Kossuth County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 273 mortgage applications in Kossuth County, IA totaling $30.9 million, down 33% from 2022. The average application was for $113,000, and applicants reported an average income of $89,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was Northwest Bank, with 81 applications, followed by Iowa Bankers Mortgage Corporation and Flanagan State 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 | 273 |
| Total Mortgage Loan Application Amount | $30,885,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $1,055,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $854,000 |
* 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 |
|---|---|---|---|---|
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,471,026,000 | 81 | $ 6,405,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 24 | $ 2,960,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 16 | $ 1,520,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 1,380,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 9 | $ 485,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,784,652,000 | 7 | $ 365,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,255,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 6 | $ 190,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 490,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 2,655,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 5 | $ 865,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 5 | $ 955,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 665,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 4 | $ 200,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 340,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 2,035,629,000 | 4 | $ 590,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 4 | $ 470,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 762,741,000 | 3 | $ 445,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 305,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 180,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 220,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 70,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 240,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 230,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 310,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 140,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 210,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 290,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 16,706,914,000 | 1 | $ 1,055,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 1 | $ 95,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 2,331,206,000 | 1 | $ 35,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 65,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 430,704,000 | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 55,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 195,000 |
| South Story Bank & Trust 501 LINN ST SLATER, IA 50244 |
* | $ 437,379,000 | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 135,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 185,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 215,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 105,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 85,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 155,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 175,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 4,700,520,000 | 1 | $ 495,000 |
| First State Bank 413 EAST ST LYNNVILLE, IA 50153 |
* | $ 319,422,000 | 1 | $ 65,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 3,010,410,000 | 1 | $ 25,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,918,861,000 | 1 | $ 55,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 95,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 1 | $ 265,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 125,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 1 | $ 145,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 145,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 195,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 1 | $ 95,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 55,000 |
The tables below break down 2023 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 2023
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 | 168 | $23,710,000 | $141,000 | $1,055,000 | $80,000 | $336,000 |
| Home Improvement | 48 | $1,660,000 | $34,000 | $125,000 | $92,000 | $229,000 |
| Cash-out Refinancing | 20 | $2,090,000 | $104,000 | $195,000 | $106,000 | $854,000 |
| Other Purpose | 19 | $1,155,000 | $60,000 | $295,000 | $99,000 | $343,000 |
| Refinancing | 18 | $2,270,000 | $126,000 | $605,000 | $121,000 | $441,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 210 | $24,210,000 | $115,000 | $785,000 | $93,000 | $854,000 |
| Not applicable | 27 | $3,575,000 | $132,000 | $1,055,000 | $81,000 | $81,000 |
| Not Provided | 17 | $1,295,000 | $76,000 | $195,000 | $67,000 | $124,000 |
| Hispanic | 13 | $1,385,000 | $106,000 | $185,000 | $65,000 | $98,000 |
| Black or African American | 4 | $290,000 | $72,000 | $155,000 | $83,000 | $185,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $85,000 | $63,000 | $82,000 |
| Asian | 0 | $0 | $0 | $0 | $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) | 186 | $21,050,000 | $113,000 | $1,055,000 | $102,000 | $854,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,595,000 | $92,000 | $215,000 | $54,000 | $113,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,785,000 | $122,000 | $275,000 | $52,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,455,000 | $144,000 | $325,000 | $66,000 | $138,000 |
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 | 171 | $20,765,000 | $121,000 | $1,055,000 | $98,000 | $854,000 |
| Application Withdrawn By Applicant | 33 | $3,765,000 | $114,000 | $715,000 | $80,000 | $199,000 |
| Application Denied By Financial Institution | 26 | $2,600,000 | $100,000 | $595,000 | $62,000 | $276,000 |
| Loan Purchased By The Institution | 26 | $2,720,000 | $104,000 | $185,000 | $71,000 | $83,000 |
| Application Approved But Not Accepted | 8 | $270,000 | $33,000 | $45,000 | $82,000 | $110,000 |
| File Closed For Incompleteness | 6 | $410,000 | $68,000 | $115,000 | $35,000 | $52,000 |
| Preapproval Approved but not Accepted | 2 | $270,000 | $135,000 | $175,000 | $78,000 | $127,000 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $54,000 | $54,000 |
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 | 242 | $27,620,000 | $114,000 | $1,055,000 | $88,000 | $441,000 |
| Credit History | 11 | $885,000 | $80,000 | $175,000 | $83,000 | $276,000 |
| Debt-To-Income Ratio | 8 | $900,000 | $112,000 | $355,000 | $167,000 | $854,000 |
| Collateral | 5 | $865,000 | $173,000 | $595,000 | $54,000 | $93,000 |
| Credit Application Incomplete | 3 | $275,000 | $91,000 | $105,000 | $45,000 | $50,000 |
| Other | 2 | $170,000 | $85,000 | $85,000 | $99,000 | $99,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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