Union County, IA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 277 mortgage applications in Union County, IA totaling $32.7 million, down 15% from 2022. The average application was for $118,000, and applicants reported an average income of $79,000. 49% of applications resulted in an originated loan and 19% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 38 applications, followed by Community 1st Credit Union and Northwest 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 | 277 |
| Total Mortgage Loan Application Amount | $32,735,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $638,000 |
* 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 | 38 | $ 5,170,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 939,053,000 | 30 | $ 1,760,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,471,026,000 | 13 | $ 1,675,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 9 | $ 1,405,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 9 | $ 675,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,225,000 |
| Farmers & Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ 226,374,000 | 7 | $ 495,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 7 | $ 205,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,015,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 890,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 320,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 5 | $ 805,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 1,775,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 4 | $ 370,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 4 | $ 510,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 3 | $ 695,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 205,000 |
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ 296,189,000 | 3 | $ 265,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 245,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 385,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 575,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 3 | $ 175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 265,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 405,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 515,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 240,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 170,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 681,375,000 | 2 | $ 90,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,918,861,000 | 2 | $ 240,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 2 | $ 670,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,845,506,000 | 2 | $ 210,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 80,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 290,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 290,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 280,000 |
| The Nodaway Valley Bank P. O. BOX 7315, 402 N. BELT HWY MARYVILLE, MO 64468 |
* | $ 1,332,650,000 | 2 | $ 500,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 2 | $ 80,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 100,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 303,261,000 | 1 | $ 105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 165,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 195,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 1 | $ 205,000 |
| Peoples Savings Bank 400 E IOWA AVE INDIANOLA, IA 50125 |
* | $ 494,712,000 | 1 | $ 55,000 |
| Union State Bank 611 W HWY 92 WINTERSET, IA 50273 |
* | $ 129,106,000 | 1 | $ 85,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,748,882,000 | 1 | $ 35,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 505,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 25,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 85,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 135,000 |
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 1,272,193,000 | 1 | $ 95,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ 1,117,262,000 | 1 | $ 155,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 389,402,000 | 1 | $ 205,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 1,545,185,000 | 1 | $ 25,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 215,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Iowa State Bank 627 E LOCUST ST DES MOINES, IA 50309 |
* | $ 467,069,000 | 1 | $ 105,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 755,877,000 | 1 | $ 525,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 105,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 65,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 17,893,084,000 | 1 | $ 65,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 3,010,410,000 | 1 | $ 15,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 135,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 619,628,000 | 1 | $ 75,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 1 | $ 145,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 65,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 95,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 1 | $ 95,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 35,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 1 | $ 205,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 656,786,000 | 1 | $ 65,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 145,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 165,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 255,293,000 | 1 | $ 155,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 430,704,000 | 1 | $ 25,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,550,980,000 | 1 | $ 75,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 377,481,000 | 1 | $ 15,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 2,036,937,000 | 1 | $ 95,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 115,000 |
The tables below break down 2023 mortgage applications in Union 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 Union County, IA in 2023
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 | 168 | $21,650,000 | $128,000 | $525,000 | $70,000 | $543,000 |
| Cash-out Refinancing | 52 | $5,760,000 | $110,000 | $295,000 | $82,000 | $394,000 |
| Refinancing | 32 | $3,940,000 | $123,000 | $635,000 | $96,000 | $638,000 |
| Home Improvement | 12 | $650,000 | $54,000 | $155,000 | $161,000 | $575,000 |
| Other Purpose | 11 | $635,000 | $57,000 | $165,000 | $57,000 | $120,000 |
| Not Applicable | 2 | $100,000 | $50,000 | $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 | 205 | $23,835,000 | $116,000 | $635,000 | $78,000 | $638,000 |
| Not applicable | 39 | $4,795,000 | $122,000 | $405,000 | $0 | $0 |
| Not Provided | 12 | $1,960,000 | $163,000 | $505,000 | $118,000 | $394,000 |
| Hispanic | 11 | $1,065,000 | $96,000 | $205,000 | $78,000 | $149,000 |
| Black or African American | 9 | $925,000 | $102,000 | $225,000 | $56,000 | $85,000 |
| Asian | 1 | $155,000 | $155,000 | $155,000 | $162,000 | $162,000 |
| American Indian or Alaskan Native | 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) | 176 | $18,980,000 | $107,000 | $635,000 | $88,000 | $638,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,815,000 | $142,000 | $405,000 | $66,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,175,000 | $109,000 | $245,000 | $51,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,765,000 | $162,000 | $295,000 | $70,000 | $153,000 |
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 | 135 | $14,705,000 | $108,000 | $635,000 | $82,000 | $638,000 |
| Application Denied By Financial Institution | 54 | $6,720,000 | $124,000 | $525,000 | $69,000 | $190,000 |
| Application Withdrawn By Applicant | 38 | $4,500,000 | $118,000 | $345,000 | $83,000 | $543,000 |
| Loan Purchased By The Institution | 31 | $4,305,000 | $138,000 | $405,000 | $61,000 | $63,000 |
| File Closed For Incompleteness | 10 | $1,060,000 | $106,000 | $295,000 | $65,000 | $160,000 |
| Application Approved But Not Accepted | 8 | $1,300,000 | $162,000 | $525,000 | $98,000 | $205,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $72,000 | $72,000 |
| 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 | 203 | $23,785,000 | $117,000 | $635,000 | $82,000 | $638,000 |
| Debt-To-Income Ratio | 30 | $3,430,000 | $114,000 | $525,000 | $64,000 | $205,000 |
| Credit History | 19 | $2,145,000 | $112,000 | $275,000 | $50,000 | $90,000 |
| Collateral | 9 | $1,355,000 | $150,000 | $525,000 | $91,000 | $190,000 |
| Credit Application Incomplete | 7 | $875,000 | $125,000 | $305,000 | $117,000 | $162,000 |
| Other | 5 | $625,000 | $125,000 | $205,000 | $94,000 | $149,000 |
| Employment History | 3 | $335,000 | $111,000 | $165,000 | $30,000 | $61,000 |
| Unverifiable Information | 1 | $185,000 | $185,000 | $185,000 | $94,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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