O'Brien County, IA Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 500 mortgage applications in O'Brien County, IA totaling $35.0 million, down 21% from 2003. The average application was for $69,000, and applicants reported an average income of $44,000. 33% of applications resulted in an originated loan and 26% were denied. The most active lender was Ameriquest Mortgage Company, with 40 applications, followed by Iowa Bankers Mortgage Corporat and Hfc.
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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 | 500 |
| Total Mortgage Loan Application Amount | $34,993,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $2,175,000 |
* 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 |
|---|---|---|---|---|
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 40 | $ 3,280,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 31 | $ 2,440,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 29 | $ 2,110,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 160,291,000 | 29 | $ 2,349,000 |
| Vantus Bank PO BOX 897 SIOUX CITY, IA 51102 |
* | $ 632,300,000 | 27 | $ 1,640,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 25 | $ 1,403,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 22 | $ 1,524,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 17 | $ 1,196,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 389,760,000 | 16 | $ 1,387,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 16 | $ 1,259,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 13 | $ 865,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 13 | $ 1,203,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 12 | $ 754,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 11 | $ 1,101,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 9 | $ 576,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 586,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 9 | $ 410,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 8 | $ 241,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 7 | $ 506,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 7 | $ 334,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 6 | $ 320,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 6 | $ 351,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 5 | $ 185,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 5 | $ 194,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 5 | $ 332,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 5 | $ 432,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 231,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 4 | $ 200,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 4 | $ 344,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 4 | $ 332,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 4 | $ 225,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 4 | $ 286,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 3 | $ 174,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 3 | $ 261,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 190,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 3 | $ 112,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 3 | $ 242,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 3 | $ 241,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 327,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 3 | $ 279,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 3 | $ 231,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 3 | $ 120,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 110,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 3 | $ 185,000 |
| Washtenaw Mortgage Company 3767 RANCHERO DRIVE ANN ARBOR, MI 48108 |
* | $ 130,602,000 | 3 | $ 174,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 85,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 2 | $ 151,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 106,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 109,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 108,000 |
| Hearthside Lending Corp. 4770 NORTH BELLEVIEW SUITE 100 GLADSTONE, MO 64116 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 2 | $ 181,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 117,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 2 | $ 119,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 1 | $ 50,000 |
| First Capital Financial Servic 5600 W. GRANDE MARKET DRIVE APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 63,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 31,000 |
| CMG Mortgage, Inc. 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, CA 94583 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Commercial Federal Bank 11207 WEST DODGE ROAD 2ND FL OMAHA, NE 68154 |
* | $ 12,190,849,000 | 1 | $ 18,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 99,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 1 | $ 26,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 1 | $ 20,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 611,144,000 | 1 | $ 66,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 249,908,000 | 1 | $ 165,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 71,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 18,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 1 | $ 52,000 |
| Home Town Mortgage, Inc. 7900 WEST 78TH STREET, SUITE 100 EDINA, MN 55439 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Sib Mortgage Corp. 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 2,646,970,000 | 1 | $ 20,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 43,610,071,000 | 1 | $ 41,000 |
| Staten Island Bank & T C/O Icb 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 7,445,108,000 | 1 | $ 20,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 51,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 46,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 566,790,000 | 1 | $ 90,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 52,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 1 | $ 50,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 1 | $ 81,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 18,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 65,000 |
The tables below break down 2004 mortgage applications in O'Brien 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 O'Brien County, IA in 2004
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 | 316 | $23,355,000 | $73,000 | $475,000 | $47,000 | $2,175,000 |
| Home Purchase | 134 | $9,797,000 | $73,000 | $300,000 | $38,000 | $175,000 |
| Home Improvement | 50 | $1,841,000 | $36,000 | $136,000 | $48,000 | $170,000 |
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 | 400 | $28,201,000 | $70,000 | $475,000 | $48,000 | $2,175,000 |
| Not Provided | 57 | $3,769,000 | $66,000 | $180,000 | $48,000 | $180,000 |
| Not applicable | 35 | $2,577,000 | $73,000 | $185,000 | $0 | $20,000 |
| Hispanic | 3 | $61,000 | $20,000 | $26,000 | $34,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $302,000 | $100,000 | $225,000 | $42,000 | $58,000 |
| Asian | 1 | $33,000 | $33,000 | $33,000 | $38,000 | $38,000 |
| Black or African American | 1 | $50,000 | $50,000 | $50,000 | $12,000 | $12,000 |
| 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) | 461 | $32,636,000 | $70,000 | $475,000 | $46,000 | $2,175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $1,521,000 | $58,000 | $100,000 | $33,000 | $61,000 |
| FHA-insured (Federal Housing Administration) | 8 | $490,000 | $61,000 | $81,000 | $26,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 5 | $346,000 | $69,000 | $102,000 | $25,000 | $38,000 |
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 | 164 | $11,909,000 | $72,000 | $475,000 | $47,000 | $188,000 |
| Application Denied By Financial Institution | 132 | $8,091,000 | $61,000 | $185,000 | $42,000 | $528,000 |
| Loan Purchased By The Institution | 78 | $5,815,000 | $74,000 | $264,000 | $20,000 | $132,000 |
| Application Withdrawn By Applicant | 51 | $3,876,000 | $76,000 | $225,000 | $61,000 | $216,000 |
| Application Approved But Not Accepted | 46 | $2,894,000 | $62,000 | $165,000 | $51,000 | $120,000 |
| File Closed For Incompleteness | 29 | $2,408,000 | $83,000 | $180,000 | $50,000 | $2,175,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 43 | $2,940,000 | $68,000 | $176,000 | $45,000 | $528,000 |
| Credit History | 35 | $1,821,000 | $52,000 | $97,000 | $36,000 | $76,000 |
| Credit Application Incomplete | 14 | $957,000 | $68,000 | $164,000 | $51,000 | $100,000 |
| Debt-To-Income Ratio | 10 | $729,000 | $72,000 | $185,000 | $46,000 | $78,000 |
| Collateral | 9 | $566,000 | $62,000 | $109,000 | $48,000 | $92,000 |
| Employment History | 3 | $201,000 | $67,000 | $75,000 | $17,000 | $36,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $32,000 | $32,000 |
| 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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