Osceola County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 92 mortgage applications in Osceola County, IA totaling $12.1 million, up 1% from 2023. The average application was for $131,000, and applicants reported an average income of $94,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 8 applications, followed by Northwest Bank 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 | 92 |
| Total Mortgage Loan Application Amount | $12,120,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $898,000 |
| 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 |
* | $ n/a | 8 | $ 1,420,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 7 | $ 935,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 670,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 935,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 525,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 830,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ n/a | 3 | $ 245,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ n/a | 3 | $ 195,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 260,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 340,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 310,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 2 | $ 180,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 110,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ n/a | 2 | $ 160,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 2 | $ 100,000 |
| Frontier Bank 301 FIRST AVE ROCK RAPIDS, IA 51241 |
* | $ n/a | 2 | $ 380,000 |
| First State Bank Southwest 1433 OXFORD STREET WORTHINGTON, MN 56187 |
* | $ n/a | 2 | $ 340,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 2 | $ 230,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 210,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 115,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ n/a | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 135,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 345,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 155,000 |
| Security Savings Bank LARCHWOOD, IA 51241 |
* | $ n/a | 1 | $ 115,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ n/a | 1 | $ 75,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ n/a | 1 | $ 95,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 235,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 215,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 155,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 55,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ n/a | 1 | $ 175,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 1 | $ 285,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 215,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 2024
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 | 60 | $8,820,000 | $147,000 | $465,000 | $93,000 | $898,000 |
| Cash-out Refinancing | 15 | $2,075,000 | $138,000 | $305,000 | $104,000 | $209,000 |
| Other Purpose | 10 | $730,000 | $73,000 | $155,000 | $98,000 | $276,000 |
| Refinancing | 5 | $425,000 | $85,000 | $155,000 | $82,000 | $144,000 |
| Home Improvement | 2 | $70,000 | $35,000 | $55,000 | $70,000 | $78,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 65 | $8,925,000 | $137,000 | $465,000 | $103,000 | $898,000 |
| Hispanic | 14 | $1,830,000 | $130,000 | $345,000 | $68,000 | $103,000 |
| Not applicable | 8 | $990,000 | $123,000 | $215,000 | $0 | $0 |
| Not Provided | 5 | $375,000 | $75,000 | $145,000 | $57,000 | $87,000 |
| 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) | 66 | $8,850,000 | $134,000 | $465,000 | $102,000 | $898,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,780,000 | $127,000 | $235,000 | $69,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,145,000 | $163,000 | $345,000 | $105,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $345,000 | $69,000 | $95,000 | $54,000 | $69,000 |
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 | 52 | $7,400,000 | $142,000 | $465,000 | $104,000 | $898,000 |
| Application Denied By Financial Institution | 15 | $1,725,000 | $115,000 | $345,000 | $71,000 | $157,000 |
| Application Withdrawn By Applicant | 9 | $945,000 | $105,000 | $135,000 | $88,000 | $140,000 |
| Loan Purchased By The Institution | 9 | $1,145,000 | $127,000 | $215,000 | $95,000 | $95,000 |
| File Closed For Incompleteness | 4 | $320,000 | $80,000 | $125,000 | $66,000 | $78,000 |
| Application Approved But Not Accepted | 3 | $585,000 | $195,000 | $345,000 | $88,000 | $122,000 |
| 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 | 69 | $9,575,000 | $138,000 | $465,000 | $104,000 | $898,000 |
| Debt-To-Income Ratio | 11 | $1,145,000 | $104,000 | $265,000 | $59,000 | $92,000 |
| Collateral | 5 | $665,000 | $133,000 | $345,000 | $89,000 | $157,000 |
| Credit History | 3 | $225,000 | $75,000 | $75,000 | $55,000 | $83,000 |
| Credit Application Incomplete | 2 | $290,000 | $145,000 | $155,000 | $103,000 | $144,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $60,000 | $60,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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