Mitchell County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 112 mortgage applications in Mitchell County, IA totaling $19.1 million, down 32% from 2021. The average application was for $170,000, and applicants reported an average income of $87,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 21 applications, followed by Veridian Credit Union and Wells Fargo Bank NA.
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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 | 112 |
| Total Mortgage Loan Application Amount | $19,050,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $426,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 21 | $ 3,375,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 7 | $ 705,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 6 | $ 550,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 5 | $ 945,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 4 | $ 210,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,965,700,000 | 4 | $ 260,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 4 | $ 400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 410,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 485,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,432,330,000 | 3 | $ 775,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 270,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 640,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 130,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 50,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 250,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 130,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 85,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 95,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 1 | $ 495,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ -1,000 | 1 | $ 85,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 175,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 175,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 185,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 215,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 35,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,371,634,000 | 1 | $ 4,005,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 255,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 75,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 125,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 145,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,046,374,000 | 1 | $ 75,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 690,030,000 | 1 | $ 205,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 1 | $ 155,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 349,214,000 | 1 | $ 305,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 25,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 16,499,164,000 | 1 | $ 195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 255,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 35,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 172,020,000 | 1 | $ 15,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 1 | $ 185,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 2,023,177,000 | 1 | $ 105,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 95,000 |
The tables below break down 2022 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 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 | 62 | $13,550,000 | $218,000 | $4,005,000 | $84,000 | $426,000 |
| Cash-out Refinancing | 25 | $3,425,000 | $137,000 | $525,000 | $77,000 | $147,000 |
| Refinancing | 16 | $1,620,000 | $101,000 | $245,000 | $77,000 | $170,000 |
| Other Purpose | 4 | $200,000 | $50,000 | $125,000 | $143,000 | $424,000 |
| Home Improvement | 4 | $250,000 | $62,000 | $125,000 | $183,000 | $250,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $105,000 | $105,000 |
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 | 89 | $15,155,000 | $170,000 | $4,005,000 | $86,000 | $426,000 |
| Not Provided | 13 | $2,365,000 | $181,000 | $525,000 | $85,000 | $164,000 |
| Not applicable | 6 | $1,030,000 | $171,000 | $255,000 | $0 | $0 |
| Black or African American | 3 | $445,000 | $148,000 | $175,000 | $109,000 | $147,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $82,000 | $82,000 |
| 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 |
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) | 81 | $14,625,000 | $180,000 | $4,005,000 | $95,000 | $426,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,265,000 | $97,000 | $255,000 | $51,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,000,000 | $200,000 | $525,000 | $85,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,160,000 | $145,000 | $215,000 | $55,000 | $82,000 |
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 | 58 | $8,620,000 | $148,000 | $435,000 | $86,000 | $424,000 |
| Application Withdrawn By Applicant | 20 | $1,870,000 | $93,000 | $315,000 | $98,000 | $372,000 |
| Application Denied By Financial Institution | 19 | $2,905,000 | $152,000 | $525,000 | $71,000 | $155,000 |
| Application Approved But Not Accepted | 5 | $4,335,000 | $867,000 | $4,005,000 | $137,000 | $426,000 |
| Loan Purchased By The Institution | 5 | $825,000 | $165,000 | $255,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 3 | $325,000 | $108,000 | $145,000 | $49,000 | $51,000 |
| File Closed For Incompleteness | 2 | $170,000 | $85,000 | $85,000 | $100,000 | $147,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 91 | $16,025,000 | $176,000 | $4,005,000 | $91,000 | $426,000 |
| Collateral | 6 | $1,290,000 | $215,000 | $525,000 | $85,000 | $131,000 |
| Credit History | 5 | $475,000 | $95,000 | $145,000 | $55,000 | $108,000 |
| Debt-To-Income Ratio | 5 | $595,000 | $119,000 | $275,000 | $33,000 | $72,000 |
| Credit Application Incomplete | 4 | $550,000 | $137,000 | $325,000 | $104,000 | $155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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