Wapello County, IA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 951 mortgage applications in Wapello County, IA totaling $99.5 million, down 20% from 2021. The average application was for $104,000, and applicants reported an average income of $74,000. 63% of applications resulted in an originated loan and 15% were denied. The most active lender was Community 1st Credit Union, with 311 applications, followed by US Bank, N.A. and First State Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 951
Total Mortgage Loan Application Amount $99,495,000
Average Mortgage Loan Application Amount $104,000
Highest Mortgage Loan Application Amount $1,585,000
Average Applicant Income $74,000
Highest Applicant Income $2,832,000

Mortgage Company List for Lending in Wapello County, IA for 2022

* 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
* $ 1,000,538,000 311 $ 23,415,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 95 $ 9,155,000
First State Bank
413 EAST ST
LYNNVILLE, IA 50153
* $ 291,278,000 48 $ 3,570,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 46 $ 4,240,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 38 $ 3,050,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 30 $ 4,980,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 25 $ 3,545,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 21 $ 1,825,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 21 $ 3,185,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 16 $ 2,480,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 9,011,033,000 13 $ 1,245,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 12 $ 800,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 1,442,452,000 10 $ 690,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 6,023,480,000 10 $ 810,000
Washington State Bank
121 S MARION AVE
WASHINGTON, IA 52353
* $ 484,091,000 10 $ 810,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 5,860,350,000 9 $ 685,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 8 $ 1,160,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,030,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 875,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,145,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 680,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 1,000,660,000 6 $ 880,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 695,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ -1,000 5 $ 705,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 475,000
Bank Iowa
1150 JORDAN CREEK PARKWAY
WEST DES MOINES, IA 50266
* $ 1,758,051,000 5 $ 595,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 4 $ 600,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 550,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 545,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 375,000
Lincoln Savings Bank
301 WASHINGTON ST
REINBECK, IA 50669
* $ 1,479,040,000 3 $ 435,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 805,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 135,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 3 $ 495,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 535,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 3 $ 815,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 165,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 525,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 455,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 415,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 645,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 1,832,277,000 2 $ 220,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 250,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 2 $ 180,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 2 $ 580,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 2,697,669,000 2 $ 1,600,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 70,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 2 $ 310,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 2 $ 1,240,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 220,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 450,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 470,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 255,000
Serve Credit Union
423 E COURT AVE
DES MOINES, IA 50309
* $ 94,294,000 1 $ 85,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 125,000
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ 3,299,556,000 1 $ 115,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 95,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 354,210,000 1 $ 265,000
Cedar Rapids Bank and Trust
500 1ST AVENUE NE SUITE 100
CEDAR RAPIDS, IA 52401
* $ 2,023,177,000 1 $ 255,000
Greater Iowa Credit Union
801 LINCOLN WAY
AMES, IA 50010
* $ 658,020,000 1 $ 315,000
Community State Bank
817 N ANKENY BLVD
ANKENY, IA 50023
* $ 1,159,048,000 1 $ 65,000
Cbi Bank & Trust
301 IOWA AVE
MUSCATINE, IA 52761
* $ 1,143,091,000 1 $ 245,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 1 $ 35,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 65,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 155,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 75,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 604,572,000 1 $ 65,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 125,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 225,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 155,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 125,000
Aim Credit Union
1200 ASSOCIATES DR STE 102
DUBUQUE, IA 52002
* $ 165,623,000 1 $ 165,000
Charter West Bank
201 SOUTH MAIN STREET PO BOX 288
WEST POINT, NE 68788
* $ 405,261,000 1 $ 115,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 45,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 65,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 1 $ 115,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 365,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 2,889,083,000 1 $ 15,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 185,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,820,664,000 1 $ 225,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 65,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 2,278,779,000 1 $ 105,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,824,450,000 1 $ 155,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 145,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 95,000
Farmers State Bank
131 TOWER PARK DRIVE SUITE 100
WATERLOO, IA 50701
* $ 1,371,634,000 1 $ 115,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 5,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 225,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 1 $ 105,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 115,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 55,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 125,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 55,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 175,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 115,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 175,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 1 $ 35,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 1 $ 145,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 175,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 65,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 315,000
Community Choice Credit Union
1351 NW 114TH ST, P.O. BOX 71247
JOHNSTON, IA 50131
* $ 742,416,000 1 $ 295,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 1 $ 165,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 45,000
Leighton State Bank
900 WASHINGTON ST
PELLA, IA 50219
* $ 222,099,000 1 $ 155,000

The tables below break down 2022 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 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 512 $62,610,000 $122,000 $1,585,000 $76,000 $2,832,000
Cash-out Refinancing 236 $19,880,000 $84,000 $545,000 $75,000 $360,000
Refinancing 130 $12,940,000 $99,000 $425,000 $65,000 $211,000
Home Improvement 34 $2,140,000 $62,000 $325,000 $79,000 $227,000
Other Purpose 29 $1,515,000 $52,000 $225,000 $77,000 $134,000
Not Applicable 10 $410,000 $41,000 $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 662 $67,920,000 $102,000 $1,055,000 $71,000 $1,379,000
Hispanic 110 $9,090,000 $82,000 $265,000 $59,000 $282,000
Not Provided 73 $8,815,000 $120,000 $335,000 $128,000 $2,832,000
Not applicable 63 $8,395,000 $133,000 $1,585,000 $90,000 $137,000
Asian 21 $2,725,000 $129,000 $395,000 $72,000 $120,000
Black or African American 14 $1,820,000 $130,000 $455,000 $66,000 $132,000
American Indian or Alaskan Native 4 $570,000 $142,000 $215,000 $62,000 $103,000
Native Hawaiian or Other Pacific Islander 1 $15,000 $15,000 $15,000 $41,000 $41,000

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) 718 $66,910,000 $93,000 $1,585,000 $77,000 $2,832,000
FHA-insured (Federal Housing Administration) 143 $17,095,000 $119,000 $335,000 $62,000 $360,000
VA-guaranteed (Veterans Administration) 88 $15,200,000 $172,000 $545,000 $73,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $290,000 $145,000 $155,000 $85,000 $85,000

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 600 $63,090,000 $105,000 $1,585,000 $72,000 $1,379,000
Application Denied By Financial Institution 139 $11,635,000 $83,000 $285,000 $68,000 $500,000
Application Withdrawn By Applicant 136 $14,950,000 $109,000 $545,000 $89,000 $2,832,000
Loan Purchased By The Institution 46 $6,140,000 $133,000 $365,000 $76,000 $137,000
File Closed For Incompleteness 21 $2,745,000 $130,000 $385,000 $86,000 $360,000
Application Approved But Not Accepted 8 $870,000 $108,000 $295,000 $78,000 $185,000
Preapproval Approved but not Accepted 1 $65,000 $65,000 $65,000 $62,000 $62,000
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 751 $83,005,000 $110,000 $1,585,000 $77,000 $2,832,000
Debt-To-Income Ratio 87 $7,005,000 $80,000 $425,000 $51,000 $204,000
Credit History 55 $3,695,000 $67,000 $185,000 $70,000 $500,000
Collateral 30 $3,560,000 $118,000 $285,000 $82,000 $204,000
Other 20 $1,730,000 $86,000 $225,000 $77,000 $198,000
Credit Application Incomplete 4 $290,000 $72,000 $95,000 $33,000 $54,000
Employment History 2 $80,000 $40,000 $45,000 $143,000 $282,000
Insufficient Cash (Downpayment, Closing Cost) 2 $130,000 $65,000 $65,000 $44,000 $63,000
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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