Winneshiek County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 344 mortgage applications in Winneshiek County, IA totaling $43.7 million, down 20% from 2009. The average application was for $127,000, and applicants reported an average income of $66,000. 64% of applications resulted in an originated loan and 17% were denied. The most active lender was Luana Savings Bank, with 76 applications, followed by Bank of the West and Fidelity Bank & Trust.
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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 | 344 |
| Total Mortgage Loan Application Amount | $43,736,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,970,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $391,000 |
* 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 |
|---|---|---|---|---|
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 336,365,000 | 76 | $ 9,919,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 53 | $ 6,661,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 403,479,000 | 25 | $ 3,949,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 21 | $ 2,971,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 421,890,000 | 18 | $ 1,280,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 2,392,000 |
| Northeast Security Bank 108 NORTH CARPENTER SUMNER, IA 50674 |
* | $ 113,179,000 | 16 | $ 1,923,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 13 | $ 1,672,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 12 | $ 1,237,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 10 | $ 1,314,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 7 | $ 737,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,023,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,689,420,000 | 5 | $ 854,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 603,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,035,190,000 | 3 | $ 113,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 60,023,000 | 3 | $ 336,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 218,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 367,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 545,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 261,156,000 | 2 | $ 117,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 222,900,000 | 2 | $ 264,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 2 | $ 91,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 778,143,000 | 2 | $ 400,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 273,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 271,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 384,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 2 | $ 224,000 |
| Aim Credit Union 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 79,049,000 | 2 | $ 165,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 164,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 38,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 151,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 137,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 68,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 387,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 63,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 116,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,089,203,000 | 1 | $ 77,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 34,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 63,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,061,586,000 | 1 | $ 188,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 731,347,000 | 1 | $ 105,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 395,924,000 | 1 | $ 30,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 112,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 297,912,000 | 1 | $ 136,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,829,259,000 | 1 | $ 156,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 159,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 38,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 69,000 |
| Midwest Mortgage Partners 8450 HICKMAN RD STE A CLIVE, IA 50325 |
* | $ 100,000,000 | 1 | $ 70,000 |
The tables below break down 2010 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 2010
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 | 233 | $30,719,000 | $131,000 | $1,139,000 | $70,000 | $391,000 |
| Home Purchase | 79 | $10,684,000 | $135,000 | $1,970,000 | $54,000 | $236,000 |
| Home Improvement | 32 | $2,333,000 | $72,000 | $387,000 | $72,000 | $252,000 |
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 | 307 | $38,056,000 | $123,000 | $1,970,000 | $65,000 | $359,000 |
| Not Provided | 24 | $2,950,000 | $122,000 | $217,000 | $73,000 | $391,000 |
| Not applicable | 6 | $1,850,000 | $308,000 | $1,139,000 | $61,000 | $274,000 |
| Hispanic | 3 | $232,000 | $77,000 | $188,000 | $61,000 | $92,000 |
| Asian | 2 | $370,000 | $185,000 | $345,000 | $164,000 | $240,000 |
| Black or African American | 2 | $278,000 | $139,000 | $199,000 | $54,000 | $55,000 |
| 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) | 282 | $34,868,000 | $123,000 | $1,970,000 | $69,000 | $391,000 |
| FHA-insured (Federal Housing Administration) | 50 | $6,642,000 | $132,000 | $310,000 | $53,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,671,000 | $208,000 | $387,000 | $64,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $555,000 | $138,000 | $377,000 | $13,000 | $33,000 |
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 | 220 | $27,862,000 | $126,000 | $1,970,000 | $71,000 | $391,000 |
| Application Denied By Financial Institution | 58 | $7,202,000 | $124,000 | $520,000 | $55,000 | $236,000 |
| Application Withdrawn By Applicant | 34 | $4,570,000 | $134,000 | $300,000 | $68,000 | $240,000 |
| Application Approved But Not Accepted | 15 | $1,581,000 | $105,000 | $219,000 | $52,000 | $84,000 |
| Loan Purchased By The Institution | 14 | $2,111,000 | $150,000 | $387,000 | $47,000 | $108,000 |
| File Closed For Incompleteness | 3 | $410,000 | $136,000 | $179,000 | $66,000 | $99,000 |
| 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 | 14 | $1,762,000 | $125,000 | $192,000 | $60,000 | $111,000 |
| Debt-To-Income Ratio | 10 | $1,627,000 | $162,000 | $520,000 | $62,000 | $236,000 |
| Credit History | 7 | $506,000 | $72,000 | $152,000 | $37,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $207,000 | $103,000 | $137,000 | $49,000 | $74,000 |
| Mortgage Insurance Denied | 2 | $200,000 | $100,000 | $111,000 | $45,000 | $67,000 |
| Other | 2 | $249,000 | $124,000 | $212,000 | $112,000 | $125,000 |
| Unverifiable Information | 1 | $112,000 | $112,000 | $112,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $73,000 | $73,000 | $73,000 | $41,000 | $41,000 |
| 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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