075,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 300,000 |
| PLAINS COMMERCE BANK 220 MAIN ST SIOUX FALLS, SD 57450 |
* | $ 1,046,473,000 | 2 | $ 390,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 100,000 |
| MOVEMENT MORTGAGE, LLC 8024 CALVIN HALL ROAD WILMINGTON, DE 29707 |
* | $ -1,000 | 2 | $ 320,000 |
| FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 WILMINGTON, DE 28277 |
* | $ -1,000 | 2 | $ 30,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 2 | $ 360,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ -1,000 | 2 | $ 330,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ -1,000 | 2 | $ 270,000 |
| VIBRANT CREDIT UNION 1900 52ND AVE MOLINE, IL 61265 |
* | $ 1,063,621,000 | 2 | $ 100,000 |
| AMERICAN INTERNET MORTGAGE, INC. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 210,000 |
| WEST GATE BANK 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 2 | $ 420,000 |
| R.I.A. FEDERAL CREDIT UNION PO BOX 4750 BETTENDORF, IA 61204 |
* | $ 588,690,000 | 2 | $ 300,000 |
| AIM CREDIT UNION 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 165,623,000 | 2 | $ 120,000 |
| TOWNE MORTGAGE COMPANY 2170 E. BIG BEAVER ROAD, SUITE A PLYMOUTH, MI 48083 |
* | $ -1,000 | 2 | $ 310,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ -1,000 | 2 | $ 370,000 |
| CEDAR FALLS COMMUNITY CREDIT UNION 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 172,020,000 | 2 | $ 100,000 |
| BEELINE LOANS, INC. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 105,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| INOVA 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 570,242,000 | 1 | $ 15,000 |
| MOUND CITY BANK 25 E PINE STREET PLATTEVILLE, WI 53818 |
* | $ 449,561,000 | 1 | $ 75,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 255,000 |
| HILLS BANK AND TRUST COMPANY 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 3,299,556,000 | 1 | $ 165,000 |
| ON Q FINANCIAL, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 215,000 |
| CEDAR RAPIDS BANK AND TRUST COMPANY 500 1ST AVENUE NE CEDAR RAPIDS, IA 52401 |
* | $ 2,023,177,000 | 1 | $ 1,485,000 |
| ARVEST BANK 201 W WALNUT FAYETTEVILLE, AR 72756 |
* | $ 26,774,219,000 | 1 | $ 95,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 1 | $ 155,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 3,655,190,000 | 1 | $ 85,000 |
| FIRST NATIONAL BANK OF AMERICA 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 95,000 |
| CITIZENS STATE BANK 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 499,840,000 | 1 | $ 525,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 16,855,693,000 | 1 | $ 185,000 |
| FIRST INTERNATIONAL BANK & TRUST 1600 S BDWAY WATFORD CITY, ND 58701 |
* | $ 4,710,410,000 | 1 | $ 155,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ -1,000 | 1 | $ 155,000 |
| FLANAGAN STATE BANK 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 1 | $ 315,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 1 | $ 65,000 |
| HOMESTEAD FUNDING CORP. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 315,000 |
| WATERSTONE MORTGAGE CORPORATION N25 W23255 PAUL ROAD PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 145,000 |
| CENTRAL BANK 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,731,908,000 | 1 | $ 425,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 1 | $ 45,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 796,563,000 | 1 | $ 145,000 |
| MARINE CREDIT UNION 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 1,046,374,000 | 1 | $ 205,000 |
| WATERMAN STATE BANK 248 W LINCOLN HWY WATERMAN, IL 60556 |
* | $ 85,668,000 | 1 | $ 135,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 154,617,469,000 | 1 | $ 85,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,669,227,000,000 | 1 | $ 305,000 |
| NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 55,000 |
| BANKERS TRUST COMPANY 453 7TH ST. DES MOINES, IA 50309 |
* | $ 6,001,858,000 | 1 | $ 105,000 |
| HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 85,000 |
| CENTRAL BANK ILLINOIS 101 N STATE ST GENESEO, IL 61254 |
* | $ 1,155,805,000 | 1 | $ 125,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 551,902,526,000 | 1 | $ 145,000 |
