Lyon County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 334 mortgage applications in Lyon County, IA totaling $36.0 million, down 28% from 2012. The average application was for $107,000, and applicants reported an average income of $71,000. 65% of applications resulted in an originated loan and 19% were denied. The most active lender was US Bank, N.A., with 50 applications, followed by Iowa Bankers Mortgage Corporation and Security Savings Bank.
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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 | 334 |
| Total Mortgage Loan Application Amount | $36,017,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $1,737,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $655,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 50 | $ 3,806,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 49 | $ 6,350,000 |
| Security Savings Bank 100 S WEST ST PO BOX 125 CANTON, SD 57013 |
* | $ 167,888,000 | 42 | $ 2,826,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 157,683,000 | 31 | $ 2,640,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 27 | $ 3,097,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 480,631,000 | 20 | $ 2,759,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 10 | $ 979,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 153,979,000 | 8 | $ 599,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 705,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 5 | $ 389,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 535,067,000 | 5 | $ 320,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 274,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 4 | $ 522,000 |
| Security National Bank of South Dakota 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 168,682,000 | 4 | $ 321,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,215,738,000 | 3 | $ 1,417,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 3 | $ 2,886,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 516,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 382,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 171,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 3 | $ 272,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,214,003,000 | 3 | $ 315,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 321,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 167,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 246,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 252,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,080,671,000 | 2 | $ 330,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 326,261,000 | 2 | $ 95,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 364,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 2 | $ 197,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 40,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 122,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 117,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 82,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 124,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 64,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 746,986,000 | 1 | $ 116,000 |
| Farmers State Bank of Canton 220 E 5TH ST/ PO BOX178 CANTON, SD 57013 |
* | $ 46,657,000 | 1 | $ 20,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 676,630,000 | 1 | $ 67,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 200,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 250,475,000 | 1 | $ 51,000 |
| Endura Financial F. C. U. 820 N LILAC MINNEAPOLIS, MN 55422 |
* | $ 352,711,000 | 1 | $ 40,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 680,405,000 | 1 | $ 19,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 275,893,000 | 1 | $ 23,000 |
| First National Bank 111 CENTRAL AVE NW LE MARS, IA 51031 |
* | $ 285,199,000 | 1 | $ 107,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 313,835,000 | 1 | $ 71,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 124,000 |
The tables below break down 2013 mortgage applications in Lyon 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 Lyon County, IA in 2013
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 | 207 | $24,860,000 | $120,000 | $1,737,000 | $79,000 | $655,000 |
| Home Purchase | 105 | $10,210,000 | $97,000 | $405,000 | $56,000 | $200,000 |
| Home Improvement | 22 | $947,000 | $43,000 | $150,000 | $62,000 | $149,000 |
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 | 302 | $32,787,000 | $108,000 | $1,737,000 | $74,000 | $655,000 |
| Not Provided | 14 | $1,474,000 | $105,000 | $216,000 | $65,000 | $152,000 |
| Not applicable | 13 | $1,281,000 | $98,000 | $256,000 | $30,000 | $120,000 |
| Hispanic | 3 | $385,000 | $128,000 | $147,000 | $36,000 | $58,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $24,000 | $24,000 |
| Black or African American | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 264 | $28,453,000 | $107,000 | $1,737,000 | $76,000 | $655,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,815,000 | $105,000 | $273,000 | $54,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,077,000 | $98,000 | $173,000 | $40,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,672,000 | $128,000 | $231,000 | $54,000 | $111,000 |
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 | 217 | $25,759,000 | $118,000 | $1,737,000 | $80,000 | $655,000 |
| Application Denied By Financial Institution | 63 | $4,406,000 | $69,000 | $167,000 | $54,000 | $227,000 |
| Application Withdrawn By Applicant | 19 | $1,809,000 | $95,000 | $273,000 | $47,000 | $100,000 |
| Loan Purchased By The Institution | 19 | $2,034,000 | $107,000 | $256,000 | $49,000 | $120,000 |
| Application Approved But Not Accepted | 13 | $1,747,000 | $134,000 | $239,000 | $72,000 | $150,000 |
| File Closed For Incompleteness | 3 | $262,000 | $87,000 | $120,000 | $28,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,426,000 | $75,000 | $149,000 | $69,000 | $227,000 |
| Collateral | 10 | $757,000 | $75,000 | $138,000 | $69,000 | $188,000 |
| Debt-To-Income Ratio | 6 | $283,000 | $47,000 | $81,000 | $48,000 | $69,000 |
| Employment History | 2 | $92,000 | $46,000 | $62,000 | $16,000 | $18,000 |
| Credit Application Incomplete | 2 | $202,000 | $101,000 | $133,000 | $60,000 | $62,000 |
| Other | 1 | $97,000 | $97,000 | $97,000 | $0 | $0 |
| Unverifiable Information | 1 | $63,000 | $63,000 | $63,000 | $96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $46,000 | $46,000 | $46,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 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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