Winnebago County, IA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 258 mortgage applications in Winnebago County, IA totaling $28.2 million, up 16% from 2018. The average application was for $109,000, and applicants reported an average income of $66,000. 73% of applications resulted in an originated loan and 12% were denied. The most active lender was Manufacturers Bank & Trust Co, with 89 applications, followed by Iowa Bankers Mortgage Corporation and Reliance State Bank.
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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 | 258 |
| Total Mortgage Loan Application Amount | $28,180,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $222,000 |
* 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 |
|---|---|---|---|---|
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 347,126,000 | 89 | $ 11,075,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 25 | $ 2,415,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 226,265,000 | 15 | $ 775,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 10 | $ 1,120,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 7 | $ 505,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 605,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 5 | $ 335,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 4 | $ 710,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 260,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 4 | $ 560,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 3 | $ 285,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 505,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 375,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 3 | $ 245,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 3 | $ 155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 315,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 365,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 272,118,000 | 2 | $ 200,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 280,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 2 | $ 240,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,606,623,000 | 2 | $ 80,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 200,000 |
| First Federal Credit Union 425 1ST AVE SW CEDAR RAPIDS, IA 52405 |
* | $ 156,042,000 | 2 | $ 180,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 200,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 290,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 2 | $ 360,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 100,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 160,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 95,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 711,235,000 | 1 | $ 15,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 145,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,251,526,000 | 1 | $ 65,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,766,499,000 | 1 | $ 55,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 75,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 125,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 135,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 225,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 65,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 255,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 75,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 305,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,514,584,000 | 1 | $ 75,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 85,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 1 | $ 45,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 285,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 35,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 305,000 |
The tables below break down 2019 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 2019
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 | 155 | $18,055,000 | $116,000 | $1,605,000 | $64,000 | $194,000 |
| Cash-out Refinancing | 43 | $4,245,000 | $98,000 | $175,000 | $61,000 | $158,000 |
| Refinancing | 41 | $5,005,000 | $122,000 | $305,000 | $91,000 | $222,000 |
| Home Improvement | 11 | $475,000 | $43,000 | $75,000 | $54,000 | $103,000 |
| Other Purpose | 7 | $325,000 | $46,000 | $135,000 | $62,000 | $140,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 | 191 | $19,915,000 | $104,000 | $385,000 | $67,000 | $222,000 |
| Not applicable | 34 | $4,650,000 | $136,000 | $1,605,000 | $65,000 | $106,000 |
| Not Provided | 21 | $2,335,000 | $111,000 | $215,000 | $67,000 | $206,000 |
| Hispanic | 6 | $740,000 | $123,000 | $265,000 | $69,000 | $149,000 |
| Asian | 4 | $450,000 | $112,000 | $145,000 | $34,000 | $43,000 |
| Black or African American | 2 | $90,000 | $45,000 | $65,000 | $99,000 | $163,000 |
| 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) | 183 | $19,285,000 | $105,000 | $1,605,000 | $72,000 | $222,000 |
| FHA-insured (Federal Housing Administration) | 34 | $3,960,000 | $116,000 | $265,000 | $59,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,085,000 | $146,000 | $305,000 | $54,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,850,000 | $92,000 | $135,000 | $40,000 | $69,000 |
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 | 188 | $21,190,000 | $112,000 | $1,605,000 | $69,000 | $222,000 |
| Application Denied By Financial Institution | 31 | $2,755,000 | $88,000 | $305,000 | $56,000 | $194,000 |
| Application Withdrawn By Applicant | 16 | $1,290,000 | $80,000 | $145,000 | $55,000 | $110,000 |
| Loan Purchased By The Institution | 14 | $2,090,000 | $149,000 | $305,000 | $104,000 | $222,000 |
| Application Approved But Not Accepted | 5 | $465,000 | $93,000 | $255,000 | $45,000 | $58,000 |
| File Closed For Incompleteness | 4 | $390,000 | $97,000 | $145,000 | $32,000 | $34,000 |
| 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 | 122 | $13,640,000 | $111,000 | $385,000 | $67,000 | $222,000 |
| Debt-To-Income Ratio | 118 | $13,100,000 | $111,000 | $1,605,000 | $67,000 | $202,000 |
| Credit History | 6 | $520,000 | $86,000 | $135,000 | $42,000 | $64,000 |
| Collateral | 5 | $345,000 | $69,000 | $155,000 | $65,000 | $129,000 |
| Credit Application Incomplete | 2 | $160,000 | $80,000 | $95,000 | $120,000 | $194,000 |
| Other | 2 | $120,000 | $60,000 | $85,000 | $78,000 | $85,000 |
| Employment History | 2 | $210,000 | $105,000 | $135,000 | $30,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $48,000 | $48,000 |
| 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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