Monona County, IA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 267 mortgage applications in Monona County, IA totaling $38.5 million, up 6% from 2024. The average application was for $144,000, and applicants reported an average income of $87,000. 59% of applications resulted in an originated loan and 20% were denied. The most active lender was The Security National Bank of Sioux City, Iowa, with 25 applications, followed by United Bank of Iowa 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 | 267 |
| Total Mortgage Loan Application Amount | $38,495,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $596,000 |
* 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 |
|---|---|---|---|---|
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ n/a | 25 | $ 3,295,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ n/a | 22 | $ 2,500,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 18 | $ 2,340,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 15 | $ 1,655,000 |
| Community Bank 601 IOWA AVE., PO BOX 145 DUNLAP, IA 51529 |
* | $ n/a | 10 | $ 1,680,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 10 | $ 1,450,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,615,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ n/a | 9 | $ 1,615,000 |
| Shelby County State Bank 508 COURT ST HARLAN, IA 51537 |
* | $ n/a | 8 | $ 470,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 1,200,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 750,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 6 | $ 990,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 475,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ n/a | 5 | $ 795,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 5 | $ 555,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 5 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 160,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 620,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ n/a | 3 | $ 215,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 735,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 985,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 325,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 3 | $ 355,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 445,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 2 | $ 150,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 250,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 2 | $ 390,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 260,000 |
| Telco Triad Community CU Hmda 2025 1420 TRI VIEW AVE SIOUX CITY, IA 51108 |
* | $ n/a | 2 | $ 190,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 390,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ n/a | 2 | $ 370,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 280,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 2 | $ 230,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 380,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 120,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 330,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ n/a | 1 | $ 35,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 205,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 105,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 225,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 195,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 1 | $ 25,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 255,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 355,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 155,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 185,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ n/a | 1 | $ 55,000 |
| Farmers Trust and Savings Bank 122 MAIN STREET EARLING, IA 51530 |
* | $ n/a | 1 | $ 65,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 355,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 195,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 185,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ n/a | 1 | $ 645,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 175,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 115,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 1,685,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 85,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 225,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ n/a | 1 | $ 15,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 185,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ n/a | 1 | $ 115,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 145,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 175,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 95,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ n/a | 1 | $ 145,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 1 | $ 125,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Monona 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 Monona County, IA in 2025
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 | 128 | $22,710,000 | $177,000 | $1,685,000 | $92,000 | $596,000 |
| Cash-out Refinancing | 50 | $7,430,000 | $148,000 | $305,000 | $75,000 | $212,000 |
| Refinancing | 37 | $5,925,000 | $160,000 | $645,000 | $88,000 | $170,000 |
| Other Purpose | 31 | $1,465,000 | $47,000 | $225,000 | $87,000 | $194,000 |
| Home Improvement | 20 | $920,000 | $46,000 | $105,000 | $86,000 | $225,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 214 | $30,880,000 | $144,000 | $1,685,000 | $89,000 | $596,000 |
| Not applicable | 20 | $3,510,000 | $175,000 | $645,000 | $0 | $0 |
| Not Provided | 20 | $1,990,000 | $99,000 | $275,000 | $67,000 | $120,000 |
| Hispanic | 9 | $1,465,000 | $162,000 | $305,000 | $78,000 | $143,000 |
| Black or African American | 4 | $650,000 | $162,000 | $225,000 | $86,000 | $133,000 |
| 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) | 180 | $23,420,000 | $130,000 | $1,685,000 | $92,000 | $596,000 |
| FHA-insured (Federal Housing Administration) | 40 | $7,140,000 | $178,000 | $415,000 | $66,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 37 | $6,745,000 | $182,000 | $325,000 | $92,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,190,000 | $119,000 | $245,000 | $64,000 | $134,000 |
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 | 157 | $25,005,000 | $159,000 | $1,685,000 | $93,000 | $596,000 |
| Application Denied By Financial Institution | 54 | $5,900,000 | $109,000 | $415,000 | $79,000 | $191,000 |
| Application Withdrawn By Applicant | 25 | $3,485,000 | $139,000 | $275,000 | $86,000 | $212,000 |
| Loan Purchased By The Institution | 13 | $2,075,000 | $159,000 | $245,000 | $89,000 | $89,000 |
| File Closed For Incompleteness | 9 | $955,000 | $106,000 | $275,000 | $67,000 | $102,000 |
| Application Approved But Not Accepted | 9 | $1,075,000 | $119,000 | $255,000 | $61,000 | $150,000 |
| 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 | 175 | $27,295,000 | $155,000 | $1,685,000 | $89,000 | $596,000 |
| Debt-To-Income Ratio | 46 | $5,980,000 | $130,000 | $705,000 | $76,000 | $221,000 |
| Credit History | 17 | $2,025,000 | $119,000 | $355,000 | $97,000 | $191,000 |
| Collateral | 11 | $1,105,000 | $100,000 | $245,000 | $86,000 | $187,000 |
| Credit Application Incomplete | 8 | $1,130,000 | $141,000 | $415,000 | $77,000 | $120,000 |
| Other | 8 | $850,000 | $106,000 | $205,000 | $88,000 | $134,000 |
| Unverifiable Information | 2 | $110,000 | $55,000 | $75,000 | $68,000 | $96,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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