Community 1St Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Community 1St Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Community 1St Credit Union 1030 Sierra Dr Ne Ottumwa, IA 52402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,560 |
| Total Mortgage Loan Application Amount | $139,990,000 |
| Average Mortgage Loan Application Amount | $120,250 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $84,750 |
| Highest Applicant Income | $1,727,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Community 1St Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Community 1St Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Community 1St Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Community 1St Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Community 1St Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Community 1St Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wapello County Iowa | 311 | $ 23,415,000 | $ 75,000 | $ 70,000 |
| Mahaska County Iowa | 155 | $ 12,805,000 | $ 82,000 | $ 90,000 |
| Appanoose County Iowa | 119 | $ 11,475,000 | $ 96,000 | $ 75,000 |
| Marion County Iowa | 112 | $ 10,510,000 | $ 93,000 | $ 99,000 |
| Jefferson County Iowa | 84 | $ 7,770,000 | $ 92,000 | $ 69,000 |
| Monroe County Iowa | 80 | $ 9,550,000 | $ 119,000 | $ 104,000 |
| Warren County Iowa | 69 | $ 7,115,000 | $ 103,000 | $ 94,000 |
| Lucas County Iowa | 67 | $ 5,365,000 | $ 80,000 | $ 91,000 |
| Linn County Iowa | 51 | $ 4,465,000 | $ 87,000 | $ 74,000 |
| Poweshiek County Iowa | 51 | $ 5,905,000 | $ 115,000 | $ 120,000 |
| Davis County Iowa | 47 | $ 5,255,000 | $ 111,000 | $ 144,000 |
| Clarke County Iowa | 39 | $ 3,375,000 | $ 86,000 | $ 125,000 |
| Washington County Iowa | 37 | $ 3,035,000 | $ 82,000 | $ 64,000 |
| Henry County Iowa | 35 | $ 3,385,000 | $ 96,000 | $ 79,000 |
| Cass County Iowa | 30 | $ 2,660,000 | $ 88,000 | $ 91,000 |
| Polk County Iowa | 29 | $ 3,335,000 | $ 115,000 | $ 97,000 |
| Wayne County Iowa | 28 | $ 2,190,000 | $ 78,000 | $ 77,000 |
| Keokuk County Iowa | 27 | $ 1,705,000 | $ 63,000 | $ 49,000 |
| Jasper County Iowa | 23 | $ 1,605,000 | $ 69,000 | $ 72,000 |
| Van Buren County Iowa | 21 | $ 1,545,000 | $ 73,000 | $ 70,000 |
| Decatur County Iowa | 19 | $ 1,915,000 | $ 100,000 | $ 67,000 |
| Union County Iowa | 14 | $ 730,000 | $ 52,000 | $ 139,000 |
| Iowa County Iowa | 10 | $ 920,000 | $ 92,000 | $ 72,000 |
| Johnson County Iowa | 10 | $ 1,560,000 | $ 156,000 | $ 85,000 |
| Benton County Iowa | 8 | $ 990,000 | $ 123,000 | $ 67,000 |
| Ringgold County Iowa | 8 | $ 990,000 | $ 123,000 | $ 93,000 |
| Tama County Iowa | 7 | $ 465,000 | $ 66,000 | $ 61,000 |
| Des Moines County Iowa | 6 | $ 600,000 | $ 100,000 | $ 70,000 |
| Lee County Iowa | 6 | $ 580,000 | $ 96,000 | $ 65,000 |
| Page County Iowa | 6 | $ 330,000 | $ 55,000 | $ 236,000 |
| Putnam County Missouri | 6 | $ 730,000 | $ 121,000 | $ 72,000 |
| Audubon County Iowa | 5 | $ 375,000 | $ 75,000 | $ 115,000 |
| Madison County Iowa | 5 | $ 285,000 | $ 57,000 | $ 101,000 |
| Louisa County Iowa | 4 | $ 450,000 | $ 112,000 | $ 78,000 |
| Scott County Iowa | 3 | $ 145,000 | $ 48,000 | $ 187,000 |
| Story County Iowa | 3 | $ 145,000 | $ 48,000 | $ 126,000 |
| Buchanan County Iowa | 2 | $ 140,000 | $ 70,000 | $ 469,000 |
| Marshall County Iowa | 2 | $ 170,000 | $ 85,000 | $ 208,000 |
| Mills County Iowa | 2 | $ 230,000 | $ 115,000 | $ 92,000 |
| Montgomery County Iowa | 2 | $ 140,000 | $ 70,000 | $ 40,000 |
| Adams County Iowa | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Carroll County Iowa | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Cedar County Iowa | 1 | $ 45,000 | $ 45,000 | $ 131,000 |
