Wapello County, IA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,193 mortgage applications in Wapello County, IA totaling $132.7 million, up 9% from 2020. The average application was for $111,000, and applicants reported an average income of $74,000. 63% of applications resulted in an originated loan and 14% were denied. The most active lender was Community 1st Credit Union, with 360 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 | 1,193 |
| Total Mortgage Loan Application Amount | $132,685,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $1,140,000 |
* 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 |
* | $ 709,695,000 | 360 | $ 30,510,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 134 | $ 13,510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 89 | $ 9,255,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 50 | $ 8,030,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 47 | $ 5,315,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,757,174,000 | 33 | $ 3,995,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 29 | $ 4,065,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 23 | $ 3,265,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 22 | $ 3,150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 19 | $ 1,645,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 17 | $ 2,275,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 16 | $ 1,980,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 329,224,000 | 16 | $ 1,300,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 15 | $ 2,615,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 2,175,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,233,409,000 | 12 | $ 1,360,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,348,222,000 | 10 | $ 910,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,005,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 8 | $ 870,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,170,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 4,645,441,000 | 8 | $ 3,030,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 7 | $ 1,125,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 525,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 1,000,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,523,369,000 | 6 | $ 890,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 6 | $ 840,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,170,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 435,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 285,828,000 | 4 | $ 620,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 4 | $ 300,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 4 | $ 510,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 4 | $ 140,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 205,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 130,499,000 | 3 | $ 465,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,391,958,000 | 3 | $ 275,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 3 | $ 315,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 325,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 345,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 3 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 425,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 185,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 105,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 55,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,888,189,000 | 3 | $ 215,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 380,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 240,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 110,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,371,963,000 | 2 | $ 130,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 130,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 270,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 430,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ 526,087,000 | 2 | $ 220,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 2 | $ 310,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 270,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,474,943,000 | 2 | $ 350,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 160,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 549,831,000 | 2 | $ 140,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 300,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 2 | $ 290,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 265,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 550,225,000 | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 75,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 809,155,000 | 1 | $ 725,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 75,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 682,935,000 | 1 | $ 45,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 55,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 95,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 45,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 165,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 145,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 275,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 115,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 95,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 15,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 435,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 165,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 135,000 |
| Residential Mortgage Network, Inc. 2461 10TH STREET SUITE 308 IOWA CITY, IA 52245 |
* | $ -1,000 | 1 | $ 115,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 3,299,556,000 | 1 | $ 35,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 857,609,000 | 1 | $ 85,000 |
| Southwest Airlines FCU 2340 SHORECREST DALLAS, TX 75235 |
* | $ 588,660,000 | 1 | $ 25,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 65,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 145,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 145,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 115,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 75,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 929,943,000 | 1 | $ 245,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Leighton State Bank 900 WASHINGTON ST PELLA, IA 50219 |
* | $ 186,771,000 | 1 | $ 145,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 205,000 |
The tables below break down 2021 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 2021
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 | 528 | $62,250,000 | $117,000 | $975,000 | $66,000 | $798,000 |
| Refinancing | 308 | $38,800,000 | $125,000 | $1,315,000 | $81,000 | $676,000 |
| Cash-out Refinancing | 301 | $28,505,000 | $94,000 | $325,000 | $81,000 | $1,140,000 |
| Home Improvement | 28 | $1,320,000 | $47,000 | $175,000 | $74,000 | $231,000 |
| Other Purpose | 16 | $1,350,000 | $84,000 | $265,000 | $74,000 | $158,000 |
| Not Applicable | 12 | $460,000 | $38,000 | $65,000 | $40,000 | $40,000 |
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 | 882 | $96,770,000 | $109,000 | $785,000 | $76,000 | $798,000 |
| Hispanic | 107 | $8,965,000 | $83,000 | $185,000 | $55,000 | $149,000 |
| Not Provided | 94 | $12,470,000 | $132,000 | $725,000 | $91,000 | $1,140,000 |
| Not applicable | 45 | $6,395,000 | $142,000 | $1,315,000 | $40,000 | $40,000 |
| Asian | 39 | $4,325,000 | $110,000 | $275,000 | $58,000 | $318,000 |
| Black or African American | 21 | $3,095,000 | $147,000 | $325,000 | $58,000 | $124,000 |
| American Indian or Alaskan Native | 3 | $315,000 | $105,000 | $235,000 | $86,000 | $100,000 |
| 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) | 948 | $102,700,000 | $108,000 | $1,315,000 | $78,000 | $1,140,000 |
| FHA-insured (Federal Housing Administration) | 170 | $19,410,000 | $114,000 | $355,000 | $53,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 69 | $9,875,000 | $143,000 | $425,000 | $56,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $700,000 | $116,000 | $195,000 | $53,000 | $99,000 |
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 | 753 | $85,945,000 | $114,000 | $1,315,000 | $74,000 | $798,000 |
| Application Withdrawn By Applicant | 180 | $18,130,000 | $100,000 | $405,000 | $80,000 | $1,140,000 |
| Application Denied By Financial Institution | 162 | $15,720,000 | $97,000 | $425,000 | $66,000 | $558,000 |
| File Closed For Incompleteness | 44 | $6,770,000 | $153,000 | $315,000 | $72,000 | $178,000 |
| Loan Purchased By The Institution | 38 | $4,070,000 | $107,000 | $315,000 | $38,000 | $40,000 |
| Application Approved But Not Accepted | 14 | $1,750,000 | $125,000 | $385,000 | $82,000 | $270,000 |
| Preapproval Approved but not Accepted | 1 | $155,000 | $155,000 | $155,000 | $84,000 | $84,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $78,000 | $78,000 |
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 | 1,012 | $115,450,000 | $114,000 | $1,315,000 | $75,000 | $1,140,000 |
| Debt-To-Income Ratio | 56 | $6,100,000 | $108,000 | $325,000 | $55,000 | $183,000 |
| Credit History | 50 | $3,430,000 | $68,000 | $385,000 | $61,000 | $282,000 |
| Collateral | 24 | $2,470,000 | $102,000 | $355,000 | $62,000 | $189,000 |
| Other | 19 | $1,195,000 | $62,000 | $115,000 | $75,000 | $251,000 |
| Credit Application Incomplete | 15 | $2,005,000 | $133,000 | $255,000 | $72,000 | $262,000 |
| Unverifiable Information | 9 | $965,000 | $107,000 | $185,000 | $81,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $955,000 | $136,000 | $425,000 | $135,000 | $558,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $25,000 | $25,000 |
| 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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