Midwestone Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Midwestone Bank 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Midwestone Bank 102 South Clinton Street Iowa City, IA 52240 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,875 |
| Total Mortgage Loan Application Amount | $267,175,000 |
| Average Mortgage Loan Application Amount | $134,400 |
| Highest Mortgage Loan Application Amount | $1,655,000 |
| Average Applicant Income | $106,200 |
| Highest Applicant Income | $1,405,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Midwestone Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Midwestone Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Midwestone Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Midwestone Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Midwestone Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Midwestone Bank's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Iowa | 247 | $ 40,375,000 | $ 163,000 | $ 119,000 |
| Washington County Minnesota | 146 | $ 21,740,000 | $ 148,000 | $ 126,000 |
| Polk County Wisconsin | 130 | $ 11,830,000 | $ 91,000 | $ 85,000 |
| Hennepin County Minnesota | 121 | $ 32,185,000 | $ 265,000 | $ 183,000 |
| St. Croix County Wisconsin | 100 | $ 16,220,000 | $ 162,000 | $ 117,000 |
| Lee County Iowa | 84 | $ 6,700,000 | $ 79,000 | $ 79,000 |
| Mahaska County Iowa | 80 | $ 8,140,000 | $ 101,000 | $ 76,000 |
| Des Moines County Iowa | 72 | $ 6,230,000 | $ 86,000 | $ 72,000 |
| Chisago County Minnesota | 70 | $ 7,050,000 | $ 100,000 | $ 77,000 |
| Black Hawk County Iowa | 66 | $ 7,620,000 | $ 115,000 | $ 95,000 |
| Jefferson County Iowa | 61 | $ 4,905,000 | $ 80,000 | $ 73,000 |
| Anoka County Minnesota | 46 | $ 6,850,000 | $ 148,000 | $ 126,000 |
| Dakota County Minnesota | 40 | $ 5,390,000 | $ 134,000 | $ 88,000 |
| Wright County Minnesota | 39 | $ 4,325,000 | $ 110,000 | $ 119,000 |
| Muscatine County Iowa | 37 | $ 4,685,000 | $ 126,000 | $ 71,000 |
| Ramsey County Minnesota | 35 | $ 6,315,000 | $ 180,000 | $ 191,000 |
| Marion County Iowa | 33 | $ 4,445,000 | $ 134,000 | $ 117,000 |
| Marshall County Iowa | 33 | $ 2,635,000 | $ 79,000 | $ 71,000 |
| Butler County Iowa | 31 | $ 2,225,000 | $ 71,000 | $ 74,000 |
| Lee County Florida | 30 | $ 5,470,000 | $ 182,000 | $ 150,000 |
| Collier County Florida | 29 | $ 12,295,000 | $ 423,000 | $ 188,000 |
| Grundy County Iowa | 29 | $ 2,245,000 | $ 77,000 | $ 70,000 |
| Benton County Iowa | 24 | $ 2,050,000 | $ 85,000 | $ 65,000 |
| Sherburne County Minnesota | 22 | $ 3,130,000 | $ 142,000 | $ 96,000 |
| Keokuk County Iowa | 21 | $ 1,155,000 | $ 55,000 | $ 65,000 |
| Iowa County Iowa | 15 | $ 1,235,000 | $ 82,000 | $ 81,000 |
| Cedar County Iowa | 13 | $ 1,305,000 | $ 100,000 | $ 95,000 |
| Linn County Iowa | 12 | $ 3,240,000 | $ 270,000 | $ 160,000 |
| Tama County Iowa | 11 | $ 1,365,000 | $ 124,000 | $ 71,000 |
| Carver County Minnesota | 10 | $ 2,040,000 | $ 204,000 | $ 136,000 |
| Denver County Colorado | 8 | $ 2,670,000 | $ 333,000 | $ 177,000 |
| Henry County Iowa | 8 | $ 840,000 | $ 105,000 | $ 80,000 |
| Polk County Iowa | 8 | $ 940,000 | $ 117,000 | $ 135,000 |
| Louisa County Iowa | 7 | $ 775,000 | $ 110,000 | $ 78,000 |
| Scott County Minnesota | 7 | $ 1,585,000 | $ 226,000 | $ 500,000 |
| Wapello County Iowa | 6 | $ 360,000 | $ 60,000 | $ 98,000 |
| Hardin County Iowa | 5 | $ 175,000 | $ 35,000 | $ 54,000 |
| Washington County Iowa | 5 | $ 485,000 | $ 97,000 | $ 150,000 |
| Burnett County Wisconsin | 5 | $ 655,000 | $ 131,000 | $ 87,000 |
| Maricopa County Arizona | 4 | $ 940,000 | $ 235,000 | $ 180,000 |
| Scott County Iowa | 4 | $ 730,000 | $ 182,000 | $ 82,000 |
| Isanti County Minnesota | 4 | $ 830,000 | $ 207,000 | $ 124,000 |
| Mille Lacs County Minnesota | 4 | $ 440,000 | $ 110,000 | $ 230,000 |
| Sawyer County Wisconsin | 4 | $ 1,130,000 | $ 282,000 | $ 164,000 |
