In 2007, lenders reported 750 mortgage applications in Jefferson County, IA totaling $66.1 million, up 32% from 2006. The average application was for $88,000, and applicants reported an average income of $64,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Midwestone Bank, with 91 applications, followed by Countrywide Home Loans and JPMorgan Chase Bank, NA.
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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 | 750 |
| Total Mortgage Loan Application Amount | $66,067,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $691,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Midwestone Bank 102 S CLINTON IOWA CITY, IA 52240 |
* | $ 738,404,000 | 91 | $ 4,171,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 60 | $ 5,566,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 54 | $ 6,197,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 48 | $ 4,918,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 39 | $ 2,615,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 183,438,000 | 39 | $ 2,242,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 30 | $ 2,536,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 25 | $ 2,035,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 22 | $ 3,590,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 21 | $ 1,885,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 20 | $ 1,393,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 19 | $ 1,740,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 15 | $ 1,479,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 14 | $ 1,435,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 13 | $ 1,555,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 12 | $ 1,530,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 906,000 |
| Federation Bank 102 E MAIN ST WASHINGTON, IA 52353 |
* | $ 103,677,000 | 11 | $ 430,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 11 | $ 488,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 10 | $ 675,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 10 | $ 918,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 1,062,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 7 | $ 526,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 7 | $ 622,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 6 | $ 422,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 90,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 6 | $ 691,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 5 | $ 1,247,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 493,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 4 | $ 184,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 565,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 4 | $ 256,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 4 | $ 98,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 62,691,446,000 | 4 | $ 512,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 41,551,082,000 | 4 | $ 462,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 199,558,000 | 4 | $ 238,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 95,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 514,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,642,936,000 | 3 | $ 292,000 |
| Midwest Loan Services, Corp. 2020 SYLVIA AVE NE STE A CEDAR RAPIDS, IA 52402 |
* | $ 125,000 | 3 | $ 517,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 357,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 3 | $ 666,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 136,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Advent Mortgage, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 2 | $ 274,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,550,565,000 | 2 | $ 59,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 2 | $ 190,000 |
| First Federal Savings Bank Ia 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 516,754,000 | 2 | $ 83,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 2 | $ 199,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 249,142,000 | 2 | $ 214,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 2 | $ 166,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 2 | $ 196,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 17,125,177,000 | 2 | $ 80,000 |
| West Chester Savings Bank 1060 WEST MONROE STREET, PO BOX 517 WASHINGTON, IA 52353 |
* | $ 46,571,000 | 2 | $ 98,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 56,382,388,000 | 1 | $ 124,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 358,752,000 | 1 | $ 76,000 |
| Pointbank 200 S HIGHWAY 377 PILOT POINT, TX 76258 |
* | $ 231,623,000 | 1 | $ 60,000 |
| Popular Bank 9600 WEST BRYN MAWR NEW YORK, NY 10004 |
