Montgomery County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 382 mortgage applications in Montgomery County, IA totaling $30.9 million, down 10% from 2012. The average application was for $80,000, and applicants reported an average income of $65,000. 63% of applications resulted in an originated loan and 18% were denied. The most active lender was US Bank, N.A., with 71 applications, followed by Bank Iowa and Great Western Bank.
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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 | 382 |
| Total Mortgage Loan Application Amount | $30,873,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $768,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,256,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 71 | $ 4,683,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,143,978,000 | 64 | $ 5,788,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 34 | $ 3,843,000 |
| Houghton State Bank 116 E COOLBAUGH ST RED OAK, IA 51566 |
* | $ 166,951,000 | 33 | $ 2,013,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 32 | $ 2,647,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 14 | $ 1,033,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 13 | $ 893,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 11 | $ 895,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 11 | $ 923,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 10 | $ 706,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 832,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 415,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 402,000 |
| Malvern Bank 404 MAIN STREET MALVERN, IA 51551 |
* | $ 71,925,000 | 4 | $ 300,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 4 | $ 615,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 4 | $ 149,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 170,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 2 | $ 361,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 211,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 91,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ 231,352,000 | 2 | $ 65,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 485,714,000 | 2 | $ 44,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 157,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 70,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,176,846,000 | 2 | $ 4,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 412,260,000 | 2 | $ 186,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 278,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 2 | $ 163,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 94,000 |
| United Republic Bank PO BOX 540126 OMAHA, NE 68154 |
* | $ 94,287,000 | 1 | $ 52,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 130,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 1 | $ 8,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 68,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Farmers Trust and Savings Bank Earling, Iowa 122 MAIN ST BOX 285 EARLING, IA 51530 |
* | $ 93,048,000 | 1 | $ 74,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 126,258,000 | 1 | $ 63,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,029,920,000 | 1 | $ 61,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 676,630,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 102,000 |
| Bank of Nebraska 7223 SOUTH 84TH ST. LAVISTA, NE 68128 |
* | $ 129,662,000 | 1 | $ 75,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 103,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 132,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,500,067,000 | 1 | $ 87,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 1 | $ 203,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,953,615,000 | 1 | $ 74,000 |
The tables below break down 2013 mortgage applications in Montgomery 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 Montgomery County, IA in 2013
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 | 241 | $20,895,000 | $86,000 | $768,000 | $66,000 | $1,256,000 |
| Home Purchase | 111 | $8,284,000 | $74,000 | $336,000 | $68,000 | $953,000 |
| Home Improvement | 30 | $1,694,000 | $56,000 | $397,000 | $50,000 | $130,000 |
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 | 305 | $24,051,000 | $78,000 | $768,000 | $71,000 | $1,256,000 |
| Not Provided | 47 | $3,819,000 | $81,000 | $212,000 | $64,000 | $208,000 |
| Not applicable | 28 | $2,844,000 | $101,000 | $538,000 | $14,000 | $145,000 |
| Hispanic | 2 | $159,000 | $79,000 | $145,000 | $12,000 | $25,000 |
| 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 |
| 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) | 308 | $24,656,000 | $80,000 | $768,000 | $74,000 | $1,256,000 |
| FHA-insured (Federal Housing Administration) | 41 | $3,318,000 | $80,000 | $223,000 | $32,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,197,000 | $70,000 | $96,000 | $28,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,702,000 | $106,000 | $242,000 | $29,000 | $120,000 |
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 | 240 | $20,913,000 | $87,000 | $768,000 | $76,000 | $1,256,000 |
| Application Denied By Financial Institution | 68 | $4,174,000 | $61,000 | $189,000 | $46,000 | $192,000 |
| Loan Purchased By The Institution | 41 | $3,382,000 | $82,000 | $242,000 | $51,000 | $629,000 |
| Application Withdrawn By Applicant | 13 | $911,000 | $70,000 | $223,000 | $49,000 | $130,000 |
| Application Approved But Not Accepted | 12 | $798,000 | $66,000 | $212,000 | $48,000 | $105,000 |
| File Closed For Incompleteness | 8 | $695,000 | $86,000 | $145,000 | $28,000 | $90,000 |
| 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 | 18 | $1,033,000 | $57,000 | $110,000 | $47,000 | $118,000 |
| Debt-To-Income Ratio | 8 | $543,000 | $67,000 | $126,000 | $33,000 | $50,000 |
| Credit Application Incomplete | 5 | $250,000 | $50,000 | $68,000 | $64,000 | $171,000 |
| Collateral | 4 | $385,000 | $96,000 | $189,000 | $75,000 | $192,000 |
| Other | 3 | $192,000 | $64,000 | $97,000 | $47,000 | $71,000 |
| Unverifiable Information | 2 | $139,000 | $69,000 | $116,000 | $61,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $53,000 | $53,000 | $53,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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