Jefferson County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 496 mortgage applications in Jefferson County, IA totaling $54.5 million, up 15% from 2017. The average application was for $109,000, and applicants reported an average income of $67,000. 57% of applications resulted in an originated loan and 20% were denied. The most active lender was Community 1st Credit Union, with 95 applications, followed by Washington State Bank 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 | 496 |
| Total Mortgage Loan Application Amount | $54,480,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $444,000 |
* 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 |
|---|---|---|---|---|
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 622,220,000 | 95 | $ 9,085,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 303,842,000 | 64 | $ 6,830,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 3,205,800,000 | 61 | $ 4,905,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 26 | $ 3,050,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 22 | $ 2,920,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 17 | $ 3,025,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 12 | $ 750,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,545,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 11 | $ 1,215,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 10 | $ 440,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,425,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 940,832,000 | 9 | $ 975,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 8 | $ 1,130,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 340,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 6 | $ 670,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 815,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 4 | $ 300,000 |
| Federation Bank 102 E MAIN ST WASHINGTON, IA 52353 |
* | $ 119,722,000 | 4 | $ 300,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 491,903,000 | 3 | $ 595,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 405,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 3 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 185,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 525,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 340,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ -1,000 | 2 | $ 190,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 410,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 260,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 310,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 310,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ 526,901,000 | 2 | $ 210,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 360,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,086,499,000 | 2 | $ 190,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 2 | $ 170,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 2,961,967,000 | 2 | $ 240,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 369,760,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 155,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| Cuso Mortgage, Inc. 5601 E LA PALMA AVENUE ANAHEIM, CA 92807 |
* | $ -1,000 | 1 | $ 115,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 75,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 109,372,608,000 | 1 | $ 105,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 275,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 279,216,000 | 1 | $ 295,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 165,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 305,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 45,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 1 | $ 265,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 285,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 125,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 55,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 315,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 1 | $ 105,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 85,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 833,673,000 | 1 | $ 95,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 105,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 95,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 984,052,000 | 1 | $ 25,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 95,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 255,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,105,885,000 | 1 | $ 65,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 305,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 135,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 133,225,000 | 1 | $ 65,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 255,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 265,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 55,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 115,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 1 | $ 5,000 |
The tables below break down 2018 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 2018
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 | 243 | $28,015,000 | $115,000 | $435,000 | $68,000 | $250,000 |
| Cash-out Refinancing | 101 | $12,085,000 | $119,000 | $315,000 | $65,000 | $444,000 |
| Refinancing | 90 | $10,600,000 | $117,000 | $705,000 | $64,000 | $307,000 |
| Other Purpose | 33 | $2,145,000 | $65,000 | $475,000 | $65,000 | $275,000 |
| Home Improvement | 23 | $995,000 | $43,000 | $105,000 | $72,000 | $221,000 |
| Not Applicable | 6 | $640,000 | $106,000 | $275,000 | $74,000 | $91,000 |
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 | 401 | $45,335,000 | $113,000 | $705,000 | $67,000 | $444,000 |
| Not Provided | 55 | $4,875,000 | $88,000 | $475,000 | $63,000 | $307,000 |
| Not applicable | 27 | $3,155,000 | $116,000 | $255,000 | $85,000 | $116,000 |
| Hispanic | 7 | $435,000 | $62,000 | $85,000 | $95,000 | $250,000 |
| Black or African American | 3 | $305,000 | $101,000 | $205,000 | $57,000 | $75,000 |
| American Indian or Alaskan Native | 2 | $250,000 | $125,000 | $165,000 | $59,000 | $78,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 390 | $40,530,000 | $103,000 | $705,000 | $70,000 | $444,000 |
| VA-guaranteed (Veterans Administration) | 49 | $7,955,000 | $162,000 | $325,000 | $59,000 | $166,000 |
| FHA-insured (Federal Housing Administration) | 44 | $4,790,000 | $108,000 | $225,000 | $52,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,205,000 | $92,000 | $135,000 | $51,000 | $67,000 |
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 | 283 | $30,775,000 | $108,000 | $475,000 | $72,000 | $444,000 |
| Application Denied By Financial Institution | 98 | $9,140,000 | $93,000 | $705,000 | $48,000 | $261,000 |
| Application Withdrawn By Applicant | 65 | $8,495,000 | $130,000 | $435,000 | $68,000 | $204,000 |
| Loan Purchased By The Institution | 26 | $3,210,000 | $123,000 | $255,000 | $74,000 | $116,000 |
| File Closed For Incompleteness | 15 | $1,895,000 | $126,000 | $305,000 | $92,000 | $265,000 |
| Application Approved But Not Accepted | 8 | $860,000 | $107,000 | $285,000 | $50,000 | $87,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $41,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 330 | $38,120,000 | $115,000 | $475,000 | $71,000 | $444,000 |
| Debt-To-Income Ratio | 88 | $8,900,000 | $101,000 | $295,000 | $65,000 | $242,000 |
| Credit History | 38 | $2,930,000 | $77,000 | $305,000 | $42,000 | $125,000 |
| Credit Application Incomplete | 15 | $1,605,000 | $107,000 | $205,000 | $62,000 | $187,000 |
| Collateral | 12 | $1,390,000 | $115,000 | $705,000 | $56,000 | $261,000 |
| Other | 11 | $1,285,000 | $116,000 | $265,000 | $54,000 | $166,000 |
| Employment History | 2 | $250,000 | $125,000 | $205,000 | $54,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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