Osceola County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 111 mortgage applications in Osceola County, IA totaling $8.0 million, up 16% from 2011. The average application was for $72,000, and applicants reported an average income of $64,000. 62% of applications resulted in an originated loan and 23% were denied. The most active lender was US Bk NA Nd, with 35 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 111 |
| Total Mortgage Loan Application Amount | $8,029,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $258,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,123,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 35 | $ 2,028,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 11 | $ 684,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 11 | $ 935,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 5 | $ 228,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 4 | $ 298,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 317,191,000 | 4 | $ 526,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 371,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 3 | $ 386,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 3 | $ 246,000 |
| Security Savings Bank 100 S WEST ST PO BOX 125 CANTON, SD 57013 |
* | $ 150,539,000 | 2 | $ 139,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,119,448,000 | 2 | $ 97,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 2 | $ 86,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 53,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 82,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 459,848,000 | 1 | $ 91,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 52,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 47,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 290,071,000 | 1 | $ 59,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 70,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 258,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 155,634,000 | 1 | $ 104,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 1 | $ 89,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,089,899,000 | 1 | $ 81,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 64,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 60,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 70,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 56,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 83,000 |
The tables below break down 2012 mortgage applications in Osceola 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 Osceola County, IA in 2012
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 | 76 | $5,771,000 | $75,000 | $258,000 | $72,000 | $1,123,000 |
| Home Purchase | 31 | $2,118,000 | $68,000 | $204,000 | $48,000 | $137,000 |
| Home Improvement | 4 | $140,000 | $35,000 | $68,000 | $42,000 | $72,000 |
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 | 101 | $7,372,000 | $72,000 | $258,000 | $57,000 | $175,000 |
| Not Provided | 6 | $317,000 | $52,000 | $86,000 | $218,000 | $1,123,000 |
| Not applicable | 2 | $90,000 | $45,000 | $48,000 | $0 | $0 |
| Hispanic | 2 | $250,000 | $125,000 | $140,000 | $54,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 80 | $5,744,000 | $71,000 | $255,000 | $74,000 | $1,123,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,591,000 | $79,000 | $258,000 | $46,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $381,000 | $63,000 | $110,000 | $33,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 5 | $313,000 | $62,000 | $80,000 | $29,000 | $74,000 |
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 | 69 | $4,943,000 | $71,000 | $204,000 | $76,000 | $1,123,000 |
| Application Denied By Financial Institution | 26 | $2,077,000 | $79,000 | $258,000 | $48,000 | $107,000 |
| Application Withdrawn By Applicant | 7 | $338,000 | $48,000 | $109,000 | $43,000 | $79,000 |
| Loan Purchased By The Institution | 7 | $476,000 | $68,000 | $110,000 | $35,000 | $75,000 |
| File Closed For Incompleteness | 1 | $140,000 | $140,000 | $140,000 | $71,000 | $71,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $71,000 | $71,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $544,000 | $68,000 | $129,000 | $69,000 | $107,000 |
| Credit History | 6 | $493,000 | $82,000 | $258,000 | $37,000 | $78,000 |
| Debt-To-Income Ratio | 2 | $177,000 | $88,000 | $95,000 | $36,000 | $37,000 |
| Other | 2 | $114,000 | $57,000 | $68,000 | $66,000 | $94,000 |
| Unverifiable Information | 1 | $49,000 | $49,000 | $49,000 | $20,000 | $20,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $92,000 | $92,000 | $92,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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