Midwestone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Midwestone Bank 2021 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 | Midwestone Bank 102 South Clinton Street Iowa City, IA 52240 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 | 3,851 |
| Total Mortgage Loan Application Amount | $836,865,000 |
| Average Mortgage Loan Application Amount | $184,600 |
| Highest Mortgage Loan Application Amount | $35,515,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $5,970,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Midwestone Bank. 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 Midwestone Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Midwestone Bank'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 Midwestone Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Midwestone Bank, 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 Midwestone Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dubuque County Iowa | 1,039 | $ 220,975,000 | $ 212,000 | $ 100,000 |
| Johnson County Iowa | 456 | $ 102,600,000 | $ 225,000 | $ 127,000 |
| Grant County Wisconsin | 161 | $ 20,505,000 | $ 127,000 | $ 80,000 |
| Hennepin County Minnesota | 146 | $ 51,570,000 | $ 353,000 | $ 170,000 |
| Washington County Minnesota | 122 | $ 25,860,000 | $ 211,000 | $ 140,000 |
| Polk County Wisconsin | 104 | $ 15,210,000 | $ 146,000 | $ 123,000 |
| Mahaska County Iowa | 98 | $ 9,350,000 | $ 95,000 | $ 75,000 |
| St. Croix County Wisconsin | 91 | $ 24,515,000 | $ 269,000 | $ 119,000 |
| Keokuk County Iowa | 88 | $ 7,230,000 | $ 82,000 | $ 65,000 |
| Des Moines County Iowa | 79 | $ 9,395,000 | $ 118,000 | $ 71,000 |
| Polk County Iowa | 79 | $ 17,735,000 | $ 224,000 | $ 120,000 |
| Chisago County Minnesota | 78 | $ 7,460,000 | $ 95,000 | $ 90,000 |
| Anoka County Minnesota | 67 | $ 11,275,000 | $ 168,000 | $ 102,000 |
| Jefferson County Iowa | 61 | $ 5,605,000 | $ 91,000 | $ 87,000 |
| Muscatine County Iowa | 59 | $ 11,195,000 | $ 189,000 | $ 65,000 |
| Wright County Minnesota | 55 | $ 9,905,000 | $ 180,000 | $ 107,000 |
| Marion County Iowa | 54 | $ 26,740,000 | $ 495,000 | $ 101,000 |
| Ramsey County Minnesota | 53 | $ 58,295,000 | $ 1,099,000 | $ 95,000 |
| Delaware County Iowa | 49 | $ 8,505,000 | $ 173,000 | $ 128,000 |
| Butler County Iowa | 47 | $ 5,045,000 | $ 107,000 | $ 88,000 |
| Black Hawk County Iowa | 46 | $ 9,450,000 | $ 205,000 | $ 76,000 |
| Jo Daviess County Illinois | 43 | $ 8,015,000 | $ 186,000 | $ 110,000 |
| Dakota County Minnesota | 43 | $ 7,975,000 | $ 185,000 | $ 94,000 |
| Lee County Iowa | 41 | $ 3,535,000 | $ 86,000 | $ 77,000 |
| Linn County Iowa | 41 | $ 5,755,000 | $ 140,000 | $ 117,000 |
| Marshall County Iowa | 37 | $ 3,845,000 | $ 103,000 | $ 80,000 |
| Grundy County Iowa | 34 | $ 3,240,000 | $ 95,000 | $ 63,000 |
| Jackson County Iowa | 31 | $ 4,775,000 | $ 154,000 | $ 124,000 |
| Collier County Florida | 30 | $ 11,080,000 | $ 369,000 | $ 223,000 |
| Sherburne County Minnesota | 29 | $ 5,105,000 | $ 176,000 | $ 98,000 |
| Iowa County Iowa | 28 | $ 2,060,000 | $ 73,000 | $ 58,000 |
| Benton County Iowa | 25 | $ 2,245,000 | $ 89,000 | $ 96,000 |
| Lee County Florida | 23 | $ 6,275,000 | $ 272,000 | $ 424,000 |
| Dallas County Iowa | 22 | $ 4,110,000 | $ 186,000 | $ 149,000 |
| Cedar County Iowa | 18 | $ 2,720,000 | $ 151,000 | $ 76,000 |
| Burnett County Wisconsin | 17 | $ 3,265,000 | $ 192,000 | $ 160,000 |
| Hardin County Iowa | 16 | $ 1,840,000 | $ 115,000 | $ 94,000 |
| Lafayette County Wisconsin | 16 | $ 2,020,000 | $ 126,000 | $ 72,000 |
| Clayton County Iowa | 14 | $ 2,300,000 | $ 164,000 | $ 90,000 |
| Scott County Iowa | 12 | $ 2,140,000 | $ 178,000 | $ 149,000 |