* | $ 12,245,910,000 | 1 | $ 110,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 43,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 573,665,000 | 1 | $ 159,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 77,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 1 | $ 84,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 75,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 146,260,800,000 | 1 | $ 93,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 1 | $ 35,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 1,514,125,000 | 1 | $ 30,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,176,694,000 | 1 | $ 116,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 398,000 |
| Lydian Private Bank 3801 PGA BLVD SUITE 700 PALM BEACH GARDENS, FL 33410 |
* | $ 1,771,096,000 | 1 | $ 37,000 |
| American Investors Bank Mtg 6385 OLD SHADY OAK RD, SUITE 110 EDEN PRAIRIE, MN 55344 |
* | $ 45,751,000 | 1 | $ 16,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,539,389,000 | 1 | $ 257,000 |
| Liberty Mortgage Corporation 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 1 | $ 135,000 |
| William Penn Bank FSB 911 SECOND STREET PIKE RICHBORO, PA 18954 |
* | $ 263,195,000 | 1 | $ 175,000 |
| Boulevard Bank 111 E MAIN ST NEOSHO, MO 64850 |
* | $ 83,093,000 | 1 | $ 78,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 554,666,000 | 1 | $ 80,000 |
| State Bank P.O. BOX 98 WORTHINGTON, IA 52078 |
* | $ 53,272,000 | 1 | $ 30,000 |
| First Trust and Savings Bank 1831 2ND STREET CORALVILLE, IA 52241 |
* | $ 49,970,000 | 1 | $ 170,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 553,997,000 | 1 | $ 274,000 |
| Point Independent Mortgage 525 S. I-35 EAST DENTON, TX 76205 |
* | $ 231,623,000 | 1 | $ 60,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 173,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 195,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 97,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 61,000 |
| The Lending Connection, Inc 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 144,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 39,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Performance Credit Corporation 2040 MAIN STREET, SUITE 800B IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Lime Financial Services, Ltd. 3815 SOUTH WEST TEMPLE SALT LAKE CITY, UT 84115 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD, STE 300 ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 96,000 |
The tables below break down 2007 mortgage applications in Jefferson County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 343 | $30,453,000 | $88,000 | $560,000 | $64,000 | $462,000 |
| Refinancing | 295 | $30,985,000 | $105,000 | $825,000 | $67,000 | $691,000 |
| Home Improvement | 112 | $4,629,000 | $41,000 | $290,000 | $60,000 | $430,000 |
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 | 625 | $54,769,000 | $87,000 | $825,000 | $68,000 | $691,000 |
| Not Provided | 71 | $6,594,000 | $92,000 | $388,000 | $61,000 | $275,000 |
| Not applicable | 31 | $2,398,000 | $77,000 | $171,000 | $13,000 | $133,000 |
| Asian | 8 | $895,000 | $111,000 | $147,000 | $70,000 | $176,000 |
| Black or African American | 6 | $713,000 | $118,000 | $158,000 | $52,000 | $82,000 |
| Hispanic | 5 | $400,000 | $80,000 | $138,000 | $43,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $117,000 | $58,000 | $62,000 | $44,000 | $44,000 |
| American Indian or Alaskan Native | 2 | $181,000 | $90,000 | $101,000 | $27,000 | $54,000 |
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) | 726 | $63,926,000 | $88,000 | $825,000 | $65,000 | $691,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,787,000 | $89,000 | $173,000 | $38,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 3 | $264,000 | $88,000 | $155,000 | $49,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $90,000 | $90,000 | $90,000 | $29,000 | $29,000 |
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 | 340 | $30,584,000 | $89,000 | $825,000 | $75,000 | $691,000 |
| Application Denied By Financial Institution | 188 | $15,315,000 | $81,000 | $338,000 | $54,000 | $360,000 |
| Loan Purchased By The Institution | 98 | $8,058,000 | $82,000 | $396,000 | $40,000 | $269,000 |
| Application Withdrawn By Applicant | 62 | $5,802,000 | $93,000 | $337,000 | $78,000 | $590,000 |
| Application Approved But Not Accepted | 45 | $4,794,000 | $106,000 | $307,000 | $69,000 | $280,000 |
| File Closed For Incompleteness | 17 | $1,514,000 | $89,000 | $218,000 | $51,000 | $164,000 |
| 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 History | 22 | $1,567,000 | $71,000 | $240,000 | $57,000 | $120,000 |
| Credit Application Incomplete | 21 | $2,342,000 | $111,000 | $275,000 | $96,000 | $360,000 |
| Collateral | 19 | $1,952,000 | $102,000 | $338,000 | $56,000 | $186,000 |
| Other | 9 | $916,000 | $101,000 | $212,000 | $55,000 | $134,000 |
| Debt-To-Income Ratio | 9 | $570,000 | $63,000 | $218,000 | $37,000 | $94,000 |
| Unverifiable Information | 5 | $593,000 | $118,000 | $216,000 | $61,000 | $110,000 |
| Employment History | 1 | $86,000 | $86,000 | $86,000 | $42,000 | $42,000 |
| 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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