O'Brien County, IA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 201 mortgage applications in O'Brien County, IA totaling $18.4 million, about the same as 2010. The average application was for $91,000, and applicants reported an average income of $56,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 39 applications, followed by Embrace Home Loans, Inc. and Wells Fargo Bank NA.
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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 | 201 |
| Total Mortgage Loan Application Amount | $18,421,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $475,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 39 | $ 3,598,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 23 | $ 1,522,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 21 | $ 2,082,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 12 | $ 790,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 9 | $ 1,034,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 9 | $ 691,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 9 | $ 935,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 812,864,000 | 9 | $ 984,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 494,772,000 | 8 | $ 1,106,000 |
| Ackley State Bank 650 MAIN ST BOX 149 ACKLEY, IA 50601 |
* | $ 128,319,000 | 6 | $ 1,012,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 5 | $ 322,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 196,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 432,050,000 | 3 | $ 157,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 3 | $ 600,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 3 | $ 297,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 227,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 77,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,984,000 | 2 | $ 100,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 129,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 184,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 42,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 32,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 1 | $ 122,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 118,474,000 | 1 | $ 75,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 552,671,000 | 1 | $ 85,000 |
| Liberty Bank F.S.B. 3800 100TH ST URBANDALE, IA 50322 |
* | $ 1,076,011,000 | 1 | $ 37,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 321,210,000 | 1 | $ 69,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 41,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 271,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 47,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 143,000 |
| First National Bank 111 CENTRAL AVE NW LE MARS, IA 51031 |
* | $ 243,577,000 | 1 | $ 116,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 125,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 69,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 48,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 83,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 139,488,000 | 1 | $ 34,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,783,385,000 | 1 | $ 62,000 |
The tables below break down 2011 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 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 | 138 | $13,888,000 | $100,000 | $400,000 | $63,000 | $475,000 |
| Home Purchase | 59 | $4,415,000 | $74,000 | $190,000 | $38,000 | $159,000 |
| Home Improvement | 4 | $118,000 | $29,000 | $56,000 | $71,000 | $92,000 |
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 | 170 | $15,977,000 | $93,000 | $400,000 | $60,000 | $475,000 |
| Not Provided | 16 | $1,409,000 | $88,000 | $143,000 | $60,000 | $117,000 |
| Not applicable | 13 | $884,000 | $68,000 | $110,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $38,000 | $38,000 |
| Hispanic | 1 | $66,000 | $66,000 | $66,000 | $27,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 122 | $11,875,000 | $97,000 | $400,000 | $66,000 | $475,000 |
| FHA-insured (Federal Housing Administration) | 53 | $4,546,000 | $85,000 | $271,000 | $47,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,466,000 | $69,000 | $107,000 | $25,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 5 | $534,000 | $106,000 | $161,000 | $22,000 | $42,000 |
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 | 105 | $10,009,000 | $95,000 | $400,000 | $64,000 | $475,000 |
| Loan Purchased By The Institution | 32 | $3,061,000 | $95,000 | $247,000 | $35,000 | $160,000 |
| Application Denied By Financial Institution | 30 | $2,729,000 | $90,000 | $281,000 | $52,000 | $173,000 |
| Application Withdrawn By Applicant | 26 | $2,016,000 | $77,000 | $236,000 | $54,000 | $117,000 |
| File Closed For Incompleteness | 6 | $394,000 | $65,000 | $122,000 | $55,000 | $95,000 |
| Application Approved But Not Accepted | 2 | $212,000 | $106,000 | $190,000 | $28,000 | $40,000 |
| 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 | 7 | $605,000 | $86,000 | $281,000 | $63,000 | $173,000 |
| Collateral | 6 | $660,000 | $110,000 | $240,000 | $63,000 | $100,000 |
| Credit Application Incomplete | 4 | $304,000 | $76,000 | $124,000 | $65,000 | $95,000 |
| Debt-To-Income Ratio | 2 | $196,000 | $98,000 | $125,000 | $15,000 | $30,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $12,000 | $12,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $277,000 | $277,000 | $277,000 | $88,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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