Osceola County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 98 mortgage applications in Osceola County, IA totaling $9.4 million, up 8% from 2015. The average application was for $96,000, and applicants reported an average income of $57,000. 47% of applications resulted in an originated loan and 35% were denied. The most active lender was US Bank, N.A., with 19 applications, followed by loanDepot.com LLC 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 | 98 |
| Total Mortgage Loan Application Amount | $9,408,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $804,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $202,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 19 | $ 1,126,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,567,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 7 | $ 631,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 466,416,000 | 5 | $ 1,118,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 5 | $ 312,000 |
| Security Savings Bank 100 S WEST ST PO BOX 125 CANTON, SD 57013 |
* | $ 199,406,000 | 3 | $ 217,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 187,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,421,072,000 | 2 | $ 187,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 2 | $ 10,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 304,199,000 | 2 | $ 293,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 356,249,000 | 2 | $ 153,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,329,743,000 | 1 | $ 3,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 57,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 60,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 150,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 123,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 20,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 170,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 42,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Bridge Community Bank 405 E 5TH STREET PO BOX 580 SOLON, IA 52333 |
* | $ 83,550,000 | 1 | $ 272,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 119,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 102,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 96,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 138,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 77,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 53,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 703,748,000 | 1 | $ 9,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 761,418,000 | 1 | $ 124,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ 336,426,000 | 1 | $ 209,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 102,000 |
The tables below break down 2016 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 2016
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 | 54 | $6,225,000 | $115,000 | $804,000 | $54,000 | $154,000 |
| Home Purchase | 31 | $2,962,000 | $95,000 | $272,000 | $61,000 | $202,000 |
| Home Improvement | 13 | $221,000 | $17,000 | $90,000 | $59,000 | $121,000 |
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 | 77 | $7,570,000 | $98,000 | $804,000 | $57,000 | $202,000 |
| Not Provided | 15 | $1,439,000 | $95,000 | $209,000 | $71,000 | $133,000 |
| Not applicable | 3 | $267,000 | $89,000 | $123,000 | $0 | $0 |
| Hispanic | 3 | $132,000 | $44,000 | $70,000 | $45,000 | $65,000 |
| Native Hawaiin 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) | 60 | $5,747,000 | $95,000 | $804,000 | $64,000 | $202,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,128,000 | $101,000 | $209,000 | $45,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $897,000 | $81,000 | $132,000 | $45,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 6 | $636,000 | $106,000 | $170,000 | $48,000 | $91,000 |
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 | 46 | $5,011,000 | $108,000 | $804,000 | $65,000 | $202,000 |
| Application Denied By Financial Institution | 34 | $2,444,000 | $71,000 | $340,000 | $53,000 | $121,000 |
| Loan Purchased By The Institution | 9 | $968,000 | $107,000 | $209,000 | $37,000 | $133,000 |
| Application Withdrawn By Applicant | 4 | $421,000 | $105,000 | $119,000 | $63,000 | $118,000 |
| Application Approved But Not Accepted | 4 | $468,000 | $117,000 | $158,000 | $42,000 | $85,000 |
| File Closed For Incompleteness | 1 | $96,000 | $96,000 | $96,000 | $0 | $0 |
| 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 | 12 | $379,000 | $31,000 | $138,000 | $52,000 | $82,000 |
| Credit Application Incomplete | 4 | $230,000 | $57,000 | $90,000 | $50,000 | $78,000 |
| Collateral | 3 | $175,000 | $58,000 | $74,000 | $35,000 | $44,000 |
| Debt-To-Income Ratio | 3 | $100,000 | $33,000 | $60,000 | $36,000 | $44,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $121,000 | $121,000 |
| 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 |
| Other | 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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