Sac County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 181 mortgage applications in Sac County, IA totaling $15.4 million, down 13% from 2017. The average application was for $85,000, and applicants reported an average income of $70,000. 59% of applications resulted in an originated loan and 22% were denied. The most active lender was United Bank of Iowa, with 57 applications, followed by Dupaco Community Credit Union and First State 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 | 181 |
| Total Mortgage Loan Application Amount | $15,405,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $542,000 |
| 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 |
* | $ 1,490,031,000 | 57 | $ 4,525,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,609,368,000 | 16 | $ 870,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 154,565,000 | 10 | $ 760,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 9 | $ 1,175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,165,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 818,571,000 | 8 | $ 530,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 725,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 170,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 350,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 405,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,541,610,000 | 2 | $ 90,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 2 | $ 180,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 412,119,000 | 2 | $ 190,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 690,531,000 | 2 | $ 180,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 658,607,000 | 2 | $ 50,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 230,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 60,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 5,405,278,000 | 2 | $ 90,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 155,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 1 | $ 235,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 85,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,417,210,000 | 1 | $ 35,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 125,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 275,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 65,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 65,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 35,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 476,857,000 | 1 | $ 35,000 |
| Serve Credit Union 423 E COURT AVE DES MOINES, IA 50309 |
* | $ 66,988,000 | 1 | $ 25,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 1 | $ 65,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 85,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 75,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 125,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 835,005,000 | 1 | $ 25,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 165,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 235,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 35,000 |
The tables below break down 2018 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 2018
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 | 88 | $7,160,000 | $81,000 | $275,000 | $63,000 | $305,000 |
| Cash-out Refinancing | 39 | $4,435,000 | $113,000 | $295,000 | $69,000 | $224,000 |
| Refinancing | 24 | $2,460,000 | $102,000 | $325,000 | $74,000 | $140,000 |
| Home Improvement | 14 | $540,000 | $38,000 | $125,000 | $111,000 | $542,000 |
| Other Purpose | 13 | $635,000 | $48,000 | $85,000 | $61,000 | $130,000 |
| Not Applicable | 3 | $175,000 | $58,000 | $75,000 | $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 | 149 | $13,135,000 | $88,000 | $325,000 | $73,000 | $542,000 |
| Not applicable | 10 | $770,000 | $77,000 | $155,000 | $0 | $0 |
| Not Provided | 9 | $725,000 | $80,000 | $275,000 | $61,000 | $116,000 |
| Hispanic | 6 | $390,000 | $65,000 | $85,000 | $48,000 | $106,000 |
| Asian | 4 | $210,000 | $52,000 | $105,000 | $50,000 | $75,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $36,000 | $36,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $30,000 | $30,000 |
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) | 126 | $10,140,000 | $80,000 | $325,000 | $75,000 | $542,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,205,000 | $88,000 | $295,000 | $55,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,340,000 | $74,000 | $155,000 | $37,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,720,000 | $143,000 | $235,000 | $89,000 | $209,000 |
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 | 107 | $8,985,000 | $83,000 | $325,000 | $77,000 | $542,000 |
| Application Denied By Financial Institution | 39 | $3,295,000 | $84,000 | $225,000 | $51,000 | $140,000 |
| Application Withdrawn By Applicant | 17 | $1,255,000 | $73,000 | $195,000 | $69,000 | $142,000 |
| Loan Purchased By The Institution | 8 | $830,000 | $103,000 | $275,000 | $62,000 | $62,000 |
| File Closed For Incompleteness | 5 | $695,000 | $139,000 | $275,000 | $79,000 | $114,000 |
| Application Approved But Not Accepted | 5 | $345,000 | $69,000 | $115,000 | $50,000 | $92,000 |
| 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 | 132 | $11,460,000 | $86,000 | $325,000 | $72,000 | $542,000 |
| Debt-To-Income Ratio | 21 | $1,735,000 | $82,000 | $235,000 | $79,000 | $305,000 |
| Credit History | 12 | $800,000 | $66,000 | $225,000 | $48,000 | $93,000 |
| Credit Application Incomplete | 8 | $640,000 | $80,000 | $155,000 | $65,000 | $106,000 |
| Collateral | 4 | $310,000 | $77,000 | $125,000 | $49,000 | $82,000 |
| Other | 2 | $360,000 | $180,000 | $215,000 | $61,000 | $63,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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