Wapello County, IA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 950 mortgage applications in Wapello County, IA totaling $111.2 million, up 8% from 2024. The average application was for $117,000, and applicants reported an average income of $80,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was Community 1st Credit Union, with 274 applications, followed by US Bank, N.A. 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 950
Total Mortgage Loan Application Amount $111,150,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $785,000
Average Applicant Income $80,000
Highest Applicant Income $595,000

Mortgage Company List for Lending in Wapello County, IA for 2025

* 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
Community 1st Credit Union
1030 SIERRA DR NE
OTTUMWA, IA 52501
* $ n/a 274 $ 23,360,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 65 $ 7,435,000
First State Bank
413 EAST ST
LYNNVILLE, IA 50153
* $ n/a 59 $ 5,005,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 40 $ 3,700,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 27 $ 5,475,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 26 $ 2,560,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 24 $ 4,030,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 24 $ 4,080,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 19 $ 3,745,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 16 $ 1,540,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 15 $ 1,325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 14 $ 2,150,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 13 $ 1,355,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 13 $ 345,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 12 $ 1,690,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ n/a 11 $ 1,655,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 11 $ 1,165,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 530,000
Bank Iowa
1150 JORDAN CREEK PARKWAY
WEST DES MOINES, IA 50266
* $ n/a 10 $ 1,470,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 9 $ 1,945,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 9 $ 1,365,000
Members1st Community Credit Union
910 S 12TH AVE,PO BOX 777
MARSHALLTOWN, IA 50158
* $ n/a 9 $ 1,525,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 8 $ 1,320,000
Washington State Bank
121 S MARION AVE
WASHINGTON, IA 52353
* $ n/a 8 $ 590,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 7 $ 1,095,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ n/a 7 $ 785,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 7 $ 1,225,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ n/a 6 $ 700,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 265,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 5 $ 955,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 5 $ 315,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 4 $ 300,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 790,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ n/a 4 $ 980,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 250,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 3 $ 155,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ n/a 3 $ 285,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 3 $ 365,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 3 $ 685,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 3 $ 305,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 3 $ 345,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 515,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 3 $ 435,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 3 $ 235,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 315,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 560,000
Community Choice Credit Union
1351 NW 114TH ST, P.O. BOX 71247
JOHNSTON, IA 50131
* $ n/a 2 $ 110,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 550,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 2 $ 470,000
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ n/a 2 $ 130,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 300,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 2 $ 420,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 280,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ n/a 2 $ 230,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 240,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 2 $ 160,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 320,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 570,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 90,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 190,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 110,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 310,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 2 $ 130,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 220,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 360,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 2 $ 290,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ n/a 2 $ 540,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 65,000
Charter West Bank
201 SOUTH MAIN STREET PO BOX 288
WEST POINT, NE 68788
* $ n/a 1 $ 155,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 305,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ n/a 1 $ 165,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 185,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 225,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 265,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ n/a 1 $ 215,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 95,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 55,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 195,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 225,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 1 $ 65,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 55,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 55,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 105,000
Twin Cedars Bank
402 MERRILL ST
BUSSEY, IA 50044
* $ n/a 1 $ 175,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 55,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 95,000
Central Bank
600 LAKE AVENUE
STORM LAKE, IA 50588
* $ n/a 1 $ 105,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 275,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 65,000
Cbi Bank & Trust
301 IOWA AVE
MUSCATINE, IA 52761
* $ n/a 1 $ 65,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 65,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 175,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 125,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 145,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 105,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 155,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 145,000
Thompson Kane & Company, Inc
8020 EXCELSIOR DRIVE SUITE 401
MADISON, WI 53717
* $ n/a 1 $ 165,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ n/a 1 $ 105,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ n/a 1 $ 325,000
River Valley Credit Union
2811 E 13TH STREET
AMES, IA 50010
* $ n/a 1 $ 185,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ n/a 1 $ 175,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 125,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 255,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 155,000

The tables below break down 2025 mortgage applications in Wapello 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 Wapello County, IA in 2025

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 451 $64,065,000 $142,000 $785,000 $79,000 $429,000
Refinancing 291 $27,965,000 $96,000 $645,000 $84,000 $441,000
Cash-out Refinancing 101 $13,245,000 $131,000 $445,000 $78,000 $595,000
Other Purpose 74 $3,870,000 $52,000 $205,000 $71,000 $226,000
Home Improvement 31 $1,795,000 $57,000 $185,000 $93,000 $286,000
Not Applicable 2 $210,000 $105,000 $155,000 $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 610 $72,570,000 $118,000 $785,000 $82,000 $429,000
Hispanic 126 $11,910,000 $94,000 $405,000 $63,000 $176,000
Not applicable 97 $12,175,000 $125,000 $615,000 $0 $0
Not Provided 71 $9,785,000 $137,000 $455,000 $100,000 $595,000
Black or African American 23 $2,285,000 $99,000 $205,000 $71,000 $202,000
Asian 15 $1,415,000 $94,000 $215,000 $68,000 $174,000
American Indian or Alaskan Native 4 $460,000 $115,000 $155,000 $123,000 $275,000
Native Hawaiian or Other Pacific Islander 4 $550,000 $137,000 $225,000 $69,000 $82,000

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) 721 $72,365,000 $100,000 $785,000 $83,000 $595,000
FHA-insured (Federal Housing Administration) 147 $21,165,000 $143,000 $445,000 $66,000 $163,000
VA-guaranteed (Veterans Administration) 75 $16,525,000 $220,000 $565,000 $82,000 $175,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,095,000 $156,000 $325,000 $59,000 $77,000

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 593 $69,775,000 $117,000 $645,000 $83,000 $350,000
Application Denied By Financial Institution 131 $13,465,000 $102,000 $565,000 $71,000 $595,000
Application Withdrawn By Applicant 128 $15,160,000 $118,000 $785,000 $80,000 $441,000
Loan Purchased By The Institution 44 $7,220,000 $164,000 $445,000 $50,000 $78,000
File Closed For Incompleteness 29 $3,095,000 $106,000 $355,000 $72,000 $178,000
Application Approved But Not Accepted 24 $2,380,000 $99,000 $325,000 $90,000 $158,000
Preapproval Denied by Financial Institution 1 $55,000 $55,000 $55,000 $14,000 $14,000
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 749 $91,435,000 $122,000 $785,000 $82,000 $441,000
Debt-To-Income Ratio 94 $8,700,000 $92,000 $615,000 $58,000 $192,000
Credit History 48 $3,480,000 $72,000 $235,000 $66,000 $185,000
Credit Application Incomplete 16 $1,970,000 $123,000 $355,000 $86,000 $275,000
Collateral 15 $1,605,000 $107,000 $275,000 $78,000 $204,000
Other 11 $1,345,000 $122,000 $405,000 $121,000 $595,000
Employment History 6 $620,000 $103,000 $215,000 $63,000 $135,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,600,000 $266,000 $565,000 $97,000 $142,000
Unverifiable Information 5 $395,000 $79,000 $155,000 $60,000 $85,000
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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