Winneshiek County, IA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 314 mortgage applications in Winneshiek County, IA totaling $39.3 million, down 31% from 2007. The average application was for $125,000, and applicants reported an average income of $65,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was Bank of the West, with 61 applications, followed by Hfc Company LLC and Marine Credit Union.
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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 | 314 |
| Total Mortgage Loan Application Amount | $39,344,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $2,002,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $860,000 |
* 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 |
|---|---|---|---|---|
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 61 | $ 6,146,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 25 | $ 2,565,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 318,845,000 | 20 | $ 1,999,000 |
| Northeast Security Bank 108 NORTH CARPENTER SUMNER, IA 50674 |
* | $ 68,679,000 | 17 | $ 978,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 17 | $ 2,616,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 16 | $ 1,532,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 14 | $ 1,908,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 12 | $ 1,596,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,489,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 11 | $ 955,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 8 | $ 1,549,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 7 | $ 1,110,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 6 | $ 861,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 938,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 5 | $ 399,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 4 | $ 478,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 669,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 594,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,284,209,000 | 3 | $ 355,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 359,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,660,069,000 | 3 | $ 3,282,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 204,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 221,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 3 | $ 672,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 4,619,793,000 | 3 | $ 286,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 174,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 52,678,000 | 2 | $ 252,000 |
| Jennings State Bank 126 WEST MAIN ST SPRING GROVE, MN 55974 |
* | $ 49,943,000 | 2 | $ 282,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 297,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 359,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 255,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 2 | $ 115,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 158,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 65,797,000 | 1 | $ 29,000 |
| Csmc, Inc 10425 W NORTH AVENUE SUITE 100 WAUWATOSA, WI 53226 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 102,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 185,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 164,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 115,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 10,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 136,000 |
| Bank of Commerce PO BOX 29 CHELSEA, OK 74016 |
* | $ 154,513,000 | 1 | $ 95,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 203,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 58,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 728,307,000 | 1 | $ 285,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 272,321,000 | 1 | $ 231,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,343,178,000 | 1 | $ 40,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 128,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 619,196,000 | 1 | $ 175,000 |
| The Riverbank 26777 FALLBROCK AVE PO BOX 97 WYOMING, MN 55092 |
* | $ 456,750,000 | 1 | $ 46,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 116,000 |
The tables below break down 2008 mortgage applications in Winneshiek 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 Winneshiek County, IA in 2008
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 | 201 | $25,376,000 | $126,000 | $1,050,000 | $65,000 | $780,000 |
| Home Purchase | 85 | $12,474,000 | $146,000 | $2,002,000 | $69,000 | $860,000 |
| Home Improvement | 28 | $1,494,000 | $53,000 | $180,000 | $56,000 | $111,000 |
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 | 282 | $32,431,000 | $115,000 | $458,000 | $67,000 | $860,000 |
| Not Provided | 14 | $1,998,000 | $142,000 | $264,000 | $52,000 | $156,000 |
| Not applicable | 8 | $3,771,000 | $471,000 | $2,002,000 | $35,000 | $156,000 |
| Hispanic | 6 | $577,000 | $96,000 | $151,000 | $74,000 | $132,000 |
| Asian | 2 | $206,000 | $103,000 | $170,000 | $44,000 | $56,000 |
| Black or African American | 2 | $361,000 | $180,000 | $190,000 | $62,000 | $74,000 |
| 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) | 265 | $33,546,000 | $126,000 | $2,002,000 | $68,000 | $860,000 |
| FHA-insured (Federal Housing Administration) | 36 | $4,511,000 | $125,000 | $233,000 | $51,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,159,000 | $96,000 | $130,000 | $39,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 1 | $128,000 | $128,000 | $128,000 | $43,000 | $43,000 |
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 | 142 | $15,779,000 | $111,000 | $458,000 | $68,000 | $860,000 |
| Application Denied By Financial Institution | 75 | $8,496,000 | $113,000 | $400,000 | $58,000 | $242,000 |
| Loan Purchased By The Institution | 35 | $4,885,000 | $139,000 | $285,000 | $68,000 | $379,000 |
| Application Withdrawn By Applicant | 31 | $3,373,000 | $108,000 | $233,000 | $67,000 | $200,000 |
| Application Approved But Not Accepted | 24 | $5,816,000 | $242,000 | $2,002,000 | $65,000 | $475,000 |
| File Closed For Incompleteness | 7 | $995,000 | $142,000 | $240,000 | $56,000 | $65,000 |
| 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 | 16 | $2,286,000 | $142,000 | $375,000 | $61,000 | $120,000 |
| Debt-To-Income Ratio | 11 | $1,248,000 | $113,000 | $400,000 | $50,000 | $111,000 |
| Credit History | 9 | $908,000 | $100,000 | $240,000 | $96,000 | $242,000 |
| Credit Application Incomplete | 3 | $402,000 | $134,000 | $191,000 | $49,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $88,000 | $88,000 | $88,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 1 | $109,000 | $109,000 | $109,000 | $40,000 | $40,000 |
| Other | 1 | $141,000 | $141,000 | $141,000 | $73,000 | $73,000 |
| Unverifiable Information | 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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