Monroe County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 165 mortgage applications in Monroe County, IA totaling $17.9 million, up 11% from 2015. The average application was for $108,000, and applicants reported an average income of $70,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Community 1st Credit Union, with 62 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 | 165 |
| Total Mortgage Loan Application Amount | $17,935,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $368,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $176,000 |
| 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 |
* | $ 572,586,000 | 62 | $ 5,389,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 17 | $ 1,755,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 11 | $ 1,152,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 9 | $ 1,132,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 967,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 408,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 776,136,000 | 3 | $ 515,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 3 | $ 347,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,720,318,000 | 2 | $ 178,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,952,894,000 | 2 | $ 228,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 360,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 324,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 182,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 250,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 784,567,000 | 2 | $ 232,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 250,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ 9,774,230,000 | 1 | $ 44,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 114,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 130,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 416,598,000 | 1 | $ 144,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 133,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 216,360,000 | 1 | $ 168,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 57,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 1 | $ 44,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 160,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 328,575,000 | 1 | $ 80,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 332,965,000 | 1 | $ 49,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 100,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,097,252,000 | 1 | $ 79,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 270,760,000 | 1 | $ 115,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 1 | $ 197,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 132,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 112,993,000 | 1 | $ 123,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,617,322,000 | 1 | $ 368,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 233,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 315,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 210,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 5,000 |
The tables below break down 2016 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 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 88 | $9,830,000 | $111,000 | $368,000 | $69,000 | $176,000 |
| Home Purchase | 63 | $6,881,000 | $109,000 | $315,000 | $74,000 | $162,000 |
| Home Improvement | 14 | $1,224,000 | $87,000 | $202,000 | $65,000 | $122,000 |
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 | 139 | $15,073,000 | $108,000 | $368,000 | $74,000 | $162,000 |
| Not Provided | 16 | $1,505,000 | $94,000 | $240,000 | $63,000 | $161,000 |
| Not applicable | 5 | $574,000 | $114,000 | $160,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $262,000 | $131,000 | $162,000 | $48,000 | $70,000 |
| Asian | 1 | $201,000 | $201,000 | $201,000 | $0 | $0 |
| Hispanic | 1 | $87,000 | $87,000 | $87,000 | $65,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $233,000 | $233,000 | $233,000 | $176,000 | $176,000 |
| Black or African American | 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) | 131 | $13,968,000 | $106,000 | $368,000 | $73,000 | $176,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,773,000 | $104,000 | $210,000 | $66,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,924,000 | $137,000 | $227,000 | $53,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $270,000 | $90,000 | $93,000 | $49,000 | $62,000 |
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 | 88 | $10,011,000 | $113,000 | $368,000 | $73,000 | $162,000 |
| Application Withdrawn By Applicant | 34 | $3,289,000 | $96,000 | $260,000 | $69,000 | $176,000 |
| Application Denied By Financial Institution | 30 | $2,900,000 | $96,000 | $192,000 | $65,000 | $125,000 |
| File Closed For Incompleteness | 6 | $919,000 | $153,000 | $315,000 | $101,000 | $160,000 |
| Loan Purchased By The Institution | 5 | $619,000 | $123,000 | $160,000 | $20,000 | $104,000 |
| Application Approved But Not Accepted | 2 | $197,000 | $98,000 | $148,000 | $82,000 | $96,000 |
| 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 | $608,000 | $60,000 | $100,000 | $59,000 | $108,000 |
| Debt-To-Income Ratio | 7 | $932,000 | $133,000 | $192,000 | $61,000 | $122,000 |
| Credit Application Incomplete | 3 | $301,000 | $100,000 | $132,000 | $82,000 | $93,000 |
| Collateral | 2 | $118,000 | $59,000 | $62,000 | $56,000 | $82,000 |
| Other | 1 | $166,000 | $166,000 | $166,000 | $85,000 | $85,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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