O'Brien County, IA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 296 mortgage applications in O'Brien County, IA totaling $37.5 million, up 10% from 2018. The average application was for $126,000, and applicants reported an average income of $68,000. 74% of applications resulted in an originated loan and 12% were denied. The most active lender was Iowa State Bank, with 80 applications, followed by Iowa Bankers Mortgage Corporation and American State 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 | 296 |
| Total Mortgage Loan Application Amount | $37,480,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $3,325,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $263,000 |
* 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 |
* | $ 619,537,000 | 80 | $ 8,630,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 47 | $ 6,015,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 932,853,000 | 26 | $ 3,240,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,606,623,000 | 18 | $ 1,280,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 584,195,000 | 10 | $ 1,230,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 7 | $ 645,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 6 | $ 850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 530,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 4 | $ 630,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 4 | $ 580,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 460,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 305,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 870,984,000 | 3 | $ 3,505,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 3 | $ 375,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 605,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 715,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 3 | $ 255,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,575,399,000 | 2 | $ 370,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,761,153,000 | 2 | $ 380,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 190,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 100,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 130,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 225,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 55,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 155,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 135,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 6,168,996,000 | 1 | $ 35,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 45,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 135,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 175,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 175,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 391,851,000 | 1 | $ 175,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 95,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 75,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 75,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 95,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 561,866,000 | 1 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 55,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 217,309,000 | 1 | $ 85,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 455,101,000 | 1 | $ 155,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 225,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 23,137,750,000 | 1 | $ 505,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 135,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 45,000 |
| N.W. Iowa Credit Union 1411 INDUSTRIAL RD SW LEMARS, IA 51031 |
* | $ 50,127,000 | 1 | $ 45,000 |
| Security Savings Bank 100 S WEST ST PO BOX 125 CANTON, SD 57013 |
* | $ 235,716,000 | 1 | $ 245,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 1 | $ 105,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 175,000 |
| Telco Triad Community CU Hmda 2025 1420 TRI VIEW AVE SIOUX CITY, IA 51108 |
* | $ 91,482,000 | 1 | $ 5,000 |
The tables below break down 2019 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 2019
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 | 154 | $20,200,000 | $131,000 | $3,325,000 | $62,000 | $217,000 |
| Refinancing | 74 | $9,210,000 | $124,000 | $355,000 | $76,000 | $263,000 |
| Cash-out Refinancing | 51 | $6,595,000 | $129,000 | $425,000 | $73,000 | $237,000 |
| Home Improvement | 8 | $890,000 | $111,000 | $305,000 | $73,000 | $125,000 |
| Other Purpose | 7 | $485,000 | $69,000 | $275,000 | $76,000 | $213,000 |
| Not Applicable | 2 | $100,000 | $50,000 | $55,000 | $0 | $0 |
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 | 254 | $29,760,000 | $117,000 | $505,000 | $69,000 | $263,000 |
| Not Provided | 17 | $2,245,000 | $132,000 | $425,000 | $58,000 | $139,000 |
| Not applicable | 15 | $4,635,000 | $309,000 | $3,325,000 | $38,000 | $40,000 |
| Hispanic | 7 | $495,000 | $70,000 | $145,000 | $58,000 | $202,000 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $75,000 | $75,000 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $99,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 220 | $28,850,000 | $131,000 | $3,325,000 | $74,000 | $263,000 |
| FHA-insured (Federal Housing Administration) | 39 | $4,225,000 | $108,000 | $305,000 | $50,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,990,000 | $106,000 | $175,000 | $48,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,415,000 | $157,000 | $215,000 | $50,000 | $79,000 |
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 | 220 | $27,890,000 | $126,000 | $3,325,000 | $71,000 | $263,000 |
| Application Denied By Financial Institution | 36 | $4,530,000 | $125,000 | $425,000 | $51,000 | $139,000 |
| Application Withdrawn By Applicant | 14 | $2,100,000 | $150,000 | $285,000 | $86,000 | $217,000 |
| Loan Purchased By The Institution | 14 | $1,760,000 | $125,000 | $295,000 | $51,000 | $70,000 |
| File Closed For Incompleteness | 8 | $910,000 | $113,000 | $155,000 | $51,000 | $99,000 |
| Application Approved But Not Accepted | 4 | $290,000 | $72,000 | $165,000 | $60,000 | $97,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 157 | $21,115,000 | $134,000 | $3,325,000 | $69,000 | $263,000 |
| Debt-To-Income Ratio | 119 | $13,695,000 | $115,000 | $335,000 | $69,000 | $205,000 |
| Credit History | 7 | $635,000 | $90,000 | $125,000 | $51,000 | $81,000 |
| Other | 5 | $695,000 | $139,000 | $305,000 | $53,000 | $102,000 |
| Credit Application Incomplete | 5 | $645,000 | $129,000 | $195,000 | $57,000 | $87,000 |
| Collateral | 3 | $695,000 | $231,000 | $425,000 | $74,000 | $139,000 |
| Unverifiable Information | 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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