Sac County, IA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 208 mortgage applications in Sac County, IA totaling $20.1 million, down 15% from 2016. The average application was for $96,000, and applicants reported an average income of $98,000. 68% of applications resulted in an originated loan and 18% were denied. The most active lender was United Bank of Iowa, with 95 applications, followed by Central Bank and Iowa Bankers Mortgage Corporation.
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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 | 208 |
| Total Mortgage Loan Application Amount | $20,141,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $1,798,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,402,559,000 | 95 | $ 9,355,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 747,213,000 | 14 | $ 902,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 10 | $ 1,301,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 8 | $ 789,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 138,739,000 | 8 | $ 461,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 5 | $ 449,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,146,128,000 | 4 | $ 486,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 553,662,000 | 4 | $ 602,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 4 | $ 323,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 345,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 3 | $ 55,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 818,053,000 | 3 | $ 223,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 183,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ -1,000 | 2 | $ 137,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 96,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 452,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 4,202,354,000 | 1 | $ 160,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 59,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 104,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ -1,000 | 1 | $ 94,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 352,166,000 | 1 | $ 196,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 952,870,000 | 1 | $ 276,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 32,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 108,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 30,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 127,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 282,922,000 | 1 | $ 94,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 13,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,418,149,000 | 1 | $ 133,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 160,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 1 | $ 100,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 48,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 100,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 514,606,000 | 1 | $ 255,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 402,500,000 | 1 | $ 19,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 25,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 115,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,515,035,000 | 1 | $ 96,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 408,950,000 | 1 | $ 70,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 127,000 |
The tables below break down 2017 mortgage applications in Sac 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 Sac County, IA in 2017
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 | 102 | $9,178,000 | $89,000 | $400,000 | $66,000 | $385,000 |
| Refinancing | 68 | $9,895,000 | $145,000 | $1,800,000 | $168,000 | $1,798,000 |
| Home Improvement | 38 | $1,068,000 | $28,000 | $175,000 | $57,000 | $159,000 |
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 | 178 | $18,027,000 | $101,000 | $1,800,000 | $107,000 | $1,798,000 |
| Not applicable | 11 | $786,000 | $71,000 | $136,000 | $10,000 | $70,000 |
| Hispanic | 10 | $544,000 | $54,000 | $110,000 | $47,000 | $76,000 |
| Not Provided | 7 | $587,000 | $83,000 | $225,000 | $97,000 | $214,000 |
| American Indian or Alaskan Native | 1 | $54,000 | $54,000 | $54,000 | $71,000 | $71,000 |
| Asian | 1 | $143,000 | $143,000 | $143,000 | $48,000 | $48,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 157 | $16,194,000 | $103,000 | $1,800,000 | $114,000 | $1,798,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $2,001,000 | $69,000 | $143,000 | $38,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,123,000 | $102,000 | $160,000 | $83,000 | $318,000 |
| FHA-insured (Federal Housing Administration) | 11 | $823,000 | $74,000 | $160,000 | $47,000 | $120,000 |
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 | 142 | $13,862,000 | $97,000 | $1,800,000 | $110,000 | $1,798,000 |
| Application Denied By Financial Institution | 38 | $3,714,000 | $97,000 | $385,000 | $85,000 | $345,000 |
| Application Withdrawn By Applicant | 10 | $1,029,000 | $102,000 | $350,000 | $65,000 | $120,000 |
| Loan Purchased By The Institution | 9 | $624,000 | $69,000 | $127,000 | $20,000 | $70,000 |
| Application Approved But Not Accepted | 8 | $858,000 | $107,000 | $400,000 | $82,000 | $198,000 |
| File Closed For Incompleteness | 1 | $54,000 | $54,000 | $54,000 | $76,000 | $76,000 |
| 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 | 7 | $858,000 | $122,000 | $385,000 | $60,000 | $123,000 |
| Credit Application Incomplete | 6 | $580,000 | $96,000 | $194,000 | $76,000 | $119,000 |
| Debt-To-Income Ratio | 5 | $628,000 | $125,000 | $210,000 | $55,000 | $95,000 |
| Credit History | 2 | $152,000 | $76,000 | $106,000 | $83,000 | $114,000 |
| Other | 1 | $32,000 | $32,000 | $32,000 | $86,000 | $86,000 |
| Employment History | 1 | $30,000 | $30,000 | $30,000 | $29,000 | $29,000 |
| 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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