Jefferson County, IA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 435 mortgage applications in Jefferson County, IA totaling $50.5 million, up 2% from 2014. The average application was for $116,000, and applicants reported an average income of $68,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Washington State Bank, with 80 applications, followed by Community 1st Credit Union and Midwestone 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 | 435 |
| Total Mortgage Loan Application Amount | $50,541,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $881,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $973,000 |
* 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 |
|---|---|---|---|---|
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 236,617,000 | 80 | $ 9,231,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 519,361,000 | 80 | $ 6,691,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,790,345,000 | 30 | $ 4,052,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 28 | $ 2,226,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 25 | $ 2,879,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 19 | $ 3,253,000 |
| Federation Bank 102 E MAIN ST WASHINGTON, IA 52353 |
* | $ 120,007,000 | 14 | $ 771,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 13 | $ 2,410,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 2,333,296,000 | 7 | $ 816,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 7 | $ 551,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,257,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 641,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 649,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 341,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 454,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 4 | $ 350,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 4 | $ 401,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 831,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 693,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 4 | $ 948,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 418,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 321,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 501,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 2,595,753,000 | 3 | $ 661,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 2 | $ 292,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 76,205,000 | 2 | $ 224,000 |
| Freedom Financial Bank 1255 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 161,519,000 | 2 | $ 480,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 289,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 2 | $ 186,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 342,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 2 | $ 242,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 115,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 344,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 2 | $ 515,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 2 | $ 315,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 100,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 97,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 81,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,508,574,000 | 1 | $ 829,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 144,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 50,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 96,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 93,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 74,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 141,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 198,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 122,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 196,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 191,162,000 | 1 | $ 160,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 23,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 1 | $ 5,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 151,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 128,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ 0 | 1 | $ 120,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 59,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 377,710,000 | 1 | $ 141,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 80,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 170,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 192,000 |
| Benchmark Bank 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 124,628,000 | 1 | $ 80,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 660,215,000 | 1 | $ 7,000 |
| Mount Vernon Bank and Trust Company 206 FIRST ST SW MOUNT VERNON, IA 52314 |
* | $ 105,280,000 | 1 | $ 118,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 347,425,000 | 1 | $ 22,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,989,777,000 | 1 | $ 301,000 |
The tables below break down 2015 mortgage applications in Jefferson 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 Jefferson 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 |
|---|---|---|---|---|---|---|
| Refinancing | 213 | $26,083,000 | $122,000 | $829,000 | $68,000 | $973,000 |
| Home Purchase | 187 | $22,881,000 | $122,000 | $881,000 | $66,000 | $425,000 |
| Home Improvement | 35 | $1,577,000 | $45,000 | $301,000 | $75,000 | $296,000 |
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 | 350 | $39,406,000 | $112,000 | $881,000 | $76,000 | $973,000 |
| Not applicable | 33 | $5,810,000 | $176,000 | $829,000 | $1,000 | $41,000 |
| Not Provided | 30 | $2,733,000 | $91,000 | $285,000 | $50,000 | $169,000 |
| Asian | 7 | $719,000 | $102,000 | $383,000 | $49,000 | $162,000 |
| Hispanic | 7 | $626,000 | $89,000 | $143,000 | $41,000 | $84,000 |
| Black or African American | 4 | $573,000 | $143,000 | $264,000 | $147,000 | $157,000 |
| American Indian or Alaskan Native | 3 | $401,000 | $133,000 | $147,000 | $62,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $273,000 | $273,000 | $273,000 | $72,000 | $72,000 |
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) | 353 | $40,327,000 | $114,000 | $881,000 | $74,000 | $973,000 |
| VA-guaranteed (Veterans Administration) | 43 | $6,643,000 | $154,000 | $302,000 | $50,000 | $92,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,405,000 | $92,000 | $217,000 | $40,000 | $296,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,166,000 | $89,000 | $141,000 | $34,000 | $79,000 |
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 | 225 | $25,411,000 | $112,000 | $881,000 | $78,000 | $973,000 |
| Application Denied By Financial Institution | 83 | $10,013,000 | $120,000 | $384,000 | $59,000 | $383,000 |
| Application Withdrawn By Applicant | 72 | $7,234,000 | $100,000 | $298,000 | $53,000 | $157,000 |
| Loan Purchased By The Institution | 28 | $4,499,000 | $160,000 | $417,000 | $18,000 | $362,000 |
| Application Approved But Not Accepted | 16 | $1,964,000 | $122,000 | $200,000 | $142,000 | $973,000 |
| File Closed For Incompleteness | 11 | $1,420,000 | $129,000 | $215,000 | $55,000 | $169,000 |
| 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 | 18 | $1,434,000 | $79,000 | $198,000 | $53,000 | $157,000 |
| Debt-To-Income Ratio | 11 | $1,296,000 | $117,000 | $302,000 | $35,000 | $69,000 |
| Credit Application Incomplete | 7 | $894,000 | $127,000 | $225,000 | $73,000 | $108,000 |
| Collateral | 6 | $455,000 | $75,000 | $217,000 | $32,000 | $59,000 |
| Other | 3 | $350,000 | $116,000 | $166,000 | $85,000 | $118,000 |
| Employment History | 2 | $191,000 | $95,000 | $98,000 | $74,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $143,000 | $143,000 | $143,000 | $84,000 | $84,000 |
| Mortgage Insurance Denied | 1 | $172,000 | $172,000 | $172,000 | $181,000 | $181,000 |
| Unverifiable Information | 1 | $152,000 | $152,000 | $152,000 | $32,000 | $32,000 |
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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