O'Brien County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 257 mortgage applications in O'Brien County, IA totaling $51.2 million, down 35% from 2021. The average application was for $199,000, and applicants reported an average income of $77,000. 67% of applications resulted in an originated loan and 11% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 36 applications, followed by American State Bank and Northwest 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 | 257 |
| Total Mortgage Loan Application Amount | $51,205,000 |
| Average Mortgage Loan Application Amount | $199,000 |
| Highest Mortgage Loan Application Amount | $9,045,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,213,000 |
* 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 Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 36 | $ 5,080,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 1,189,079,000 | 31 | $ 10,435,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,278,779,000 | 25 | $ 3,665,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 14 | $ 1,480,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,889,083,000 | 11 | $ 1,895,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 10 | $ 840,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 801,659,000 | 10 | $ 2,050,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,295,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 950,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 6 | $ 330,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,731,908,000 | 5 | $ 575,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 5 | $ 985,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 4 | $ 670,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 349,214,000 | 4 | $ 530,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 4 | $ 670,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 3 | $ 505,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 535,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 3 | $ 445,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 335,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 2,102,938,000 | 3 | $ 1,165,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,432,330,000 | 3 | $ 485,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 185,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 3 | $ 235,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 70,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 400,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 160,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 270,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 470,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 2 | $ 380,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 60,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 185,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 1 | $ 185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 195,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 1,464,817,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 65,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 3,167,797,000 | 1 | $ 9,045,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 185,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 255,000 |
| N.W. Iowa Credit Union 1411 INDUSTRIAL RD SW LEMARS, IA 51031 |
* | $ 75,472,000 | 1 | $ 45,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 556,335,000 | 1 | $ 75,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 105,000 |
| Citizens Alliance Bank 55 NW 1ST ST NW PO BOX 430 CLARA CITY, MN 56222 |
* | $ 1,056,226,000 | 1 | $ 85,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 1,948,614,000 | 1 | $ 35,000 |
| Security Savings Bank LARCHWOOD, IA 51241 |
* | $ 488,193,000 | 1 | $ 155,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 155,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 690,030,000 | 1 | $ 305,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 175,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 85,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 1 | $ 75,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 355,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 225,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 1,461,478,000 | 1 | $ 95,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 255,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 65,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 195,000 |
The tables below break down 2022 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 2022
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 | $28,330,000 | $183,000 | $3,115,000 | $78,000 | $1,213,000 |
| Cash-out Refinancing | 39 | $4,955,000 | $127,000 | $505,000 | $69,000 | $270,000 |
| Refinancing | 34 | $15,880,000 | $467,000 | $9,045,000 | $88,000 | $274,000 |
| Other Purpose | 16 | $1,050,000 | $65,000 | $115,000 | $62,000 | $132,000 |
| Home Improvement | 12 | $640,000 | $53,000 | $135,000 | $91,000 | $397,000 |
| Not Applicable | 2 | $350,000 | $175,000 | $275,000 | $28,000 | $28,000 |
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 | 188 | $26,940,000 | $143,000 | $665,000 | $80,000 | $1,213,000 |
| Not Provided | 26 | $3,600,000 | $138,000 | $485,000 | $59,000 | $187,000 |
| Not applicable | 25 | $18,385,000 | $735,000 | $9,045,000 | $28,000 | $28,000 |
| Hispanic | 16 | $1,970,000 | $123,000 | $255,000 | $74,000 | $270,000 |
| Asian | 1 | $255,000 | $255,000 | $255,000 | $106,000 | $106,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $56,000 | $56,000 |
| 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) | 168 | $38,610,000 | $229,000 | $9,045,000 | $86,000 | $1,213,000 |
| FHA-insured (Federal Housing Administration) | 45 | $6,615,000 | $147,000 | $305,000 | $65,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,120,000 | $120,000 | $175,000 | $46,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,860,000 | $158,000 | $255,000 | $75,000 | $270,000 |
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 | 171 | $39,635,000 | $231,000 | $9,045,000 | $83,000 | $1,213,000 |
| Application Denied By Financial Institution | 27 | $3,425,000 | $126,000 | $505,000 | $57,000 | $106,000 |
| Application Withdrawn By Applicant | 27 | $3,235,000 | $119,000 | $255,000 | $67,000 | $173,000 |
| Loan Purchased By The Institution | 19 | $3,405,000 | $179,000 | $315,000 | $65,000 | $98,000 |
| File Closed For Incompleteness | 9 | $935,000 | $103,000 | $285,000 | $67,000 | $127,000 |
| Application Approved But Not Accepted | 4 | $570,000 | $142,000 | $355,000 | $127,000 | $274,000 |
| 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 | 218 | $45,680,000 | $209,000 | $9,045,000 | $79,000 | $1,213,000 |
| Debt-To-Income Ratio | 20 | $4,100,000 | $205,000 | $505,000 | $81,000 | $212,000 |
| Credit History | 11 | $825,000 | $75,000 | $135,000 | $63,000 | $88,000 |
| Other | 2 | $150,000 | $75,000 | $85,000 | $65,000 | $75,000 |
| Collateral | 2 | $150,000 | $75,000 | $95,000 | $61,000 | $70,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $42,000 | $42,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $50,000 | $50,000 |
| 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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