Louisa County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 217 mortgage applications in Louisa County, IA totaling $24.0 million, down 19% from 2022. The average application was for $110,000, and applicants reported an average income of $77,000. 62% of applications resulted in an originated loan and 15% were denied. The most active lender was Greenstate Credit Union, with 26 applications, followed by Washington State Bank and Hills Bank and Trust Company.
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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 | 217 |
| Total Mortgage Loan Application Amount | $23,975,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 26 | $ 1,850,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 525,353,000 | 22 | $ 1,660,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 3,979,185,000 | 14 | $ 1,740,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,574,512,000 | 14 | $ 1,720,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 12 | $ 1,500,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 956,239,000 | 11 | $ 715,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ 1,114,078,000 | 10 | $ 1,060,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 527,521,000 | 7 | $ 845,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 425,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 5 | $ 385,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 5 | $ 295,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 420,000 |
| The Family Credit Union 1530 W 53RD STREET DAVENPORT, IA 52806 |
* | $ 238,847,000 | 4 | $ 260,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 710,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 3 | $ 455,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 3 | $ 165,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 425,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 585,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 675,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ -1,000 | 3 | $ 545,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 385,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ -1,000 | 2 | $ 190,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 210,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 160,000 |
| Federation Bank 102 E MAIN ST WASHINGTON, IA 52353 |
* | $ 168,363,000 | 2 | $ 40,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 235,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 175,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 115,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 155,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 45,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 135,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 355,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 1,040,259,000 | 1 | $ 265,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 125,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 95,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 25,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 225,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 355,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 195,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 105,000 |
| R.I.A. Federal Credit Union PO BOX 4750 BETTENDORF, IA 52722 |
* | $ 596,943,000 | 1 | $ 25,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 155,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 205,000 |
The tables below break down 2023 mortgage applications in Louisa 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 Louisa 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 | 112 | $16,190,000 | $144,000 | $555,000 | $73,000 | $209,000 |
| Cash-out Refinancing | 33 | $4,065,000 | $123,000 | $405,000 | $74,000 | $183,000 |
| Home Improvement | 30 | $1,340,000 | $44,000 | $205,000 | $109,000 | $600,000 |
| Other Purpose | 22 | $960,000 | $43,000 | $105,000 | $72,000 | $144,000 |
| Refinancing | 19 | $1,315,000 | $69,000 | $265,000 | $58,000 | $145,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $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 | 143 | $14,775,000 | $103,000 | $555,000 | $79,000 | $600,000 |
| Not applicable | 25 | $3,945,000 | $157,000 | $405,000 | $0 | $0 |
| Hispanic | 20 | $1,770,000 | $88,000 | $195,000 | $66,000 | $127,000 |
| Not Provided | 13 | $1,625,000 | $125,000 | $215,000 | $80,000 | $151,000 |
| Asian | 8 | $1,070,000 | $133,000 | $215,000 | $73,000 | $144,000 |
| American Indian or Alaskan Native | 4 | $370,000 | $92,000 | $145,000 | $79,000 | $123,000 |
| Black or African American | 3 | $305,000 | $101,000 | $155,000 | $58,000 | $63,000 |
| 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) | 164 | $15,270,000 | $93,000 | $555,000 | $78,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,415,000 | $142,000 | $225,000 | $62,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,030,000 | $201,000 | $405,000 | $93,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $260,000 | $130,000 | $175,000 | $62,000 | $62,000 |
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 | 134 | $14,910,000 | $111,000 | $555,000 | $76,000 | $209,000 |
| Application Denied By Financial Institution | 33 | $2,735,000 | $82,000 | $235,000 | $69,000 | $162,000 |
| Application Withdrawn By Applicant | 20 | $2,540,000 | $127,000 | $365,000 | $97,000 | $600,000 |
| Loan Purchased By The Institution | 18 | $3,060,000 | $170,000 | $405,000 | $0 | $0 |
| File Closed For Incompleteness | 7 | $445,000 | $63,000 | $165,000 | $83,000 | $130,000 |
| Application Approved But Not Accepted | 5 | $285,000 | $57,000 | $185,000 | $66,000 | $94,000 |
| 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 | 159 | $19,275,000 | $121,000 | $555,000 | $79,000 | $600,000 |
| Debt-To-Income Ratio | 29 | $2,235,000 | $77,000 | $265,000 | $73,000 | $209,000 |
| Credit History | 21 | $1,545,000 | $73,000 | $225,000 | $77,000 | $162,000 |
| Credit Application Incomplete | 3 | $335,000 | $111,000 | $195,000 | $57,000 | $87,000 |
| Collateral | 2 | $90,000 | $45,000 | $45,000 | $62,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $235,000 | $60,000 | $77,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $75,000 | $75,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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