Shelby County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 341 mortgage applications in Shelby County, IA totaling $51.8 million, down 26% from 2021. The average application was for $151,000, and applicants reported an average income of $95,000. 65% of applications resulted in an originated loan and 11% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 60 applications, followed by United Bank of Iowa and American National 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 | 341 |
| Total Mortgage Loan Application Amount | $51,815,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $745,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $2,554,000 |
* 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 | 60 | $ 9,080,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 2,102,938,000 | 21 | $ 2,665,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 4,712,916,000 | 17 | $ 2,245,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 15 | $ 2,445,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,885,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 9 | $ 1,215,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 650,335,000 | 8 | $ 1,020,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 7 | $ 1,755,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 6 | $ 860,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 6 | $ 970,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 6 | $ 600,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 6 | $ 370,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 785,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 985,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 915,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 420,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,758,051,000 | 4 | $ 270,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 4 | $ 800,000 |
| Cobalt Credit Union 7148 TOWNE CENTER PARKWAY PAPILLION, NE 68046 |
* | $ 1,145,112,000 | 4 | $ 190,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 790,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 570,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 620,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 780,000 |
| Washington County Bank 1523 WASHINGTON ST. BLAIR, NE 68008 |
* | $ 539,752,000 | 3 | $ 205,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 405,261,000 | 3 | $ 425,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 395,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 658,020,000 | 3 | $ 265,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 435,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 3 | $ 165,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 3 | $ 615,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 435,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 245,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 825,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 3 | $ 315,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 355,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 2 | $ 180,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 1,013,892,000 | 2 | $ 120,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 240,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 650,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 530,797,000 | 2 | $ 410,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 270,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 490,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 200,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 2 | $ 310,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 2 | $ 210,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 190,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 230,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 2 | $ 110,000 |
| Core Bank 12100 W CENTER RD OMAHA, NE 68118 |
* | $ 796,827,000 | 2 | $ 480,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 710,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 320,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 305,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ -1,000 | 1 | $ 265,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 115,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 635,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 325,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 235,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 1,000,538,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 225,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 85,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 245,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,965,700,000 | 1 | $ 5,000 |
| Access Bank 8712 WEST DODGE ROAD OMAHA, NE 68114 |
* | $ 914,858,000 | 1 | $ 165,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 485,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 155,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 175,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 185,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 245,000 |
| Home State Bank 115 W STATE ST JEFFERSON, IA 50129 |
* | $ 337,308,000 | 1 | $ 115,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 105,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 245,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,479,040,000 | 1 | $ 295,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 75,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 525,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 165,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 145,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 479,987,000 | 1 | $ 115,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 125,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,832,277,000 | 1 | $ 105,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 1 | $ 175,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 1,464,817,000 | 1 | $ 45,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 125,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 162,963,000 | 1 | $ 35,000 |
The tables below break down 2022 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 2022
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 | 201 | $31,265,000 | $155,000 | $605,000 | $98,000 | $2,554,000 |
| Cash-out Refinancing | 67 | $10,045,000 | $149,000 | $745,000 | $72,000 | $168,000 |
| Refinancing | 51 | $9,135,000 | $179,000 | $635,000 | $122,000 | $1,068,000 |
| Home Improvement | 14 | $660,000 | $47,000 | $105,000 | $96,000 | $240,000 |
| Other Purpose | 8 | $710,000 | $88,000 | $315,000 | $67,000 | $137,000 |
| 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 | 254 | $38,400,000 | $151,000 | $745,000 | $98,000 | $2,554,000 |
| Not Provided | 44 | $6,850,000 | $155,000 | $425,000 | $82,000 | $450,000 |
| Not applicable | 34 | $5,070,000 | $149,000 | $355,000 | $0 | $0 |
| Hispanic | 8 | $1,230,000 | $153,000 | $295,000 | $66,000 | $134,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $61,000 | $61,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 256 | $38,000,000 | $148,000 | $745,000 | $103,000 | $2,554,000 |
| FHA-insured (Federal Housing Administration) | 35 | $5,145,000 | $147,000 | $425,000 | $65,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,965,000 | $192,000 | $485,000 | $74,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,705,000 | $142,000 | $245,000 | $53,000 | $80,000 |
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 | 222 | $32,650,000 | $147,000 | $625,000 | $102,000 | $2,554,000 |
| Application Denied By Financial Institution | 38 | $4,620,000 | $121,000 | $325,000 | $60,000 | $164,000 |
| Application Withdrawn By Applicant | 38 | $6,960,000 | $183,000 | $745,000 | $93,000 | $250,000 |
| Loan Purchased By The Institution | 25 | $4,215,000 | $168,000 | $355,000 | $107,000 | $107,000 |
| File Closed For Incompleteness | 12 | $2,380,000 | $198,000 | $635,000 | $93,000 | $340,000 |
| Application Approved But Not Accepted | 5 | $955,000 | $191,000 | $315,000 | $95,000 | $119,000 |
| Preapproval Approved but not Accepted | 1 | $35,000 | $35,000 | $35,000 | $35,000 | $35,000 |
| 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 | 299 | $46,905,000 | $156,000 | $745,000 | $100,000 | $2,554,000 |
| Debt-To-Income Ratio | 12 | $1,290,000 | $107,000 | $205,000 | $38,000 | $60,000 |
| Credit Application Incomplete | 11 | $1,865,000 | $169,000 | $325,000 | $76,000 | $150,000 |
| Credit History | 9 | $565,000 | $62,000 | $135,000 | $57,000 | $101,000 |
| Collateral | 6 | $580,000 | $96,000 | $165,000 | $73,000 | $164,000 |
| Other | 3 | $485,000 | $161,000 | $195,000 | $46,000 | $55,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $45,000 | $45,000 |
| 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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