Monona County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 259 mortgage applications in Monona County, IA totaling $24.6 million, down 14% from 2017. The average application was for $94,000, and applicants reported an average income of $70,000. 58% of applications resulted in an originated loan and 22% were denied. The most active lender was Iowa - Nebraska State Bank, with 30 applications, followed by United Bank of Iowa and The Security National Bank of Sioux City, Iowa.
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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 | 259 |
| Total Mortgage Loan Application Amount | $24,595,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $488,000 |
* 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 |
|---|---|---|---|---|
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 207,535,000 | 30 | $ 2,470,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,490,031,000 | 27 | $ 2,185,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 952,586,000 | 23 | $ 1,885,000 |
| Community Bank 601 IOWA AVE., PO BOX 145 DUNLAP, IA 51529 |
* | $ 93,581,000 | 22 | $ 1,090,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 21 | $ 2,055,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,417,210,000 | 17 | $ 1,745,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 15 | $ 2,195,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 154,565,000 | 11 | $ 1,215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 715,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 5 | $ 635,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 133,225,000 | 5 | $ 575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 715,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 255,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 422,356,000 | 3 | $ 95,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,541,610,000 | 3 | $ 205,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 50,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 2 | $ 400,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 30,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 2 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 180,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 423,543,000 | 2 | $ 430,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 491,903,000 | 2 | $ 140,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 933,081,000 | 1 | $ 165,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 869,903,000 | 1 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 135,000 |
| Iowa State Bank 1101 MAIN STREET HULL, IA 51239 |
* | $ 604,300,000 | 1 | $ 405,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 295,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,567,564,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
| Washington County Bank 1523 WASHINGTON ST. BLAIR, NE 68008 |
* | $ 366,995,000 | 1 | $ 65,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 175,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 922,150,000 | 1 | $ 65,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 165,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 35,000 |
| F&M Bank 204 NORTH MAIN STREET WEST POINT, NE 68788 |
* | $ 289,336,000 | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 135,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 55,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 135,000 |
| Security National Bank of South Dakota 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 208,012,000 | 1 | $ 35,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 162,935,000 | 1 | $ 35,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 1 | $ 85,000 |
The tables below break down 2018 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 2018
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 | 120 | $12,790,000 | $106,000 | $455,000 | $69,000 | $391,000 |
| Refinancing | 64 | $6,040,000 | $94,000 | $355,000 | $67,000 | $172,000 |
| Cash-out Refinancing | 43 | $4,155,000 | $96,000 | $305,000 | $60,000 | $127,000 |
| Home Improvement | 18 | $820,000 | $45,000 | $185,000 | $78,000 | $488,000 |
| Other Purpose | 12 | $630,000 | $52,000 | $305,000 | $106,000 | $300,000 |
| Not Applicable | 2 | $160,000 | $80,000 | $105,000 | $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 | 222 | $19,860,000 | $89,000 | $455,000 | $70,000 | $488,000 |
| Not applicable | 17 | $2,375,000 | $139,000 | $405,000 | $0 | $0 |
| Not Provided | 10 | $1,340,000 | $134,000 | $355,000 | $74,000 | $134,000 |
| American Indian or Alaskan Native | 3 | $285,000 | $95,000 | $125,000 | $47,000 | $51,000 |
| Black or African American | 3 | $395,000 | $131,000 | $305,000 | $55,000 | $61,000 |
| Hispanic | 3 | $145,000 | $48,000 | $65,000 | $65,000 | $79,000 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $39,000 | $39,000 |
| 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) | 189 | $17,655,000 | $93,000 | $455,000 | $75,000 | $488,000 |
| FHA-insured (Federal Housing Administration) | 32 | $2,990,000 | $93,000 | $185,000 | $57,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,775,000 | $132,000 | $305,000 | $63,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,175,000 | $69,000 | $125,000 | $45,000 | $76,000 |
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 | 151 | $15,135,000 | $100,000 | $455,000 | $71,000 | $391,000 |
| Application Denied By Financial Institution | 56 | $4,390,000 | $78,000 | $305,000 | $60,000 | $488,000 |
| Application Withdrawn By Applicant | 30 | $3,000,000 | $100,000 | $305,000 | $71,000 | $369,000 |
| Loan Purchased By The Institution | 8 | $910,000 | $113,000 | $205,000 | $91,000 | $128,000 |
| File Closed For Incompleteness | 7 | $685,000 | $97,000 | $225,000 | $108,000 | $300,000 |
| Application Approved But Not Accepted | 7 | $475,000 | $67,000 | $105,000 | $64,000 | $106,000 |
| 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 | 168 | $17,040,000 | $101,000 | $455,000 | $72,000 | $391,000 |
| Debt-To-Income Ratio | 50 | $4,480,000 | $89,000 | $405,000 | $61,000 | $134,000 |
| Credit History | 25 | $1,895,000 | $75,000 | $305,000 | $80,000 | $488,000 |
| Credit Application Incomplete | 8 | $740,000 | $92,000 | $135,000 | $57,000 | $97,000 |
| Collateral | 5 | $175,000 | $35,000 | $75,000 | $44,000 | $78,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $93,000 | $93,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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