| Pierce County Wisconsin | 12 | $ 5,530,000 | $ 460,000 | $ 341,000 |
| Washington County Iowa | 11 | $ 1,515,000 | $ 137,000 | $ 94,000 |
| Story County Iowa | 10 | $ 1,250,000 | $ 125,000 | $ 82,000 |
| Denver County Colorado | 9 | $ 2,125,000 | $ 236,000 | $ 162,000 |
| Louisa County Iowa | 9 | $ 545,000 | $ 60,000 | $ 66,000 |
| Carver County Minnesota | 9 | $ 2,665,000 | $ 296,000 | $ 242,000 |
| Isanti County Minnesota | 9 | $ 2,015,000 | $ 223,000 | $ 110,000 |
| Jones County Iowa | 8 | $ 2,000,000 | $ 250,000 | $ 113,000 |
| Van Buren County Iowa | 8 | $ 460,000 | $ 57,000 | $ 91,000 |
| Wapello County Iowa | 8 | $ 3,030,000 | $ 378,000 | $ 93,000 |
| Jasper County Iowa | 7 | $ 1,065,000 | $ 152,000 | $ 136,000 |
| Douglas County Colorado | 6 | $ 2,180,000 | $ 363,000 | $ 328,000 |
| Barron County Wisconsin | 6 | $ 770,000 | $ 128,000 | $ 93,000 |
| Dane County Wisconsin | 6 | $ 22,480,000 | $ 3,746,000 | $ 156,000 |
| Iowa County Wisconsin | 6 | $ 840,000 | $ 140,000 | $ 67,000 |
| Poweshiek County Iowa | 5 | $ 665,000 | $ 133,000 | $ 56,000 |
| Tama County Iowa | 5 | $ 525,000 | $ 105,000 | $ 66,000 |
| Warren County Iowa | 5 | $ 1,735,000 | $ 347,000 | $ 77,000 |
| Aitkin County Minnesota | 5 | $ 1,475,000 | $ 295,000 | $ 133,000 |
| Crow Wing County Minnesota | 5 | $ 1,475,000 | $ 295,000 | $ 185,000 |
| Scott County Minnesota | 5 | $ 715,000 | $ 143,000 | $ 157,000 |
| Sawyer County Wisconsin | 5 | $ 3,965,000 | $ 793,000 | $ 522,000 |
| Arapahoe County Colorado | 4 | $ 760,000 | $ 190,000 | $ 48,000 |
| Cook County Illinois | 4 | $ 2,390,000 | $ 597,000 | $ 268,000 |
| Monroe County Iowa | 4 | $ 290,000 | $ 72,000 | $ 50,000 |
| Cass County Minnesota | 4 | $ 810,000 | $ 202,000 | $ 194,000 |
| Kanabec County Minnesota | 4 | $ 540,000 | $ 135,000 | $ 57,000 |
| Pine County Minnesota | 4 | $ 690,000 | $ 172,000 | $ 107,000 |
| Jefferson County Colorado | 3 | $ 795,000 | $ 265,000 | $ 136,000 |
| Hancock County Illinois | 3 | $ 65,000 | $ 21,000 | $ 84,000 |
| Chickasaw County Iowa | 3 | $ 205,000 | $ 68,000 | $ 36,000 |
| Clinton County Iowa | 3 | $ 955,000 | $ 318,000 | $ 60,000 |
| Le Sueur County Minnesota | 3 | $ 725,000 | $ 241,000 | $ 89,000 |
| Stearns County Minnesota | 3 | $ 295,000 | $ 98,000 | $ 72,000 |
| Columbia County Wisconsin | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Milwaukee County Wisconsin | 3 | $ 405,000 | $ 135,000 | $ 101,000 |
| Charlotte County Florida | 2 | $ 290,000 | $ 145,000 | $ 18,000 |
| Pinellas County Florida | 2 | $ 430,000 | $ 215,000 | $ 205,000 |
| Adair County Iowa | 2 | $ 270,000 | $ 135,000 | $ 137,000 |
| Henry County Iowa | 2 | $ 270,000 | $ 135,000 | $ 113,000 |
| Madison County Iowa | 2 | $ 600,000 | $ 300,000 | $ 125,000 |
| Lake County Minnesota | 2 | $ 770,000 | $ 385,000 | $ 155,000 |
| Mille Lacs County Minnesota | 2 | $ 420,000 | $ 210,000 | $ 96,000 |
| Rice County Minnesota | 2 | $ 720,000 | $ 360,000 | $ 29,000 |
| Harris County Texas | 2 | $ 1,600,000 | $ 800,000 | $ 2,681,000 |
| Brown County Wisconsin | 2 | $ 290,000 | $ 145,000 | $ 98,000 |
| Dunn County Wisconsin | 2 | $ 2,700,000 | $ 1,350,000 | $ 49,000 |
| Vernon County Wisconsin | 2 | $ 890,000 | $ 445,000 | $ 168,000 |
| Washburn County Wisconsin | 2 | $ 630,000 | $ 315,000 | $ 62,000 |
| Washington County Wisconsin | 2 | $ 650,000 | $ 325,000 | $ 121,000 |
| Gila County Arizona | 1 | $ 365,000 | $ 365,000 | $ 348,000 |
| Maricopa County Arizona | 1 | $ 805,000 | $ 805,000 | $ 706,000 |
| Pinal County Arizona | 1 | $ 45,000 | $ 45,000 | $ 99,000 |
| Chaffee County Colorado | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Clear Creek County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| El Paso County Colorado | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 805,000 | $ 805,000 | $ 0 |
