Ringgold County, IA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 149 mortgage applications in Ringgold County, IA totaling $26.2 million, down 2% from 2024. The average application was for $175,000, and applicants reported an average income of $150,000. 67% of applications resulted in an originated loan and 13% were denied. The most active lender was US Bank, N.A., with 14 applications, followed by City 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 | 149 |
| Total Mortgage Loan Application Amount | $26,195,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $150,000 |
| Highest Applicant Income | $3,200,000 |
| 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 |
* | $ n/a | 14 | $ 1,510,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ n/a | 12 | $ 2,850,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 11 | $ 1,105,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 9 | $ 1,445,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ n/a | 9 | $ 875,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ n/a | 7 | $ 805,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 1,090,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 6 | $ 1,210,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 5 | $ 405,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ n/a | 4 | $ 400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 800,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 4 | $ 670,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 445,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 1,325,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 3 | $ 415,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 70,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 940,000 |
| South Story Bank & Trust 501 LINN ST SLATER, IA 50244 |
* | $ n/a | 2 | $ 290,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 190,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 350,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 130,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 1 | $ 655,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 125,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 105,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 925,000 |
| Serve Credit Union 423 E COURT AVE DES MOINES, IA 50309 |
* | $ n/a | 1 | $ 395,000 |
| Farmers & Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ n/a | 1 | $ 105,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 225,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 265,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 125,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 55,000 |
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ n/a | 1 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 105,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 925,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 335,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 55,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 145,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 45,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ n/a | 1 | $ 175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 85,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ n/a | 1 | $ 295,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 405,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 545,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ n/a | 1 | $ 225,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2025 mortgage applications in Ringgold 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 Ringgold County, IA in 2025
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 | 64 | $14,340,000 | $224,000 | $925,000 | $134,000 | $714,000 |
| Refinancing | 34 | $6,700,000 | $197,000 | $555,000 | $274,000 | $3,200,000 |
| Home Improvement | 23 | $1,335,000 | $58,000 | $155,000 | $103,000 | $272,000 |
| Cash-out Refinancing | 19 | $2,765,000 | $145,000 | $575,000 | $88,000 | $429,000 |
| Other Purpose | 9 | $1,055,000 | $117,000 | $605,000 | $136,000 | $578,000 |
| 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 | 127 | $20,145,000 | $158,000 | $925,000 | $152,000 | $3,200,000 |
| Not applicable | 14 | $4,560,000 | $325,000 | $925,000 | $386,000 | $386,000 |
| Not Provided | 6 | $1,350,000 | $225,000 | $625,000 | $105,000 | $173,000 |
| Hispanic | 2 | $140,000 | $70,000 | $85,000 | $47,000 | $53,000 |
| 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) | 122 | $22,260,000 | $182,000 | $925,000 | $164,000 | $3,200,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,700,000 | $121,000 | $225,000 | $58,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,985,000 | $180,000 | $415,000 | $96,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $250,000 | $125,000 | $125,000 | $53,000 | $53,000 |
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 | 100 | $17,170,000 | $171,000 | $925,000 | $132,000 | $714,000 |
| Application Denied By Financial Institution | 19 | $1,755,000 | $92,000 | $415,000 | $87,000 | $273,000 |
| Application Withdrawn By Applicant | 14 | $2,980,000 | $212,000 | $625,000 | $130,000 | $256,000 |
| Loan Purchased By The Institution | 8 | $2,950,000 | $368,000 | $925,000 | $386,000 | $386,000 |
| File Closed For Incompleteness | 7 | $1,255,000 | $179,000 | $555,000 | $618,000 | $3,200,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $42,000 | $42,000 |
| 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 | 105 | $19,775,000 | $188,000 | $925,000 | $160,000 | $3,200,000 |
| Debt-To-Income Ratio | 32 | $5,220,000 | $163,000 | $605,000 | $138,000 | $714,000 |
| Credit History | 6 | $740,000 | $123,000 | $415,000 | $90,000 | $183,000 |
| Collateral | 4 | $320,000 | $80,000 | $95,000 | $133,000 | $273,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $62,000 | $62,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
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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