Monroe County, IA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 196 mortgage applications in Monroe County, IA totaling $20.8 million, down 5% from 2013. The average application was for $106,000, and applicants reported an average income of $77,000. 59% of applications resulted in an originated loan and 19% were denied. The most active lender was Community 1st Credit Union, with 76 applications, followed by Wells Fargo Bank NA and Iowa Bankers Mortgage Corporation.
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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 | 196 |
| Total Mortgage Loan Application Amount | $20,849,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $3,492,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,596,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 475,532,000 | 76 | $ 5,916,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 19 | $ 5,148,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 18 | $ 1,785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 7 | $ 701,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 7 | $ 518,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 448,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 420,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 210,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 359,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 3 | $ 217,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,743,950,000 | 3 | $ 354,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 175,432,000 | 3 | $ 262,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 2 | $ 66,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 166,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 128,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,433,983,000 | 2 | $ 173,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 647,760,000 | 2 | $ 181,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 2,161,387,000 | 2 | $ 83,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 340,206,000 | 1 | $ 80,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 620,458,000 | 1 | $ 306,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 1 | $ 206,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 206,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 199,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 60,000 |
| Cuso Mortgage, Inc. 5601 E LA PALMA AVENUE ANAHEIM, CA 92807 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 80,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 116,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 268,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 281,036,000 | 1 | $ 101,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 82,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 46,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 274,738,000 | 1 | $ 25,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,107,977,000 | 1 | $ 55,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 188,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 30,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 1 | $ 260,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 48,000 |
The tables below break down 2014 mortgage applications in Monroe 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 Monroe 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 | 86 | $7,879,000 | $91,000 | $332,000 | $63,000 | $552,000 |
| Refinancing | 78 | $11,987,000 | $153,000 | $3,492,000 | $98,000 | $1,596,000 |
| Home Improvement | 32 | $983,000 | $30,000 | $164,000 | $64,000 | $192,000 |
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 | 169 | $19,108,000 | $113,000 | $3,492,000 | $83,000 | $1,596,000 |
| Not Provided | 14 | $751,000 | $53,000 | $299,000 | $60,000 | $120,000 |
| Not applicable | 8 | $648,000 | $81,000 | $115,000 | $0 | $0 |
| Hispanic | 3 | $146,000 | $48,000 | $72,000 | $59,000 | $84,000 |
| Asian | 1 | $82,000 | $82,000 | $82,000 | $0 | $0 |
| Black or African American | 1 | $114,000 | $114,000 | $114,000 | $34,000 | $34,000 |
| 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) | 144 | $15,812,000 | $109,000 | $3,492,000 | $90,000 | $1,596,000 |
| VA-guaranteed (Veterans Administration) | 26 | $2,787,000 | $107,000 | $300,000 | $41,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,170,000 | $78,000 | $112,000 | $37,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,080,000 | $98,000 | $206,000 | $48,000 | $91,000 |
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 | 116 | $10,044,000 | $86,000 | $340,000 | $66,000 | $242,000 |
| Application Denied By Financial Institution | 37 | $6,281,000 | $169,000 | $3,492,000 | $69,000 | $404,000 |
| Application Withdrawn By Applicant | 23 | $2,455,000 | $106,000 | $262,000 | $188,000 | $1,596,000 |
| Loan Purchased By The Institution | 12 | $1,343,000 | $111,000 | $299,000 | $19,000 | $66,000 |
| File Closed For Incompleteness | 5 | $473,000 | $94,000 | $171,000 | $44,000 | $63,000 |
| Application Approved But Not Accepted | 3 | $253,000 | $84,000 | $110,000 | $44,000 | $52,000 |
| 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 | 10 | $355,000 | $35,000 | $71,000 | $77,000 | $404,000 |
| Collateral | 10 | $1,093,000 | $109,000 | $238,000 | $59,000 | $124,000 |
| Credit Application Incomplete | 3 | $516,000 | $172,000 | $268,000 | $188,000 | $360,000 |
| Debt-To-Income Ratio | 3 | $3,518,000 | $1,172,000 | $3,492,000 | $22,000 | $65,000 |
| Other | 2 | $149,000 | $74,000 | $101,000 | $54,000 | $75,000 |
| Unverifiable Information | 1 | $72,000 | $72,000 | $72,000 | $45,000 | $45,000 |
| 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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