| San Miguel County Colorado | 1 | $ 635,000 | $ 635,000 | $ 90,000 |
| Summit County Colorado | 1 | $ 355,000 | $ 355,000 | $ 181,000 |
| Brevard County Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Citrus County Florida | 1 | $ 255,000 | $ 255,000 | $ 542,000 |
| Marion County Florida | 1 | $ 425,000 | $ 425,000 | $ 223,000 |
| Miami-Dade County Florida | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Okaloosa County Florida | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
| Pasco County Florida | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Sumter County Florida | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Volusia County Florida | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| DuPage County Illinois | 1 | $ 355,000 | $ 355,000 | $ 110,000 |
| Lake County Illinois | 1 | $ 395,000 | $ 395,000 | $ 247,000 |
| McDonough County Illinois | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Whiteside County Illinois | 1 | $ 215,000 | $ 215,000 | $ 39,000 |
| Will County Illinois | 1 | $ 165,000 | $ 165,000 | $ 175,000 |
| Allamakee County Iowa | 1 | $ 205,000 | $ 205,000 | $ 156,000 |
| Appanoose County Iowa | 1 | $ 305,000 | $ 305,000 | $ 108,000 |
| Bremer County Iowa | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Buchanan County Iowa | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Calhoun County Iowa | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Cass County Iowa | 1 | $ 25,000 | $ 25,000 | $ 157,000 |
| Davis County Iowa | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Decatur County Iowa | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Dickinson County Iowa | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Emmet County Iowa | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Kossuth County Iowa | 1 | $ 35,000 | $ 35,000 | $ 109,000 |
| Shelby County Iowa | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Taylor County Iowa | 1 | $ 225,000 | $ 225,000 | $ 170,000 |
| Wright County Iowa | 1 | $ 205,000 | $ 205,000 | $ 183,000 |
| Montgomery County Maryland | 1 | $ 565,000 | $ 565,000 | $ 123,000 |
| Douglas County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Goodhue County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Hubbard County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Itasca County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 348,000 |
| Kandiyohi County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| McLeod County Minnesota | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Morrison County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| St. Louis County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 158,000 |
| St. Charles County Missouri | 1 | $ 455,000 | $ 455,000 | $ 145,000 |
| Douglas County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Moore County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cass County North Dakota | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Adams County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Bayfield County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 329,000 |
| Clark County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 650,000 |
| Crawford County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Douglas County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 145,000 |
| Eau Claire County Wisconsin | 1 | $ 1,225,000 | $ 1,225,000 | $ 825,000 |
| Green County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 179,000 |
| Manitowoc County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Marinette County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 200,000 |
