Winnebago County, IA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 230 mortgage applications in Winnebago County, IA totaling $23.7 million, down 18% from 2016. The average application was for $102,000, and applicants reported an average income of $56,000. 65% of applications resulted in an originated loan and 17% were denied. The most active lender was Manufacturers Bank & Trust Co, with 98 applications, followed by Iowa Bankers Mortgage Corporation 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 | 230 |
| Total Mortgage Loan Application Amount | $23,660,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $319,000 |
| 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 |
* | $ 326,942,000 | 98 | $ 10,274,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 24 | $ 2,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 8 | $ 744,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 6 | $ 470,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 650,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 553,662,000 | 4 | $ 545,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 222,663,000 | 4 | $ 210,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 234,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 3 | $ 224,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 3 | $ 251,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 218,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 4,202,354,000 | 2 | $ 199,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 255,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 181,659,000 | 2 | $ 201,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 414,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 149,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 212,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 178,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 258,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 186,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 514,606,000 | 1 | $ 99,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 850,565,000 | 1 | $ 290,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,593,928,000 | 1 | $ 91,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 1 | $ 95,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 13,016,049,000 | 1 | $ 130,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 239,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 171,294,000 | 1 | $ 41,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 99,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ 101,629,820,000 | 1 | $ 50,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 74,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 1 | $ 310,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,101,783,000 | 1 | $ 9,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,451,607,000 | 1 | $ 298,000 |
| Denver Savings Bank 121 S. STATE STREET DENVER, IA 50622 |
* | $ 160,837,000 | 1 | $ 46,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ -1,000 | 1 | $ 239,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 848,982,000 | 1 | $ 100,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 180,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 173,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 99,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 243,295,000 | 1 | $ 175,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 681,169,000 | 1 | $ 90,000 |
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ 120,974,000 | 1 | $ 120,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ 4,121,209,000 | 1 | $ 104,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 1 | $ 116,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 44,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,620,732,000 | 1 | $ 296,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 54,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 138,000 |
The tables below break down 2017 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 2017
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 | 126 | $12,771,000 | $101,000 | $340,000 | $54,000 | $319,000 |
| Refinancing | 81 | $10,049,000 | $124,000 | $1,315,000 | $56,000 | $178,000 |
| Home Improvement | 23 | $840,000 | $36,000 | $123,000 | $69,000 | $152,000 |
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 | 183 | $19,472,000 | $106,000 | $1,315,000 | $63,000 | $319,000 |
| Not applicable | 22 | $2,176,000 | $98,000 | $293,000 | $6,000 | $62,000 |
| Not Provided | 18 | $1,660,000 | $92,000 | $310,000 | $57,000 | $130,000 |
| Hispanic | 5 | $192,000 | $38,000 | $86,000 | $39,000 | $67,000 |
| Asian | 2 | $160,000 | $80,000 | $99,000 | $38,000 | $77,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 165 | $16,679,000 | $101,000 | $1,315,000 | $61,000 | $319,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,053,000 | $105,000 | $239,000 | $43,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,558,000 | $77,000 | $129,000 | $37,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,370,000 | $148,000 | $310,000 | $56,000 | $130,000 |
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 | 149 | $16,016,000 | $107,000 | $1,315,000 | $62,000 | $319,000 |
| Application Denied By Financial Institution | 39 | $3,540,000 | $90,000 | $258,000 | $44,000 | $113,000 |
| Application Withdrawn By Applicant | 15 | $1,295,000 | $86,000 | $207,000 | $55,000 | $131,000 |
| Application Approved But Not Accepted | 13 | $1,293,000 | $99,000 | $340,000 | $63,000 | $117,000 |
| Loan Purchased By The Institution | 12 | $1,306,000 | $108,000 | $239,000 | $11,000 | $62,000 |
| File Closed For Incompleteness | 2 | $210,000 | $105,000 | $110,000 | $69,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $474,000 | $79,000 | $173,000 | $49,000 | $110,000 |
| Debt-To-Income Ratio | 5 | $475,000 | $95,000 | $175,000 | $65,000 | $113,000 |
| Credit Application Incomplete | 4 | $293,000 | $73,000 | $96,000 | $37,000 | $60,000 |
| Collateral | 3 | $200,000 | $66,000 | $76,000 | $47,000 | $60,000 |
| Other | 3 | $450,000 | $150,000 | $258,000 | $53,000 | $95,000 |
| Employment History | 1 | $72,000 | $72,000 | $72,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $69,000 | $69,000 | $69,000 | $30,000 | $30,000 |
| 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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