Wapello County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 896 mortgage applications in Wapello County, IA totaling $78.7 million, down 4% from 2017. The average application was for $87,000, and applicants reported an average income of $77,000. 59% of applications resulted in an originated loan and 19% were denied. The most active lender was Community 1st Credit Union, with 303 applications, followed by US Bank, N.A. 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 | 896 |
| Total Mortgage Loan Application Amount | $78,710,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $8,891,000 |
* 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 |
|---|---|---|---|---|
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 622,220,000 | 303 | $ 21,475,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 139 | $ 10,205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 71 | $ 5,405,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 940,832,000 | 38 | $ 4,070,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 25 | $ 2,585,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 25 | $ 3,005,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 16 | $ 1,420,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 12 | $ 1,040,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,595,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 11 | $ 725,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 10 | $ 660,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 303,842,000 | 10 | $ 540,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,170,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 491,903,000 | 8 | $ 1,080,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 7 | $ 265,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 685,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 6 | $ 860,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 390,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 3,205,800,000 | 6 | $ 360,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 840,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 6 | $ 290,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 2,961,967,000 | 4 | $ 660,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 390,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 755,545,000 | 4 | $ 230,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 4 | $ 290,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 400,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 460,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 4 | $ 720,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ -1,000 | 4 | $ 450,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 310,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 4 | $ 510,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 3 | $ 275,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 195,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 285,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 305,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 2 | $ 270,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 240,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 380,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 250,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 2 | $ 180,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 310,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 40,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 230,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 230,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 2 | $ 250,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 261,210,000 | 2 | $ 280,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ -1,000 | 2 | $ 230,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 200,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 130,000 |
| Waterstone Bank SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ 1,804,054,000 | 1 | $ 1,155,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 75,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 109,372,608,000 | 1 | $ 1,165,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 30,422,051,000 | 1 | $ 275,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 205,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 115,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 75,000 |
| Texans Credit Union 777 E. CAMPBELL ROAD #300 RICHARDSON, TX 75081 |
* | $ 1,576,600,000 | 1 | $ 25,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 1 | $ 135,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 122,314,000 | 1 | $ 35,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 1 | $ 145,000 |
| Sofi Mortgage, LLC 6175 MAIN STREET, SUITE 490 FRISCO, TX 75034 |
* | $ -1,000 | 1 | $ 305,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -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 | $ 65,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 145,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 833,673,000 | 1 | $ 175,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 365,482,000 | 1 | $ 15,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 115,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 75,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 1,156,621,000 | 1 | $ 225,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 75,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 677,277,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 225,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 65,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 35,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 65,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 954,308,000 | 1 | $ 225,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 125,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 65,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ 526,901,000 | 1 | $ 135,000 |
| Community State Bank 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ 671,143,000 | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 85,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 213,933,000 | 1 | $ 155,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 286,736,000 | 1 | $ 35,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2018 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 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 | 460 | $45,000,000 | $97,000 | $1,165,000 | $83,000 | $8,891,000 |
| Refinancing | 166 | $14,750,000 | $88,000 | $535,000 | $65,000 | $834,000 |
| Cash-out Refinancing | 147 | $12,175,000 | $82,000 | $295,000 | $72,000 | $300,000 |
| Other Purpose | 49 | $3,095,000 | $63,000 | $205,000 | $71,000 | $175,000 |
| Home Improvement | 41 | $1,925,000 | $46,000 | $155,000 | $87,000 | $700,000 |
| Not Applicable | 33 | $1,765,000 | $53,000 | $165,000 | $71,000 | $123,000 |
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 | 688 | $60,200,000 | $87,000 | $1,155,000 | $81,000 | $8,891,000 |
| Not Provided | 62 | $6,210,000 | $100,000 | $295,000 | $70,000 | $308,000 |
| Hispanic | 62 | $3,580,000 | $57,000 | $105,000 | $46,000 | $96,000 |
| Not applicable | 58 | $6,440,000 | $111,000 | $1,165,000 | $31,000 | $38,000 |
| Black or African American | 13 | $1,105,000 | $85,000 | $245,000 | $57,000 | $84,000 |
| Asian | 8 | $820,000 | $102,000 | $275,000 | $91,000 | $400,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $34,000 | $34,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $35,000 | $35,000 | $35,000 | $47,000 | $47,000 |
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) | 697 | $58,915,000 | $84,000 | $1,165,000 | $82,000 | $8,891,000 |
| FHA-insured (Federal Housing Administration) | 139 | $12,555,000 | $90,000 | $295,000 | $56,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 53 | $6,415,000 | $121,000 | $295,000 | $56,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $825,000 | $117,000 | $155,000 | $56,000 | $65,000 |
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 | 527 | $45,365,000 | $86,000 | $1,165,000 | $69,000 | $834,000 |
| Application Denied By Financial Institution | 174 | $14,620,000 | $84,000 | $535,000 | $62,000 | $483,000 |
| Application Withdrawn By Applicant | 114 | $10,800,000 | $94,000 | $1,155,000 | $143,000 | $8,891,000 |
| Loan Purchased By The Institution | 53 | $4,895,000 | $92,000 | $305,000 | $78,000 | $155,000 |
| File Closed For Incompleteness | 21 | $2,235,000 | $106,000 | $275,000 | $69,000 | $300,000 |
| Application Approved But Not Accepted | 7 | $795,000 | $113,000 | $205,000 | $33,000 | $61,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 707 | $62,985,000 | $89,000 | $1,165,000 | $81,000 | $8,891,000 |
| Credit History | 80 | $5,850,000 | $73,000 | $245,000 | $63,000 | $483,000 |
| Debt-To-Income Ratio | 45 | $4,345,000 | $96,000 | $535,000 | $55,000 | $201,000 |
| Collateral | 29 | $2,145,000 | $73,000 | $245,000 | $74,000 | $274,000 |
| Other | 14 | $1,430,000 | $102,000 | $305,000 | $63,000 | $240,000 |
| Credit Application Incomplete | 9 | $785,000 | $87,000 | $125,000 | $90,000 | $256,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $615,000 | $123,000 | $325,000 | $37,000 | $59,000 |
| Employment History | 4 | $230,000 | $57,000 | $85,000 | $29,000 | $48,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $155,000 | $54,000 | $55,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
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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