Midwestone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Midwestone Bank 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 | 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 | 2,478 |
| Total Mortgage Loan Application Amount | $492,090,000 |
| Average Mortgage Loan Application Amount | $186,600 |
| Highest Mortgage Loan Application Amount | $35,425,000 |
| Average Applicant Income | $120,800 |
| Highest Applicant Income | $2,428,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 430 | $ 62,270,000 | $ 144,000 | $ 120,000 |
| Johnson County Iowa | 267 | $ 91,385,000 | $ 342,000 | $ 138,000 |
| Hennepin County Minnesota | 133 | $ 29,755,000 | $ 223,000 | $ 160,000 |
| Grant County Wisconsin | 100 | $ 10,630,000 | $ 106,000 | $ 75,000 |
| Washington County Minnesota | 88 | $ 17,070,000 | $ 193,000 | $ 159,000 |
| Lee County Florida | 75 | $ 37,435,000 | $ 499,000 | $ 136,000 |
| Muscatine County Iowa | 69 | $ 8,085,000 | $ 117,000 | $ 107,000 |
| Mahaska County Iowa | 68 | $ 6,520,000 | $ 95,000 | $ 84,000 |
| Jefferson County Iowa | 67 | $ 5,805,000 | $ 86,000 | $ 73,000 |
| St. Croix County Wisconsin | 66 | $ 20,670,000 | $ 313,000 | $ 163,000 |
| Anoka County Minnesota | 65 | $ 9,315,000 | $ 143,000 | $ 123,000 |
| Polk County Wisconsin | 58 | $ 9,890,000 | $ 170,000 | $ 101,000 |
| Chisago County Minnesota | 54 | $ 6,410,000 | $ 118,000 | $ 148,000 |
| Ramsey County Minnesota | 52 | $ 10,400,000 | $ 200,000 | $ 125,000 |
| Black Hawk County Iowa | 46 | $ 5,550,000 | $ 120,000 | $ 79,000 |
| Wright County Minnesota | 44 | $ 6,750,000 | $ 153,000 | $ 109,000 |
| Polk County Iowa | 38 | $ 8,540,000 | $ 224,000 | $ 116,000 |
| Linn County Iowa | 37 | $ 6,805,000 | $ 183,000 | $ 141,000 |
| Lee County Iowa | 35 | $ 3,005,000 | $ 85,000 | $ 69,000 |
| Marshall County Iowa | 35 | $ 3,355,000 | $ 95,000 | $ 83,000 |
| Des Moines County Iowa | 34 | $ 2,200,000 | $ 64,000 | $ 79,000 |
| Keokuk County Iowa | 33 | $ 2,515,000 | $ 76,000 | $ 71,000 |
| Collier County Florida | 32 | $ 8,390,000 | $ 262,000 | $ 162,000 |
| Marion County Iowa | 32 | $ 4,980,000 | $ 155,000 | $ 143,000 |
| Butler County Iowa | 30 | $ 4,090,000 | $ 136,000 | $ 94,000 |
| Dakota County Minnesota | 29 | $ 7,765,000 | $ 267,000 | $ 169,000 |
| Grundy County Iowa | 28 | $ 2,550,000 | $ 91,000 | $ 97,000 |
| Sherburne County Minnesota | 28 | $ 5,370,000 | $ 191,000 | $ 167,000 |
| Delaware County Iowa | 27 | $ 4,145,000 | $ 153,000 | $ 105,000 |
| Iowa County Iowa | 25 | $ 3,205,000 | $ 128,000 | $ 96,000 |
| Dallas County Iowa | 21 | $ 3,575,000 | $ 170,000 | $ 168,000 |
| Jo Daviess County Illinois | 20 | $ 2,890,000 | $ 144,000 | $ 120,000 |
| Benton County Iowa | 18 | $ 1,280,000 | $ 71,000 | $ 67,000 |
| Denver County Colorado | 14 | $ 9,550,000 | $ 682,000 | $ 84,000 |
| Scott County Iowa | 13 | $ 2,475,000 | $ 190,000 | $ 109,000 |
| Jackson County Iowa | 11 | $ 1,375,000 | $ 125,000 | $ 75,000 |
| Jones County Iowa | 11 | $ 1,885,000 | $ 171,000 | $ 96,000 |
| Poweshiek County Iowa | 11 | $ 1,705,000 | $ 155,000 | $ 145,000 |
| Cedar County Iowa | 10 | $ 2,280,000 | $ 228,000 | $ 113,000 |
| Wapello County Iowa | 10 | $ 810,000 | $ 81,000 | $ 95,000 |
| Lafayette County Wisconsin | 9 | $ 925,000 | $ 102,000 | $ 87,000 |
| Jasper County Iowa | 8 | $ 640,000 | $ 80,000 | $ 82,000 |
| Warren County Iowa | 8 | $ 2,890,000 | $ 361,000 | $ 107,000 |
| Louisa County Iowa | 6 | $ 580,000 | $ 96,000 | $ 106,000 |
| Washington County Iowa | 6 | $ 930,000 | $ 155,000 | $ 178,000 |
| Iowa County Wisconsin | 6 | $ 660,000 | $ 110,000 | $ 73,000 |
| Jefferson County Colorado | 5 | $ 715,000 | $ 143,000 | $ 122,000 |
| Henry County Iowa | 5 | $ 875,000 | $ 175,000 | $ 151,000 |
| Story County Iowa | 5 | $ 325,000 | $ 65,000 | $ 123,000 |
| Tama County Iowa | 5 | $ 465,000 | $ 93,000 | $ 94,000 |
| Carver County Minnesota | 5 | $ 2,305,000 | $ 461,000 | $ 205,000 |
| Pierce County Wisconsin | 5 | $ 1,195,000 | $ 239,000 | $ 123,000 |
| Arapahoe County Colorado | 4 | $ 750,000 | $ 187,000 | $ 151,000 |
| Summit County Colorado | 4 | $ 7,080,000 | $ 1,770,000 | $ 590,000 |
| Clayton County Iowa | 4 | $ 730,000 | $ 182,000 | $ 77,000 |
| Guthrie County Iowa | 4 | $ 390,000 | $ 97,000 | $ 74,000 |
| Hardin County Iowa | 4 | $ 490,000 | $ 122,000 | $ 113,000 |