| Arapahoe County Colorado | 3 | $ 395,000 | $ 131,000 | $ 64,000 |
| Charlotte County Florida | 3 | $ 295,000 | $ 98,000 | $ 105,000 |
| Sumter County Florida | 3 | $ 325,000 | $ 108,000 | $ 153,000 |
| Rock Island County Illinois | 3 | $ 505,000 | $ 168,000 | $ 226,000 |
| Fayette County Iowa | 3 | $ 105,000 | $ 35,000 | $ 44,000 |
| Jasper County Iowa | 3 | $ 245,000 | $ 81,000 | $ 68,000 |
| Monroe County Iowa | 3 | $ 225,000 | $ 75,000 | $ 46,000 |
| Crow Wing County Minnesota | 3 | $ 1,965,000 | $ 655,000 | $ 170,000 |
| Pine County Minnesota | 3 | $ 485,000 | $ 161,000 | $ 82,000 |
| St. Louis County Minnesota | 3 | $ 585,000 | $ 195,000 | $ 150,000 |
| Dunn County Wisconsin | 3 | $ 255,000 | $ 85,000 | $ 36,000 |
| Pierce County Wisconsin | 3 | $ 645,000 | $ 215,000 | $ 82,000 |
| El Paso County Colorado | 2 | $ 430,000 | $ 215,000 | $ 53,000 |
| Jefferson County Colorado | 2 | $ 400,000 | $ 200,000 | $ 96,000 |
| Cook County Illinois | 2 | $ 860,000 | $ 430,000 | $ 400,000 |
| Hancock County Illinois | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| McDonough County Illinois | 2 | $ 200,000 | $ 100,000 | $ 27,000 |
| Will County Illinois | 2 | $ 790,000 | $ 395,000 | $ 10,000 |
| Boone County Iowa | 2 | $ 290,000 | $ 145,000 | $ 89,000 |
| Buchanan County Iowa | 2 | $ 90,000 | $ 45,000 | $ 84,000 |
| Dallas County Iowa | 2 | $ 210,000 | $ 105,000 | $ 74,000 |
| Jones County Iowa | 2 | $ 130,000 | $ 65,000 | $ 179,000 |
| Poweshiek County Iowa | 2 | $ 350,000 | $ 175,000 | $ 84,000 |
| Story County Iowa | 2 | $ 450,000 | $ 225,000 | $ 104,000 |
| Aitkin County Minnesota | 2 | $ 520,000 | $ 260,000 | $ 130,000 |
| Beltrami County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 120,000 |
| Itasca County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 73,000 |
| Barron County Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 104,000 |
| Washburn County Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 64,000 |
| Pima County Arizona | 1 | $ 285,000 | $ 285,000 | $ 221,000 |
| Adams County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Douglas County Colorado | 1 | $ 655,000 | $ 655,000 | $ 95,000 |
| Larimer County Colorado | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Alachua County Florida | 1 | $ 325,000 | $ 325,000 | $ 78,000 |
| Broward County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Escambia County Florida | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Monroe County Florida | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Orange County Florida | 1 | $ 115,000 | $ 115,000 | $ 149,000 |
| Polk County Florida | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Seminole County Florida | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| St. Lucie County Florida | 1 | $ 175,000 | $ 175,000 | $ 490,000 |
| Henderson County Illinois | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Madison County Illinois | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Chickasaw County Iowa | 1 | $ 165,000 | $ 165,000 | $ 146,000 |
| Pottawattamie County Iowa | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| Van Buren County Iowa | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Woodbury County Iowa | 1 | $ 25,000 | $ 25,000 | $ 99,000 |
| Worth County Iowa | 1 | $ 115,000 | $ 115,000 | $ 162,000 |
| Wright County Iowa | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Big Stone County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Cass County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Goodhue County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 222,000 |
| Houston County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Le Sueur County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Meeker County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 196,000 |
