Lucas County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 417 mortgage applications in Lucas County, IA totaling $36.8 million, up 5% from 2011. The average application was for $88,000, and applicants reported an average income of $60,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 63 applications, followed by Community 1st Credit Union and Midwest Heritage Bank FSB.
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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 | 417 |
| Total Mortgage Loan Application Amount | $36,792,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $735,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 63 | $ 5,481,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 368,929,000 | 55 | $ 3,462,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 154,418,000 | 53 | $ 4,601,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 46 | $ 3,174,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 37 | $ 2,469,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 28 | $ 2,271,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 16 | $ 1,761,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 12 | $ 1,110,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 1,061,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 7 | $ 673,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 6 | $ 422,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 6 | $ 458,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 5 | $ 379,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 480,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 546,000 |
| Trubank 1401 N JEFFERSON WAY INDIANOLA, IA 50125 |
* | $ 159,147,000 | 3 | $ 390,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 582,933,000 | 3 | $ 246,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 452,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 335,089,000 | 3 | $ 1,800,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 3 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 336,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 2 | $ 120,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 157,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 453,215,000 | 2 | $ 210,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 236,027,000 | 2 | $ 229,000 |
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ 137,467,000 | 2 | $ 65,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 2 | $ 171,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 334,723,000 | 2 | $ 196,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Legacy Bank 502 8TH ST SW - PO BOX 309 ALTOONA, IA 50009 |
* | $ 81,862,000 | 1 | $ 29,000 |
| West Bank 1601 22ND STREET WEST DES MOINES, IA 50266 |
* | $ 1,256,935,000 | 1 | $ 83,000 |
| State Savings Bank 4800 MILLS CIVIC PKWY., STE. 100 WEST DES MOINES, IA 50265 |
* | $ 93,825,000 | 1 | $ 105,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 1,422,343,000 | 1 | $ 70,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 139,845,000 | 1 | $ 1,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 136,381,000 | 1 | $ 74,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 616,985,000 | 1 | $ 90,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 465,591,000 | 1 | $ 118,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 170,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 78,000 |
| Peoples Savings Bank 400 E IOWA AVE INDIANOLA, IA 50125 |
* | $ 143,299,000 | 1 | $ 151,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 189,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 444,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 100,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 70,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 121,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 198,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 78,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 255,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 8,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 1 | $ 132,000 |
The tables below break down 2012 mortgage applications in Lucas 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 Lucas County, IA in 2012
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 | 256 | $25,862,000 | $101,000 | $750,000 | $59,000 | $304,000 |
| Home Purchase | 106 | $8,031,000 | $75,000 | $558,000 | $56,000 | $735,000 |
| Home Improvement | 55 | $2,899,000 | $52,000 | $148,000 | $71,000 | $352,000 |
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 | 367 | $32,091,000 | $87,000 | $750,000 | $60,000 | $735,000 |
| Not Provided | 27 | $2,518,000 | $93,000 | $213,000 | $90,000 | $687,000 |
| Not applicable | 20 | $2,012,000 | $100,000 | $264,000 | $25,000 | $134,000 |
| Hispanic | 3 | $171,000 | $57,000 | $118,000 | $45,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 334 | $29,193,000 | $87,000 | $750,000 | $65,000 | $735,000 |
| FHA-insured (Federal Housing Administration) | 45 | $3,978,000 | $88,000 | $242,000 | $34,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,227,000 | $64,000 | $117,000 | $32,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,394,000 | $126,000 | $255,000 | $57,000 | $97,000 |
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 | 222 | $19,330,000 | $87,000 | $750,000 | $67,000 | $735,000 |
| Application Denied By Financial Institution | 92 | $7,495,000 | $81,000 | $266,000 | $52,000 | $240,000 |
| Loan Purchased By The Institution | 42 | $3,665,000 | $87,000 | $200,000 | $36,000 | $134,000 |
| Application Withdrawn By Applicant | 28 | $3,160,000 | $112,000 | $492,000 | $53,000 | $107,000 |
| Application Approved But Not Accepted | 19 | $1,726,000 | $90,000 | $215,000 | $66,000 | $147,000 |
| File Closed For Incompleteness | 14 | $1,416,000 | $101,000 | $147,000 | $76,000 | $173,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 23 | $2,456,000 | $106,000 | $266,000 | $67,000 | $139,000 |
| Credit History | 21 | $1,471,000 | $70,000 | $198,000 | $63,000 | $240,000 |
| Other | 9 | $503,000 | $55,000 | $136,000 | $45,000 | $115,000 |
| Debt-To-Income Ratio | 6 | $580,000 | $96,000 | $170,000 | $40,000 | $54,000 |
| Credit Application Incomplete | 3 | $212,000 | $70,000 | $139,000 | $60,000 | $72,000 |
| Unverifiable Information | 3 | $258,000 | $86,000 | $111,000 | $27,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $290,000 | $96,000 | $139,000 | $51,000 | $70,000 |
| 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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