Adair County, IA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 196 mortgage applications in Adair County, IA totaling $26.9 million, up 8% from 2024. The average application was for $137,000, and applicants reported an average income of $108,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Veridian Credit Union, with 13 applications, followed by Fnb Bank and First 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 | 196 |
| Total Mortgage Loan Application Amount | $26,910,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $3,039,000 |
* 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 |
|---|---|---|---|---|
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 13 | $ 1,505,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ n/a | 11 | $ 1,155,000 |
| First State Bank 215 N. DIVISION, PO BOX 400 STUART, IA 50250 |
* | $ n/a | 10 | $ 1,330,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 1,390,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 8 | $ 1,060,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ n/a | 7 | $ 495,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 6 | $ 500,000 |
| Farmers & Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ n/a | 6 | $ 620,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 930,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,475,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 5 | $ 495,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 925,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 905,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 5 | $ 695,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 4 | $ 640,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 330,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 4 | $ 640,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 640,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ n/a | 3 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 425,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 155,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 285,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 3 | $ 465,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 340,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 2 | $ 120,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ n/a | 2 | $ 100,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 410,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 230,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 140,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 120,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 250,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 240,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 2 | $ 250,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 90,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 90,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 325,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 125,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 305,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 255,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 265,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 215,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ n/a | 1 | $ 75,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 165,000 |
| Union State Bank 611 W HWY 92 WINTERSET, IA 50273 |
* | $ n/a | 1 | $ 355,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 125,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 1 | $ 445,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 145,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 535,000 |
| Journey Credit Union 1400 2ND AVE DES MOINES, IA 50314 |
* | $ n/a | 1 | $ 105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 165,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 35,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 115,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 85,000 |
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ n/a | 1 | $ 115,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 75,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 155,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 155,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 1 | $ 135,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 65,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ n/a | 1 | $ 155,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 515,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 185,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ n/a | 1 | $ 265,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 105,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Adair 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 Adair County, IA in 2025
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 | 73 | $11,965,000 | $163,000 | $525,000 | $144,000 | $3,039,000 |
| Refinancing | 45 | $7,125,000 | $158,000 | $355,000 | $83,000 | $254,000 |
| Cash-out Refinancing | 39 | $4,945,000 | $126,000 | $535,000 | $76,000 | $205,000 |
| Home Improvement | 26 | $2,010,000 | $77,000 | $305,000 | $110,000 | $240,000 |
| Other Purpose | 13 | $865,000 | $66,000 | $155,000 | $77,000 | $155,000 |
| 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 | 147 | $18,665,000 | $126,000 | $525,000 | $111,000 | $3,039,000 |
| Not Provided | 25 | $4,685,000 | $187,000 | $535,000 | $92,000 | $205,000 |
| Not applicable | 17 | $2,795,000 | $164,000 | $525,000 | $121,000 | $121,000 |
| American Indian or Alaskan Native | 3 | $205,000 | $68,000 | $135,000 | $110,000 | $240,000 |
| Hispanic | 3 | $365,000 | $121,000 | $155,000 | $51,000 | $54,000 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $116,000 | $116,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 138 | $15,710,000 | $113,000 | $445,000 | $116,000 | $3,039,000 |
| VA-guaranteed (Veterans Administration) | 25 | $5,905,000 | $236,000 | $525,000 | $75,000 | $219,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,530,000 | $176,000 | $535,000 | $80,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,765,000 | $135,000 | $185,000 | $73,000 | $108,000 |
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 | 101 | $12,795,000 | $126,000 | $525,000 | $97,000 | $254,000 |
| Application Denied By Financial Institution | 39 | $4,685,000 | $120,000 | $445,000 | $154,000 | $3,039,000 |
| Application Withdrawn By Applicant | 23 | $4,325,000 | $188,000 | $535,000 | $95,000 | $240,000 |
| Application Approved But Not Accepted | 14 | $2,430,000 | $173,000 | $325,000 | $88,000 | $185,000 |
| Loan Purchased By The Institution | 14 | $2,110,000 | $150,000 | $525,000 | $108,000 | $121,000 |
| File Closed For Incompleteness | 5 | $565,000 | $113,000 | $215,000 | $91,000 | $175,000 |
| 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 | 124 | $18,320,000 | $147,000 | $535,000 | $94,000 | $240,000 |
| Debt-To-Income Ratio | 48 | $5,500,000 | $114,000 | $355,000 | $92,000 | $254,000 |
| Credit History | 9 | $1,255,000 | $139,000 | $325,000 | $566,000 | $3,039,000 |
| Collateral | 8 | $1,130,000 | $141,000 | $445,000 | $64,000 | $164,000 |
| Other | 3 | $385,000 | $128,000 | $195,000 | $37,000 | $75,000 |
| Credit Application Incomplete | 2 | $140,000 | $70,000 | $75,000 | $39,000 | $55,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 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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