| Crow Wing County Minnesota | 4 | $ 1,890,000 | $ 472,000 | $ 190,000 |
| Mille Lacs County Minnesota | 4 | $ 530,000 | $ 132,000 | $ 213,000 |
| Scott County Minnesota | 4 | $ 230,000 | $ 57,000 | $ 102,000 |
| Burnett County Wisconsin | 4 | $ 720,000 | $ 180,000 | $ 78,000 |
| Broward County Florida | 3 | $ 755,000 | $ 251,000 | $ 255,000 |
| Clinton County Iowa | 3 | $ 965,000 | $ 321,000 | $ 149,000 |
| Aitkin County Minnesota | 3 | $ 915,000 | $ 305,000 | $ 187,000 |
| Pine County Minnesota | 3 | $ 915,000 | $ 305,000 | $ 65,000 |
| Douglas County Wisconsin | 3 | $ 195,000 | $ 65,000 | $ 156,000 |
| Adams County Colorado | 2 | $ 190,000 | $ 95,000 | $ 120,000 |
| Douglas County Colorado | 2 | $ 730,000 | $ 365,000 | $ 306,000 |
| Charlotte County Florida | 2 | $ 680,000 | $ 340,000 | $ 159,000 |
| Hendry County Florida | 2 | $ 230,000 | $ 115,000 | $ 78,000 |
| Manatee County Florida | 2 | $ 820,000 | $ 410,000 | $ 524,000 |
| Pinellas County Florida | 2 | $ 280,000 | $ 140,000 | $ 275,000 |
| Polk County Florida | 2 | $ 150,000 | $ 75,000 | $ 70,000 |
| Hancock County Illinois | 2 | $ 180,000 | $ 90,000 | $ 64,000 |
| Rock Island County Illinois | 2 | $ 810,000 | $ 405,000 | $ 135,000 |
| Bremer County Iowa | 2 | $ 110,000 | $ 55,000 | $ 106,000 |
| Buchanan County Iowa | 2 | $ 170,000 | $ 85,000 | $ 94,000 |
| Cerro Gordo County Iowa | 2 | $ 270,000 | $ 135,000 | $ 102,000 |
| Wayne County Iowa | 2 | $ 210,000 | $ 105,000 | $ 97,000 |
| Meeker County Minnesota | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Clay County Missouri | 2 | $ 620,000 | $ 310,000 | $ 227,000 |
| Crawford County Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 67,000 |
| Dunn County Wisconsin | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Milwaukee County Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 91,000 |
| Gila County Arizona | 1 | $ 895,000 | $ 895,000 | $ 267,000 |
| Maricopa County Arizona | 1 | $ 395,000 | $ 395,000 | $ 128,000 |
| Los Angeles County California | 1 | $ 3,825,000 | $ 3,825,000 | $ 999,000 |
| Chaffee County Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Grand County Colorado | 1 | $ 945,000 | $ 945,000 | $ 201,000 |
| Pitkin County Colorado | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Routt County Colorado | 1 | $ 855,000 | $ 855,000 | $ 981,000 |
| Citrus County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Duval County Florida | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Monroe County Florida | 1 | $ 505,000 | $ 505,000 | $ 256,000 |
| Orange County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Pasco County Florida | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Walton County Florida | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Carroll County Illinois | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Cook County Illinois | 1 | $ 3,505,000 | $ 3,505,000 | $ 0 |
| Henderson County Illinois | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Kane County Illinois | 1 | $ 295,000 | $ 295,000 | $ 229,000 |
| Knox County Illinois | 1 | $ 565,000 | $ 565,000 | $ 382,000 |
| McHenry County Illinois | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Peoria County Illinois | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Stephenson County Illinois | 1 | $ 405,000 | $ 405,000 | $ 199,000 |
| Appanoose County Iowa | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Boone County Iowa | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Chickasaw County Iowa | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Davis County Iowa | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Fayette County Iowa | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Franklin County Iowa | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Madison County Iowa | 1 | $ 75,000 | $ 75,000 | $ 169,000 |
| Monroe County Iowa | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Van Buren County Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Livingston County Michigan | 1 | $ 1,075,000 | $ 1,075,000 | $ 922,000 |
| Cass County Minnesota | 1 | $ 715,000 | $ 715,000 | $ 475,000 |
| Douglas County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Isanti County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Itasca County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Kanabec County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 25,000 |