| SECURITYNATIONAL MORTGAGE COMPANY 5300 SOUTH 360 WEST WILMINGTON, DE 84123 |
* | $ -1,000 | 1 | $ 135,000 |
| MOUNT VERNON BANK AND TRUST COMPANY 206 FIRST ST SW MOUNT VERNON, IA 52314 |
* | $ 174,678,000 | 1 | $ 95,000 |
| BANK OF THE WEST 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 1 | $ 135,000 |
| TWO RIVERS BANK & TRUST 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 981,440,000 | 1 | $ 895,000 |
| MISSION LOANS, LLC 5686 DRESSLER ROAD, NW UPPER ARLINGTON, OH 44720 |
* | $ -1,000 | 1 | $ 25,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 1 | $ 345,000 |
| GNB BANK 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 622,624,000 | 1 | $ 85,000 |
| MORIA DEVELOPMENT, INC. 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 165,000 |
| DAS ACQUISITION COMPANY, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 235,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 155,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ -1,000 | 1 | $ 515,000 |
| RUHL MORTGAGE, LLC 1701 52ND AVENUE DAVENPORT, IA 61265 |
* | $ -1,000 | 1 | $ 85,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2022, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Jackson County IA in 2022
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 | 199 | $34,625,000 | $173,000 | $1,485,000 | $81,000 | $477,000 |
| Cash-out Refinancing | 107 | $15,495,000 | $144,000 | $515,000 | $71,000 | $250,000 |
| Refinancing | 83 | $11,605,000 | $139,000 | $895,000 | $93,000 | $878,000 |
| Other Purpose | 53 | $2,705,000 | $51,000 | $205,000 | $118,000 | $1,248,000 |
| Home Improvement | 24 | $1,260,000 | $52,000 | $185,000 | $90,000 | $187,000 |
| Not Applicable | 4 | $470,000 | $117,000 | $305,000 | $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 | 388 | $54,920,000 | $141,000 | $1,485,000 | $86,000 | $1,248,000 |
| Not Provided | 45 | $5,715,000 | $127,000 | $985,000 | $84,000 | $477,000 |
| Not applicable | 32 | $5,280,000 | $165,000 | $895,000 | $0 | $0 |
| Hispanic | 3 | $195,000 | $65,000 | $125,000 | $30,000 | $33,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $50,000 | $25,000 | $25,000 | $45,000 | $45,000 |
| 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) | 367 | $50,535,000 | $137,000 | $1,485,000 | $91,000 | $1,248,000 |
| FHA-insured (Federal Housing Administration) | 52 | $7,620,000 | $146,000 | $515,000 | $61,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 38 | $6,400,000 | $168,000 | $305,000 | $67,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,605,000 | $123,000 | $245,000 | $51,000 | $78,000 |
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 | 278 | $38,420,000 | $138,000 | $985,000 | $92,000 | $1,248,000 |
| Application Denied By Financial Institution | 74 | $10,620,000 | $143,000 | $755,000 | $68,000 | $250,000 |
| Application Withdrawn By Applicant | 48 | $6,700,000 | $139,000 | $1,485,000 | $89,000 | $510,000 |
| Loan Purchased By The Institution | 33 | $5,335,000 | $161,000 | $345,000 | $69,000 | $109,000 |
| Application Approved But Not Accepted | 19 | $3,015,000 | $158,000 | $575,000 | $79,000 | $187,000 |
| File Closed For Incompleteness | 16 | $1,820,000 | $113,000 | $195,000 | $62,000 | $113,000 |
| Preapproval Denied by Financial Institution | 2 | $250,000 | $125,000 | $175,000 | $40,000 | $46,000 |
| Preapproval Approved but not Accepted | 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 | 379 | $50,935,000 | $134,000 | $985,000 | $88,000 | $1,248,000 |
| Debt-To-Income Ratio | 36 | $7,650,000 | $212,000 | $1,485,000 | $81,000 | $293,000 |
| Credit History | 21 | $2,865,000 | $136,000 | $515,000 | $62,000 | $156,000 |
| Collateral | 10 | $1,390,000 | $139,000 | $315,000 | $68,000 | $117,000 |
| Credit Application Incomplete | 8 | $1,230,000 | $153,000 | $405,000 | $83,000 | $250,000 |
| Other | 8 | $690,000 | $86,000 | $145,000 | $88,000 | $177,000 |
| Employment History | 3 | $605,000 | $201,000 | $245,000 | $53,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $455,000 | $151,000 | $225,000 | $54,000 | $73,000 |
| Unverifiable Information | 2 | $340,000 | $170,000 | $205,000 | $126,000 | $205,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.