Mitchell County, IA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 98 mortgage applications in Mitchell County, IA totaling $11.8 million, up 7% from 2013. The average application was for $120,000, and applicants reported an average income of $64,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 10 applications, followed by Iowa Bankers Mortgage Corporation and US Bank, N.A..
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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 | 98 |
| Total Mortgage Loan Application Amount | $11,773,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $2,853,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,140,000 |
| 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 |
* | $ 1,373,600,000,000 | 10 | $ 843,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 8 | $ 855,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 7 | $ 562,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 698,929,000 | 4 | $ 379,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 4 | $ 431,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 2,161,387,000 | 4 | $ 254,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 302,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,468,863,000 | 3 | $ 129,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 110,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 157,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 2 | $ 213,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 109,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 449,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 620,458,000 | 2 | $ 170,000 |
| Eastwood Bank 5125 HWY 52 N ROCHESTER, MN 55901 |
* | $ 669,013,000 | 2 | $ 3,000,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ 100,000,000 | 1 | $ 181,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 181,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 191,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 243,660,000 | 1 | $ 92,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 806,150,000 | 1 | $ 170,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 107,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 82,000 |
| First State Bank Minnesota 102 WEST MAIN ST, PO BOX 369 LEROY, MN 55951 |
* | $ 66,246,000 | 1 | $ 92,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,433,983,000 | 1 | $ 50,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 474,386,000 | 1 | $ 75,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 47,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 60,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 47,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 79,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 84,000 |
| State Bank 25 N. CHESTNUT AVE NEW HAMPTON, IA 50659 |
* | $ 359,415,000 | 1 | $ 127,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 967,098,000 | 1 | $ 62,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 475,532,000 | 1 | $ 97,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Sterling State Bank 1419 1ST AVENUE SW AUSTIN, MN 55912 |
* | $ 310,191,000 | 1 | $ 130,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 1 | $ 115,000 |
| First National Bank 2457 BROADWAY AVENUE SLAYTON, MN 56172 |
* | $ 201,035,000 | 1 | $ 35,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 225,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 647,428,000 | 1 | $ 20,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 51,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 8,000 |
The tables below break down 2014 mortgage applications in Mitchell 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 Mitchell County, IA in 2014
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 | 56 | $5,325,000 | $95,000 | $225,000 | $50,000 | $240,000 |
| Refinancing | 35 | $6,264,000 | $178,000 | $2,853,000 | $90,000 | $1,140,000 |
| Home Improvement | 7 | $184,000 | $26,000 | $52,000 | $46,000 | $84,000 |
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 | 74 | $9,667,000 | $130,000 | $2,853,000 | $71,000 | $1,140,000 |
| Not Provided | 13 | $1,112,000 | $85,000 | $181,000 | $56,000 | $88,000 |
| Not applicable | 7 | $665,000 | $95,000 | $153,000 | $5,000 | $38,000 |
| Hispanic | 3 | $218,000 | $72,000 | $154,000 | $76,000 | $102,000 |
| American Indian or Alaskan Native | 1 | $111,000 | $111,000 | $111,000 | $43,000 | $43,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 60 | $8,045,000 | $134,000 | $2,853,000 | $75,000 | $1,140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,273,000 | $84,000 | $137,000 | $31,000 | $49,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,382,000 | $98,000 | $225,000 | $53,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,073,000 | $119,000 | $191,000 | $59,000 | $133,000 |
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 | 55 | $7,510,000 | $136,000 | $2,853,000 | $75,000 | $1,140,000 |
| Application Denied By Financial Institution | 22 | $2,239,000 | $101,000 | $225,000 | $60,000 | $240,000 |
| Loan Purchased By The Institution | 10 | $1,005,000 | $100,000 | $155,000 | $20,000 | $82,000 |
| Application Withdrawn By Applicant | 5 | $672,000 | $134,000 | $225,000 | $69,000 | $125,000 |
| Application Approved But Not Accepted | 4 | $279,000 | $69,000 | $96,000 | $32,000 | $38,000 |
| File Closed For Incompleteness | 1 | $8,000 | $8,000 | $8,000 | $42,000 | $42,000 |
| Preapproval Approved but not Accepted | 1 | $60,000 | $60,000 | $60,000 | $64,000 | $64,000 |
| 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 Application Incomplete | 3 | $488,000 | $162,000 | $225,000 | $90,000 | $133,000 |
| Other | 1 | $116,000 | $116,000 | $116,000 | $97,000 | $97,000 |
| Unverifiable Information | 1 | $70,000 | $70,000 | $70,000 | $27,000 | $27,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $44,000 | $44,000 |
| Employment History | 1 | $160,000 | $160,000 | $160,000 | $240,000 | $240,000 |
| Collateral | 1 | $47,000 | $47,000 | $47,000 | $63,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit 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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