| Oneida County Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 272,000 |
| Price County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 156,000 |
| Rock County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Sauk County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Walworth County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 153,000 |
| Waukesha County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Midwestone Bank in 2021
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 | 1,486 | $333,600,000 | $224,000 | $18,305,000 | $113,000 | $5,183,000 |
| Home Purchase | 981 | $329,345,000 | $335,000 | $35,515,000 | $109,000 | $5,970,000 |
| Other Purpose | 677 | $58,935,000 | $87,000 | $1,005,000 | $114,000 | $1,123,000 |
| Cash-out Refinancing | 465 | $99,665,000 | $214,000 | $1,505,000 | $118,000 | $1,376,000 |
| Home Improvement | 242 | $15,320,000 | $63,000 | $2,005,000 | $101,000 | $538,000 |
| 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 | 3,048 | $512,380,000 | $168,000 | $2,005,000 | $112,000 | $5,970,000 |
| Not Provided | 417 | $52,665,000 | $126,000 | $1,085,000 | $117,000 | $1,114,000 |
| Not applicable | 150 | $232,300,000 | $1,548,000 | $35,515,000 | $0 | $0 |
| Hispanic | 102 | $14,320,000 | $140,000 | $545,000 | $74,000 | $275,000 |
| Black or African American | 72 | $12,510,000 | $173,000 | $425,000 | $92,000 | $538,000 |
| Asian | 35 | $7,945,000 | $227,000 | $1,005,000 | $179,000 | $1,259,000 |
| American Indian or Alaskan Native | 16 | $3,060,000 | $191,000 | $505,000 | $84,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $635,000 | $211,000 | $405,000 | $130,000 | $216,000 |
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) | 3,836 | $834,510,000 | $217,000 | $35,515,000 | $112,000 | $5,970,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,640,000 | $136,000 | $295,000 | $51,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 3 | $715,000 | $238,000 | $265,000 | $43,000 | $48,000 |
| 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 | 3,061 | $704,825,000 | $230,000 | $35,515,000 | $116,000 | $5,970,000 |
| Application Denied By Financial Institution | 395 | $46,395,000 | $117,000 | $2,005,000 | $76,000 | $1,200,000 |
| Application Withdrawn By Applicant | 271 | $60,625,000 | $223,000 | $10,005,000 | $115,000 | $879,000 |
| Application Approved But Not Accepted | 68 | $11,850,000 | $174,000 | $755,000 | $126,000 | $1,259,000 |
| File Closed For Incompleteness | 47 | $11,125,000 | $236,000 | $525,000 | $119,000 | $696,000 |
| Loan Purchased By The Institution | 9 | $2,045,000 | $227,000 | $305,000 | $53,000 | $80,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,456 | $790,470,000 | $228,000 | $35,515,000 | $116,000 | $5,970,000 |
| Debt-To-Income Ratio | 138 | $19,540,000 | $141,000 | $755,000 | $56,000 | $200,000 |
| Credit History | 115 | $11,455,000 | $99,000 | $725,000 | $78,000 | $360,000 |
| Collateral | 79 | $7,255,000 | $91,000 | $855,000 | $86,000 | $1,200,000 |
| Credit Application Incomplete | 29 | $3,045,000 | $105,000 | $505,000 | $135,000 | $844,000 |
| Other | 18 | $1,290,000 | $71,000 | $345,000 | $96,000 | $264,000 |
| Employment History | 9 | $1,045,000 | $116,000 | $305,000 | $31,000 | $117,000 |
| Unverifiable Information | 6 | $2,560,000 | $426,000 | $2,005,000 | $89,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $70,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midwestone Bank's 2021 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 Midwestone Bank'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.
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