Tama County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 527 mortgage applications in Tama County, IA totaling $59.2 million, down 29% from 2021. The average application was for $112,000, and applicants reported an average income of $78,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was Veridian Credit Union, with 96 applications, followed by Greenstate Credit Union and Lincoln Savings 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 | 527 |
| Total Mortgage Loan Application Amount | $59,235,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $766,000 |
* 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 |
|---|---|---|---|---|
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 96 | $ 9,040,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 72 | $ 6,720,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,479,040,000 | 35 | $ 3,825,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 17 | $ 1,685,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,442,452,000 | 16 | $ 1,180,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 13 | $ 1,005,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 13 | $ 1,945,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 1,830,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 11 | $ 1,095,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 11 | $ 1,485,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 10 | $ 730,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 10 | $ 1,230,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 8 | $ 530,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 1,000,538,000 | 7 | $ 465,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 665,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 680,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 800,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 690,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,371,634,000 | 6 | $ 2,280,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 590,985,000 | 5 | $ 855,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 1,145,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,023,480,000 | 5 | $ 465,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 622,624,000 | 5 | $ 675,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 5 | $ 365,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 630,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 530,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 4 | $ 660,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 4 | $ 590,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 480,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 804,652,000 | 3 | $ 405,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 335,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 495,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 455,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 375,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 3 | $ 295,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 3 | $ 455,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 172,020,000 | 3 | $ 195,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 245,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 13,339,325,000 | 3 | $ 165,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 239,860,000 | 3 | $ 705,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 170,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 190,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 310,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 650,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 330,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 340,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 3,299,556,000 | 2 | $ 70,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 250,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 2,023,177,000 | 2 | $ 140,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 180,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 2 | $ 70,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 290,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 330,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,046,374,000 | 2 | $ 90,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 270,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 200,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 225,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 205,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 185,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ -1,000 | 1 | $ 135,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 55,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 225,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,068,836,000 | 1 | $ 25,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 269,767,000 | 1 | $ 135,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,455,015,000 | 1 | $ 115,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 534,050,000 | 1 | $ 135,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 155,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 1,658,656,000 | 1 | $ 55,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 145,000 |
| Community State Bank 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ 1,159,048,000 | 1 | $ 105,000 |
| First State Bank 413 EAST ST LYNNVILLE, IA 50153 |
* | $ 291,278,000 | 1 | $ 25,000 |
| North Shore Trust & Savings 3060 SAND LAKE ROAD WAUKEGAN, IL 60085 |
* | $ 339,767,000 | 1 | $ 215,000 |
| Keystone Savings Bank 81 MAIN STREET, PO BOX 367 KEYSTONE, IA 52249 |
* | $ 177,381,000 | 1 | $ 85,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 155,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 1 | $ 225,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 165,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,758,051,000 | 1 | $ 185,000 |
| Leighton State Bank 900 WASHINGTON ST PELLA, IA 50219 |
* | $ 222,099,000 | 1 | $ 95,000 |
| Denver Savings Bank 121 S. STATE STREET DENVER, IA 50622 |
* | $ 221,199,000 | 1 | $ 105,000 |
The tables below break down 2022 mortgage applications in Tama 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 Tama 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 | 258 | $34,420,000 | $133,000 | $1,905,000 | $76,000 | $766,000 |
| Cash-out Refinancing | 105 | $12,425,000 | $118,000 | $325,000 | $80,000 | $257,000 |
| Refinancing | 80 | $8,090,000 | $101,000 | $265,000 | $72,000 | $245,000 |
| Home Improvement | 50 | $2,550,000 | $51,000 | $245,000 | $90,000 | $191,000 |
| Other Purpose | 33 | $1,635,000 | $49,000 | $145,000 | $85,000 | $155,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 398 | $40,790,000 | $102,000 | $445,000 | $78,000 | $257,000 |
| Not applicable | 47 | $7,115,000 | $151,000 | $485,000 | $90,000 | $193,000 |
| Not Provided | 36 | $5,990,000 | $166,000 | $1,905,000 | $96,000 | $766,000 |
| Hispanic | 35 | $4,035,000 | $115,000 | $265,000 | $64,000 | $235,000 |
| American Indian or Alaskan Native | 6 | $890,000 | $148,000 | $205,000 | $65,000 | $83,000 |
| Asian | 2 | $90,000 | $45,000 | $65,000 | $94,000 | $129,000 |
| Black or African American | 2 | $180,000 | $90,000 | $125,000 | $35,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $63,000 | $63,000 |
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) | 399 | $41,775,000 | $104,000 | $1,905,000 | $82,000 | $766,000 |
| FHA-insured (Federal Housing Administration) | 68 | $8,800,000 | $129,000 | $275,000 | $67,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,660,000 | $137,000 | $185,000 | $56,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,000,000 | $153,000 | $445,000 | $68,000 | $136,000 |
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 | 298 | $33,770,000 | $113,000 | $485,000 | $81,000 | $766,000 |
| Application Withdrawn By Applicant | 78 | $7,160,000 | $91,000 | $265,000 | $70,000 | $256,000 |
| Application Denied By Financial Institution | 62 | $5,720,000 | $92,000 | $235,000 | $65,000 | $245,000 |
| Loan Purchased By The Institution | 52 | $7,270,000 | $139,000 | $275,000 | $89,000 | $193,000 |
| File Closed For Incompleteness | 21 | $1,865,000 | $88,000 | $205,000 | $80,000 | $187,000 |
| Application Approved But Not Accepted | 15 | $3,325,000 | $221,000 | $1,905,000 | $113,000 | $460,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $44,000 | $44,000 |
| 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 | 449 | $51,615,000 | $114,000 | $1,905,000 | $80,000 | $766,000 |
| Debt-To-Income Ratio | 38 | $3,740,000 | $98,000 | $245,000 | $71,000 | $245,000 |
| Credit History | 17 | $1,415,000 | $83,000 | $185,000 | $61,000 | $148,000 |
| Collateral | 9 | $945,000 | $105,000 | $195,000 | $75,000 | $157,000 |
| Credit Application Incomplete | 6 | $840,000 | $140,000 | $235,000 | $78,000 | $139,000 |
| Other | 5 | $455,000 | $91,000 | $155,000 | $59,000 | $121,000 |
| Employment History | 2 | $170,000 | $85,000 | $125,000 | $41,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $23,000 | $23,000 |
| 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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