Monroe County, IA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 174 mortgage applications in Monroe County, IA totaling $19.0 million, down 9% from 2010. The average application was for $109,000, and applicants reported an average income of $64,000. 48% of applications resulted in an originated loan and 16% were denied. The most active lender was Community 1st Credit Union, with 42 applications, followed by Wells Fargo Bank NA and Embrace Home Loans, Inc..
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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 | 174 |
| Total Mortgage Loan Application Amount | $19,015,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $1,970,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $408,000 |
Top Mortgage Lenders in Monroe County, IA (2011)
Ranked by the number of mortgage applications each lender reported in Monroe County, IA in 2011.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Community 1st Credit Union Ottumwa, IA |
42 | $6,130,000 | $145,000 | $80,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
29 | $2,773,000 | $95,000 | $66,000 |
| 3 | Embrace Home Loans, Inc. Middletown, RI |
11 | $1,149,000 | $104,000 | $44,000 |
| 4 | Ally Bank Charlotte, NC |
9 | $813,000 | $90,000 | $71,000 |
| 5 | Iowa Bankers Mortgage Corporation Johnston, IA |
9 | $735,000 | $81,000 | $54,000 |
| 6 | Bank of America NA Westlake Village, CA |
6 | $935,000 | $155,000 | $84,000 |
| 7 | Gmac Mortgage, LLC Ft. Washington, PA |
6 | $552,000 | $92,000 | $0 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
5 | $422,000 | $84,000 | $10,000 |
| 9 | PHH Mortgage Corporation West Palm Beach, FL |
5 | $518,000 | $103,000 | $57,000 |
| 10 | Nationwide Advantage Mortgage Des Moines, IA |
5 | $579,000 | $115,000 | $69,000 |
The tables below break down 2011 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 2011
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 | 120 | $14,792,000 | $123,000 | $1,970,000 | $67,000 | $408,000 |
| Home Purchase | 45 | $3,518,000 | $78,000 | $218,000 | $52,000 | $137,000 |
| Home Improvement | 9 | $705,000 | $78,000 | $224,000 | $73,000 | $128,000 |
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 | 142 | $15,895,000 | $111,000 | $1,970,000 | $70,000 | $408,000 |
| Not Provided | 17 | $1,682,000 | $98,000 | $240,000 | $53,000 | $125,000 |
| Not applicable | 12 | $1,143,000 | $95,000 | $223,000 | $9,000 | $116,000 |
| American Indian or Alaskan Native | 1 | $108,000 | $108,000 | $108,000 | $70,000 | $70,000 |
| Hispanic | 1 | $67,000 | $67,000 | $67,000 | $40,000 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $75,000 | $75,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 138 | $15,721,000 | $113,000 | $1,970,000 | $69,000 | $408,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,548,000 | $91,000 | $240,000 | $50,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $593,000 | $84,000 | $218,000 | $21,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 1 | $153,000 | $153,000 | $153,000 | $95,000 | $95,000 |
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 | 84 | $9,960,000 | $118,000 | $1,970,000 | $66,000 | $408,000 |
| Application Withdrawn By Applicant | 30 | $3,461,000 | $115,000 | $252,000 | $78,000 | $249,000 |
| Application Denied By Financial Institution | 28 | $2,616,000 | $93,000 | $225,000 | $57,000 | $150,000 |
| Loan Purchased By The Institution | 13 | $1,126,000 | $86,000 | $194,000 | $17,000 | $116,000 |
| File Closed For Incompleteness | 11 | $1,214,000 | $110,000 | $176,000 | $61,000 | $87,000 |
| Application Approved But Not Accepted | 8 | $638,000 | $79,000 | $153,000 | $84,000 | $144,000 |
| 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 | 9 | $489,000 | $54,000 | $90,000 | $59,000 | $113,000 |
| Collateral | 5 | $934,000 | $186,000 | $225,000 | $97,000 | $150,000 |
| Debt-To-Income Ratio | 4 | $394,000 | $98,000 | $141,000 | $44,000 | $76,000 |
| Other | 1 | $140,000 | $140,000 | $140,000 | $77,000 | $77,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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