| Delaware County Iowa | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Franklin County Iowa | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Fremont County Iowa | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Greene County Iowa | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Guthrie County Iowa | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Muscatine County Iowa | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Pottawattamie County Iowa | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Shelby County Iowa | 1 | $ 45,000 | $ 45,000 | $ 126,000 |
| Taylor County Iowa | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Woodbury County Iowa | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Worth County Iowa | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Camden County Missouri | 1 | $ 395,000 | $ 395,000 | $ 250,000 |
| Mercer County Missouri | 1 | $ 15,000 | $ 15,000 | $ 76,000 |
| Schuyler County Missouri | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Community 1St Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 784 | $43,230,000 | $55,000 | $685,000 | $99,000 | $1,727,000 |
| Home Purchase | 531 | $68,575,000 | $129,000 | $915,000 | $77,000 | $999,000 |
| Refinancing | 227 | $24,785,000 | $109,000 | $605,000 | $70,000 | $470,000 |
| Home Improvement | 18 | $3,400,000 | $188,000 | $415,000 | $93,000 | $177,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,367 | $124,565,000 | $91,000 | $915,000 | $88,000 | $1,727,000 |
| Hispanic | 91 | $7,125,000 | $78,000 | $285,000 | $62,000 | $282,000 |
| Not Provided | 60 | $4,210,000 | $70,000 | $255,000 | $98,000 | $599,000 |
| Asian | 18 | $2,090,000 | $116,000 | $285,000 | $90,000 | $175,000 |
| Black or African American | 14 | $1,150,000 | $82,000 | $185,000 | $57,000 | $132,000 |
| American Indian or Alaskan Native | 5 | $575,000 | $115,000 | $215,000 | $72,000 | $141,000 |
| Not applicable | 3 | $215,000 | $71,000 | $85,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $41,000 | $41,000 |
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) | 1,560 | $139,990,000 | $89,000 | $915,000 | $87,000 | $1,727,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,110 | $104,050,000 | $93,000 | $915,000 | $85,000 | $999,000 |
| Application Withdrawn By Applicant | 274 | $21,790,000 | $79,000 | $505,000 | $103,000 | $1,727,000 |
| Application Denied By Financial Institution | 134 | $9,680,000 | $72,000 | $325,000 | $79,000 | $883,000 |
| File Closed For Incompleteness | 24 | $2,230,000 | $92,000 | $415,000 | $61,000 | $168,000 |
| Preapproval Approved but not Accepted | 8 | $1,320,000 | $165,000 | $295,000 | $77,000 | $121,000 |
| Preapproval Denied by Financial Institution | 5 | $305,000 | $61,000 | $125,000 | $46,000 | $86,000 |
| Application Approved But Not Accepted | 5 | $615,000 | $123,000 | $245,000 | $93,000 | $132,000 |
| Loan Purchased By The 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 | 1,421 | $130,005,000 | $91,000 | $915,000 | $88,000 | $1,727,000 |
| Credit History | 64 | $3,620,000 | $56,000 | $215,000 | $105,000 | $883,000 |
| Debt-To-Income Ratio | 44 | $3,590,000 | $81,000 | $295,000 | $49,000 | $127,000 |
| Collateral | 18 | $1,790,000 | $99,000 | $325,000 | $65,000 | $204,000 |
| Employment History | 4 | $290,000 | $72,000 | $95,000 | $85,000 | $282,000 |
| Unverifiable Information | 4 | $130,000 | $32,000 | $55,000 | $61,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $270,000 | $135,000 | $205,000 | $37,000 | $49,000 |
| Other | 2 | $180,000 | $90,000 | $105,000 | $47,000 | $60,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community 1St Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Community 1St Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.