Kossuth County, IA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 282 mortgage applications in Kossuth County, IA totaling $28.2 million, down 24% from 2013. The average application was for $99,000, and applicants reported an average income of $61,000. 61% of applications resulted in an originated loan and 19% were denied. The most active lender was Northwest Bank, with 108 applications, followed by Iowa Bankers Mortgage Corporation and Wells Fargo 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 | 282 |
| Total Mortgage Loan Application Amount | $28,153,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $304,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,334,434,000 | 108 | $ 11,864,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 60 | $ 6,478,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 13 | $ 960,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 539,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 148,146,000 | 5 | $ 405,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 366,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 4 | $ 319,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 456,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 4 | $ 312,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 194,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 321,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 175,432,000 | 3 | $ 197,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 166,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 128,245,000 | 2 | $ 153,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 323,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 283,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 2 | $ 576,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 515,115,000 | 2 | $ 228,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,433,983,000 | 2 | $ 26,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 243,660,000 | 2 | $ 234,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 288,123,000 | 1 | $ 8,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 142,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 95,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 116,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 30,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 41,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 10,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 1 | $ 61,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 78,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 331,183,000 | 1 | $ 149,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 85,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 8,122,963,000 | 1 | $ 9,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 507,879,000 | 1 | $ 62,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 77,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 698,929,000 | 1 | $ 81,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 1 | $ 39,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 66,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,107,977,000 | 1 | $ 30,000 |
| First Farmers & Merchants National Bank 114 SOUTH PARK STREET FAIRMONT, MN 56031 |
* | $ 95,214,000 | 1 | $ 142,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 124,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 48,000 |
The tables below break down 2014 mortgage applications in Kossuth 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 Kossuth County, IA in 2014
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 | 149 | $14,904,000 | $100,000 | $417,000 | $62,000 | $304,000 |
| Refinancing | 116 | $12,614,000 | $108,000 | $359,000 | $60,000 | $169,000 |
| Home Improvement | 17 | $635,000 | $37,000 | $132,000 | $64,000 | $180,000 |
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 | 251 | $25,586,000 | $101,000 | $417,000 | $64,000 | $304,000 |
| Not applicable | 13 | $1,018,000 | $78,000 | $116,000 | $11,000 | $46,000 |
| Not Provided | 11 | $822,000 | $74,000 | $126,000 | $41,000 | $89,000 |
| Asian | 4 | $359,000 | $89,000 | $167,000 | $76,000 | $99,000 |
| Black or African American | 1 | $61,000 | $61,000 | $61,000 | $46,000 | $46,000 |
| Hispanic | 1 | $142,000 | $142,000 | $142,000 | $31,000 | $31,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $101,000 | $101,000 |
| 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) | 201 | $21,064,000 | $104,000 | $417,000 | $70,000 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,164,000 | $83,000 | $126,000 | $33,000 | $98,000 |
| FHA-insured (Federal Housing Administration) | 29 | $2,355,000 | $81,000 | $183,000 | $41,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,570,000 | $112,000 | $238,000 | $55,000 | $111,000 |
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 | 172 | $18,476,000 | $107,000 | $417,000 | $65,000 | $259,000 |
| Application Denied By Financial Institution | 54 | $4,367,000 | $80,000 | $276,000 | $56,000 | $235,000 |
| Application Withdrawn By Applicant | 27 | $2,846,000 | $105,000 | $300,000 | $56,000 | $165,000 |
| Loan Purchased By The Institution | 15 | $1,161,000 | $77,000 | $116,000 | $15,000 | $46,000 |
| File Closed For Incompleteness | 7 | $604,000 | $86,000 | $96,000 | $47,000 | $120,000 |
| Application Approved But Not Accepted | 7 | $699,000 | $99,000 | $171,000 | $132,000 | $304,000 |
| 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 | $1,399,000 | $63,000 | $123,000 | $58,000 | $180,000 |
| Debt-To-Income Ratio | 8 | $853,000 | $106,000 | $276,000 | $56,000 | $101,000 |
| Credit Application Incomplete | 5 | $428,000 | $85,000 | $132,000 | $66,000 | $143,000 |
| Collateral | 3 | $302,000 | $100,000 | $139,000 | $71,000 | $107,000 |
| Other | 3 | $286,000 | $95,000 | $126,000 | $65,000 | $98,000 |
| Unverifiable Information | 2 | $138,000 | $69,000 | $70,000 | $26,000 | $29,000 |
| Employment History | 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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