Shelby County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 316 mortgage applications in Shelby County, IA totaling $37.1 million, down 10% from 2017. The average application was for $117,000, and applicants reported an average income of $69,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 54 applications, followed by United Bank of Iowa 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 | 316 |
| Total Mortgage Loan Application Amount | $37,090,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $261,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 |
* | $ -1,000 | 54 | $ 6,720,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,490,031,000 | 15 | $ 1,525,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 14 | $ 1,740,000 |
| Farmers Trust and Savings Bank Earling, Iowa 122 MAIN ST BOX 285 EARLING, IA 51530 |
* | $ 88,230,000 | 14 | $ 730,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 382,629,000 | 13 | $ 1,245,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 12 | $ 1,100,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 10 | $ 850,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 960,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 8 | $ 790,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 8 | $ 830,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,567,564,000 | 7 | $ 685,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 7 | $ 895,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 7 | $ 1,395,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 455,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 575,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 984,052,000 | 4 | $ 310,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 4 | $ 250,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 690,531,000 | 4 | $ 590,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 350,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 658,607,000 | 4 | $ 140,000 |
| Access Bank 8712 WEST DODGE ROAD OMAHA, NE 68114 |
* | $ 526,048,000 | 3 | $ 135,000 |
| Community Bank 601 IOWA AVE., PO BOX 145 DUNLAP, IA 51529 |
* | $ 93,581,000 | 3 | $ 95,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 685,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 125,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,609,368,000 | 3 | $ 215,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 922,150,000 | 3 | $ 495,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 3 | $ 565,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 305,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 315,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 295,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 210,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 308,742,000 | 2 | $ 60,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 260,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 2 | $ 230,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 130,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 260,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 110,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,625,986,000 | 2 | $ 390,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 90,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 125,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 1 | $ 175,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 8,144,695,000 | 1 | $ 3,205,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 1 | $ 155,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 1 | $ 145,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 422,356,000 | 1 | $ 125,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 105,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 215,000 |
| Kellogg Midwest Federal Credit Union 9618 BRENTWOOD DR LA VISTA, NE 68128 |
* | $ 45,791,000 | 1 | $ 65,000 |
| Journey Credit Union 1400 2ND AVE DES MOINES, IA 50314 |
* | $ 55,193,000 | 1 | $ 15,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 55,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ 4,473,611,000 | 1 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 365,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 75,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 679,504,000 | 1 | $ 55,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 125,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 55,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 85,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 85,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ 331,727,000 | 1 | $ 75,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 75,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 1,685,749,000 | 1 | $ 15,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 125,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 145,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 165,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 165,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 115,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 355,000 |
The tables below break down 2018 mortgage applications in Shelby 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 Shelby 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 | 163 | $22,555,000 | $138,000 | $3,205,000 | $72,000 | $261,000 |
| Cash-out Refinancing | 64 | $7,650,000 | $119,000 | $355,000 | $66,000 | $223,000 |
| Refinancing | 50 | $4,640,000 | $92,000 | $315,000 | $68,000 | $147,000 |
| Other Purpose | 20 | $1,320,000 | $66,000 | $145,000 | $68,000 | $122,000 |
| Home Improvement | 18 | $860,000 | $47,000 | $105,000 | $59,000 | $108,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 260 | $28,280,000 | $108,000 | $355,000 | $69,000 | $261,000 |
| Not applicable | 27 | $5,625,000 | $208,000 | $3,205,000 | $30,000 | $30,000 |
| Not Provided | 23 | $2,695,000 | $117,000 | $365,000 | $75,000 | $219,000 |
| Hispanic | 5 | $415,000 | $83,000 | $135,000 | $50,000 | $98,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $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 |
| American Indian or Alaskan Native | 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) | 227 | $26,605,000 | $117,000 | $3,205,000 | $72,000 | $261,000 |
| FHA-insured (Federal Housing Administration) | 44 | $4,640,000 | $105,000 | $235,000 | $60,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,260,000 | $163,000 | $275,000 | $80,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,585,000 | $83,000 | $135,000 | $41,000 | $67,000 |
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 | 190 | $19,970,000 | $105,000 | $355,000 | $71,000 | $261,000 |
| Application Denied By Financial Institution | 52 | $5,450,000 | $104,000 | $365,000 | $60,000 | $169,000 |
| Application Withdrawn By Applicant | 33 | $3,725,000 | $112,000 | $245,000 | $67,000 | $131,000 |
| Loan Purchased By The Institution | 22 | $2,480,000 | $112,000 | $245,000 | $82,000 | $141,000 |
| Application Approved But Not Accepted | 11 | $4,235,000 | $385,000 | $3,205,000 | $81,000 | $135,000 |
| File Closed For Incompleteness | 7 | $1,055,000 | $150,000 | $315,000 | $71,000 | $115,000 |
| Preapproval Denied by Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $113,000 | $113,000 |
| Preapproval Approved but not Accepted | 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 | 241 | $30,555,000 | $126,000 | $3,205,000 | $70,000 | $261,000 |
| Debt-To-Income Ratio | 32 | $1,940,000 | $60,000 | $315,000 | $64,000 | $147,000 |
| Collateral | 15 | $2,085,000 | $139,000 | $365,000 | $86,000 | $160,000 |
| Credit History | 15 | $1,255,000 | $83,000 | $215,000 | $56,000 | $114,000 |
| Credit Application Incomplete | 4 | $430,000 | $107,000 | $215,000 | $85,000 | $169,000 |
| Other | 4 | $370,000 | $92,000 | $125,000 | $36,000 | $65,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $145,000 | $57,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $85,000 | $33,000 | $43,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 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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