Winnebago County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 327 mortgage applications in Winnebago County, IA totaling $24.8 million, up 124% from 2012. The average application was for $75,000, and applicants reported an average income of $55,000. 67% of applications resulted in an originated loan and 13% were denied. The most active lender was Manufacturers Bank & Trust Co, with 190 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 327 |
| Total Mortgage Loan Application Amount | $24,811,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $303,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 286,363,000 | 190 | $ 13,273,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 26 | $ 2,138,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 12 | $ 908,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 10 | $ 928,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 8 | $ 780,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 153,979,000 | 7 | $ 583,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 574,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 436,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 5 | $ 214,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 197,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 3 | $ 320,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 3 | $ 284,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 3 | $ 183,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 230,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 221,799,000 | 2 | $ 69,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 201,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 66,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 92,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 1 | $ 245,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,779,605,000 | 1 | $ 50,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,350,048,000 | 1 | $ 50,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 371,262,000 | 1 | $ 81,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 112,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 54,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 86,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 99,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 64,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 60,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 14,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 351,622,000 | 1 | $ 57,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 136,000 |
The tables below break down 2013 mortgage applications in Winnebago 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 Winnebago County, IA in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 186 | $15,055,000 | $80,000 | $245,000 | $57,000 | $178,000 |
| Home Purchase | 96 | $8,422,000 | $87,000 | $360,000 | $42,000 | $120,000 |
| Home Improvement | 45 | $1,334,000 | $29,000 | $139,000 | $71,000 | $303,000 |
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 | 262 | $20,317,000 | $77,000 | $360,000 | $60,000 | $303,000 |
| Not applicable | 28 | $2,008,000 | $71,000 | $224,000 | $14,000 | $100,000 |
| Not Provided | 25 | $1,692,000 | $67,000 | $131,000 | $49,000 | $138,000 |
| Hispanic | 6 | $365,000 | $60,000 | $130,000 | $47,000 | $80,000 |
| Asian | 3 | $245,000 | $81,000 | $109,000 | $31,000 | $59,000 |
| Black or African American | 2 | $139,000 | $69,000 | $75,000 | $37,000 | $41,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $24,000 | $24,000 |
| 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) | 266 | $19,130,000 | $71,000 | $360,000 | $59,000 | $303,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,291,000 | $88,000 | $140,000 | $35,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,212,000 | $85,000 | $163,000 | $32,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,178,000 | $130,000 | $225,000 | $60,000 | $120,000 |
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 | 218 | $15,755,000 | $72,000 | $360,000 | $56,000 | $303,000 |
| Application Denied By Financial Institution | 42 | $3,257,000 | $77,000 | $236,000 | $53,000 | $125,000 |
| Loan Purchased By The Institution | 25 | $2,368,000 | $94,000 | $224,000 | $32,000 | $132,000 |
| Application Approved But Not Accepted | 21 | $1,580,000 | $75,000 | $168,000 | $72,000 | $148,000 |
| Application Withdrawn By Applicant | 15 | $1,384,000 | $92,000 | $200,000 | $49,000 | $144,000 |
| File Closed For Incompleteness | 6 | $467,000 | $77,000 | $131,000 | $48,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $870,000 | $96,000 | $123,000 | $66,000 | $110,000 |
| Credit History | 6 | $359,000 | $59,000 | $111,000 | $43,000 | $71,000 |
| Debt-To-Income Ratio | 4 | $308,000 | $77,000 | $114,000 | $50,000 | $120,000 |
| Credit Application Incomplete | 3 | $380,000 | $126,000 | $236,000 | $48,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $125,000 | $62,000 | $68,000 | $23,000 | $31,000 |
| Other | 1 | $47,000 | $47,000 | $47,000 | $25,000 | $25,000 |
| Unverifiable Information | 1 | $83,000 | $83,000 | $83,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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