| Morrison County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 253,000 |
| Camden County Missouri | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Washoe County Nevada | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 405,000 | $ 405,000 | $ 463,000 |
| Monroe County New York | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Suffolk County New York | 1 | $ 105,000 | $ 105,000 | $ 216,000 |
| Brazoria County Texas | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
| Tarrant County Texas | 1 | $ 265,000 | $ 265,000 | $ 315,000 |
| Chippewa County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Dane County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Douglas County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Pepin County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Portage County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Midwestone Bank in 2018
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 | 624 | $120,030,000 | $192,000 | $1,655,000 | $105,000 | $771,000 |
| Refinancing | 502 | $66,540,000 | $132,000 | $1,445,000 | $113,000 | $1,405,000 |
| Other Purpose | 337 | $26,035,000 | $77,000 | $475,000 | $116,000 | $795,000 |
| Home Improvement | 218 | $16,180,000 | $74,000 | $1,435,000 | $97,000 | $721,000 |
| Cash-out Refinancing | 194 | $38,390,000 | $197,000 | $1,465,000 | $100,000 | $1,215,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,441 | $193,605,000 | $134,000 | $1,125,000 | $107,000 | $1,405,000 |
| Not Provided | 210 | $25,010,000 | $119,000 | $1,335,000 | $118,000 | $721,000 |
| Not applicable | 134 | $34,800,000 | $259,000 | $1,655,000 | $83,000 | $83,000 |
| Hispanic | 44 | $8,790,000 | $199,000 | $1,465,000 | $86,000 | $480,000 |
| Asian | 26 | $3,390,000 | $130,000 | $295,000 | $142,000 | $795,000 |
| Black or African American | 14 | $1,360,000 | $97,000 | $385,000 | $73,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $95,000 | $31,000 | $45,000 | $48,000 | $65,000 |
| American Indian or Alaskan Native | 3 | $125,000 | $41,000 | $55,000 | $92,000 | $184,000 |
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) | 1,855 | $264,595,000 | $142,000 | $1,655,000 | $108,000 | $1,405,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,280,000 | $91,000 | $155,000 | $41,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 3 | $815,000 | $271,000 | $395,000 | $99,000 | $100,000 |
| FHA-insured (Federal Housing Administration) | 3 | $485,000 | $161,000 | $195,000 | $71,000 | $121,000 |
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 | 1,384 | $191,540,000 | $138,000 | $1,655,000 | $113,000 | $1,405,000 |
| Application Denied By Financial Institution | 273 | $32,235,000 | $118,000 | $1,465,000 | $77,000 | $489,000 |
| Application Withdrawn By Applicant | 167 | $32,235,000 | $193,000 | $1,465,000 | $115,000 | $795,000 |
| Application Approved But Not Accepted | 34 | $6,630,000 | $195,000 | $1,125,000 | $145,000 | $526,000 |
| File Closed For Incompleteness | 17 | $4,535,000 | $266,000 | $675,000 | $120,000 | $312,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,602 | $234,940,000 | $146,000 | $1,655,000 | $114,000 | $1,405,000 |
| Debt-To-Income Ratio | 86 | $12,580,000 | $146,000 | $755,000 | $52,000 | $219,000 |
| Credit History | 83 | $8,465,000 | $101,000 | $1,465,000 | $68,000 | $480,000 |
| Collateral | 56 | $5,710,000 | $101,000 | $455,000 | $102,000 | $350,000 |
| Credit Application Incomplete | 32 | $2,620,000 | $81,000 | $405,000 | $115,000 | $489,000 |
| Other | 11 | $2,505,000 | $227,000 | $1,025,000 | $139,000 | $369,000 |
| Employment History | 5 | $355,000 | $71,000 | $205,000 | $41,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midwestone Bank's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Midwestone Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.