O'Brien County, IA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 315 mortgage applications in O'Brien County, IA totaling $36.4 million, up 31% from 2016. The average application was for $115,000, and applicants reported an average income of $72,000. 65% of applications resulted in an originated loan and 15% were denied. The most active lender was Iowa State Bank, with 70 applications, followed by Iowa Bankers Mortgage Corporation and Peoples 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 | 315 |
| Total Mortgage Loan Application Amount | $36,397,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $579,000 |
* 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 |
|---|---|---|---|---|
| Iowa State Bank 1101 MAIN STREET HULL, IA 51239 |
* | $ 570,641,000 | 70 | $ 9,151,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 49 | $ 5,286,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 473,213,000 | 25 | $ 2,103,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 848,982,000 | 14 | $ 1,293,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,451,607,000 | 12 | $ 938,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 553,662,000 | 10 | $ 992,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 10 | $ 1,062,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 7 | $ 739,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 650,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 532,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 5 | $ 436,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 181,659,000 | 4 | $ 478,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 4 | $ 593,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 3 | $ 226,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 283,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 242,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 747,213,000 | 3 | $ 206,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 629,000,000 | 3 | $ 584,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 388,940,000 | 3 | $ 255,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 277,105,000 | 3 | $ 1,094,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 405,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 154,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 239,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 293,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 2 | $ 129,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 2 | $ 161,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 477,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 188,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 142,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 2 | $ 100,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 225,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 2 | $ 50,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 232,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 133,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,020,784,000 | 1 | $ 182,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 306,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 229,166,000 | 1 | $ 209,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 291,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 180,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 160,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 119,269,000 | 1 | $ 110,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 88,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 80,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 1 | $ 134,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 94,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,870,076,000 | 1 | $ 135,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 291,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 1 | $ 76,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 67,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 62,000 |
| Bridge Community Bank 405 E 5TH STREET PO BOX 580 SOLON, IA 52333 |
* | $ 88,916,000 | 1 | $ 475,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 5,382,961,000 | 1 | $ 115,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 85,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,553,702,000 | 1 | $ 71,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 115,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 98,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 242,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 400,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 194,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 1 | $ 304,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 306,000 |
The tables below break down 2017 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 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 164 | $17,403,000 | $106,000 | $475,000 | $48,000 | $211,000 |
| Refinancing | 132 | $17,517,000 | $132,000 | $975,000 | $102,000 | $579,000 |
| Home Improvement | 19 | $1,477,000 | $77,000 | $400,000 | $76,000 | $289,000 |
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 | 253 | $29,183,000 | $115,000 | $975,000 | $81,000 | $579,000 |
| Not applicable | 30 | $3,712,000 | $123,000 | $475,000 | $13,000 | $89,000 |
| Not Provided | 22 | $2,557,000 | $116,000 | $400,000 | $50,000 | $145,000 |
| Hispanic | 9 | $765,000 | $85,000 | $153,000 | $71,000 | $305,000 |
| American Indian or Alaskan Native | 1 | $180,000 | $180,000 | $180,000 | $70,000 | $70,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 216 | $25,691,000 | $118,000 | $975,000 | $85,000 | $579,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,609,000 | $112,000 | $306,000 | $46,000 | $305,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $2,758,000 | $83,000 | $183,000 | $36,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,339,000 | $133,000 | $291,000 | $53,000 | $139,000 |
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 | 204 | $24,615,000 | $120,000 | $975,000 | $84,000 | $579,000 |
| Application Denied By Financial Institution | 47 | $4,460,000 | $94,000 | $400,000 | $58,000 | $305,000 |
| Loan Purchased By The Institution | 31 | $3,960,000 | $127,000 | $306,000 | $26,000 | $89,000 |
| Application Withdrawn By Applicant | 16 | $1,469,000 | $91,000 | $182,000 | $69,000 | $276,000 |
| Application Approved But Not Accepted | 11 | $1,111,000 | $101,000 | $247,000 | $48,000 | $118,000 |
| File Closed For Incompleteness | 6 | $782,000 | $130,000 | $320,000 | $59,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $525,000 | $75,000 | $161,000 | $68,000 | $150,000 |
| Credit Application Incomplete | 6 | $415,000 | $69,000 | $124,000 | $39,000 | $64,000 |
| Credit History | 5 | $352,000 | $70,000 | $93,000 | $45,000 | $56,000 |
| Other | 3 | $262,000 | $87,000 | $128,000 | $45,000 | $48,000 |
| Collateral | 2 | $399,000 | $199,000 | $242,000 | $67,000 | $78,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $20,000 | $20,000 |
| Employment History | 1 | $159,000 | $159,000 | $159,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $64,000 | $64,000 |
| 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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