| Pope County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| St. Louis County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 202,000 |
| Barron County Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Bayfield County Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 222,000 |
| Clark County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Columbia County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Dodge County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fond du Lac County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Jefferson County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Manitowoc County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Rock County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Vilas County Wisconsin | 1 | $ 1,005,000 | $ 1,005,000 | $ 526,000 |
| Washburn County Wisconsin | 1 | $ 755,000 | $ 755,000 | $ 80,000 |
| Winnebago County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Midwestone Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 737 | $255,545,000 | $346,000 | $35,425,000 | $125,000 | $2,428,000 |
| Other Purpose | 674 | $65,550,000 | $97,000 | $1,005,000 | $125,000 | $2,330,000 |
| Refinancing | 615 | $104,085,000 | $169,000 | $3,715,000 | $125,000 | $1,193,000 |
| Home Improvement | 262 | $21,070,000 | $80,000 | $1,255,000 | $107,000 | $1,075,000 |
| Cash-out Refinancing | 190 | $45,840,000 | $241,000 | $1,715,000 | $122,000 | $1,316,000 |
| 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 | 1,862 | $304,880,000 | $163,000 | $3,465,000 | $127,000 | $2,428,000 |
| Not Provided | 288 | $34,970,000 | $121,000 | $1,005,000 | $110,000 | $632,000 |
| Not applicable | 120 | $111,940,000 | $932,000 | $35,425,000 | $0 | $0 |
| Hispanic | 107 | $15,775,000 | $147,000 | $795,000 | $92,000 | $617,000 |
| Black or African American | 46 | $13,670,000 | $297,000 | $3,825,000 | $128,000 | $999,000 |
| Asian | 40 | $6,970,000 | $174,000 | $405,000 | $121,000 | $360,000 |
| American Indian or Alaskan Native | 8 | $1,630,000 | $203,000 | $495,000 | $78,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $280,000 | $140,000 | $215,000 | $40,000 | $40,000 |
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) | 2,468 | $490,680,000 | $198,000 | $35,425,000 | $123,000 | $2,428,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $990,000 | $123,000 | $185,000 | $50,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 2 | $420,000 | $210,000 | $225,000 | $71,000 | $106,000 |
| 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 | 1,908 | $408,250,000 | $213,000 | $35,425,000 | $129,000 | $2,428,000 |
| Application Denied By Financial Institution | 320 | $35,660,000 | $111,000 | $1,125,000 | $88,000 | $2,330,000 |
| Application Withdrawn By Applicant | 173 | $31,995,000 | $184,000 | $1,145,000 | $133,000 | $1,195,000 |
| Application Approved But Not Accepted | 30 | $3,830,000 | $127,000 | $575,000 | $106,000 | $504,000 |
| File Closed For Incompleteness | 24 | $8,280,000 | $345,000 | $1,715,000 | $128,000 | $355,000 |
| Loan Purchased By The Institution | 23 | $4,075,000 | $177,000 | $295,000 | $43,000 | $64,000 |
| 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 | 2,158 | $456,430,000 | $211,000 | $35,425,000 | $128,000 | $2,428,000 |
| Collateral | 110 | $12,040,000 | $109,000 | $1,125,000 | $104,000 | $789,000 |
| Debt-To-Income Ratio | 90 | $12,340,000 | $137,000 | $755,000 | $54,000 | $183,000 |
| Credit History | 72 | $6,080,000 | $84,000 | $455,000 | $113,000 | $2,330,000 |
| Credit Application Incomplete | 18 | $1,890,000 | $105,000 | $435,000 | $81,000 | $215,000 |
| Other | 16 | $1,750,000 | $109,000 | $385,000 | $74,000 | $183,000 |
| Employment History | 9 | $875,000 | $97,000 | $255,000 | $78,000 | $316,000 |
| Unverifiable Information | 3 | $515,000 | $171,000 | $245,000 | $116,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $95,000 | $47,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midwestone Bank'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 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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