Adair County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 272 mortgage applications in Adair County, IA totaling $30.4 million, down 17% from 2009. The average application was for $111,000, and applicants reported an average income of $70,000. 59% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank, NA, with 42 applications, followed by First National Bank and Exchange 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 | 272 |
| Total Mortgage Loan Application Amount | $30,359,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $819,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 42 | $ 3,718,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 164,025,000 | 40 | $ 8,616,000 |
| Exchange State Bank 322 AUDUBON STREET ADAIR, IA 50002 |
* | $ 58,586,000 | 29 | $ 2,590,000 |
| Farmers and Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ 160,867,000 | 18 | $ 975,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 11 | $ 1,203,000 |
| First State Bank 215 N. DIVISION, PO BOX 400 STUART, IA 50250 |
* | $ 88,954,000 | 8 | $ 329,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 8 | $ 1,111,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 7 | $ 508,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 7 | $ 575,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 505,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ 182,848,000 | 6 | $ 210,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 440,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 5 | $ 453,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 5 | $ 531,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 5 | $ 467,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 4 | $ 254,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 359,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,689,420,000 | 3 | $ 360,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 212,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 282,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 332,000 |
| Midwest Heritage Bank, FSB 1025 BRADEN AVENUE, P. O. BOX 331 CHARITON, IA 50049 |
* | $ 140,383,000 | 2 | $ 163,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 2 | $ 224,000 |
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ 98,128,000 | 2 | $ 544,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 336,365,000 | 2 | $ 81,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 232,957,000 | 2 | $ 89,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 2 | $ 195,000 |
| First State Bank PO BOX 206, 1150 W 1ST ST SUMNER, IA 50674 |
* | $ 93,928,000 | 2 | $ 399,000 |
| Polk County Bank 5601 MERLE HAY RD, P.O. BOX 200 JOHNSTON, IA 50131 |
* | $ 121,631,000 | 2 | $ 113,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,035,190,000 | 2 | $ 78,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 137,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 212,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 2 | $ 207,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 350,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 162,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 284,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 71,000 |
| Midwest Mortgage Partners 8450 HICKMAN RD STE A CLIVE, IA 50325 |
* | $ 100,000,000 | 1 | $ 152,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 300,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 384,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 81,000 |
| Legacy Bank 502 8TH ST SW - PO BOX 309 ALTOONA, IA 50009 |
* | $ 87,647,000 | 1 | $ 139,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 285,675,000 | 1 | $ 249,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 788,274,000 | 1 | $ 67,000 |
| Financial Plus Credit Union 1831 25TH STREET WEST DES MOINES, IA 50266 |
* | $ 77,196,000 | 1 | $ 25,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 244,846,000 | 1 | $ 164,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,527,865,000 | 1 | $ 100,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ 2,388,113,000 | 1 | $ 174,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,079,890,000 | 1 | $ 20,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 98,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 220,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 184,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,682,356,000 | 1 | $ 72,000 |
The tables below break down 2010 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 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 | 169 | $21,443,000 | $126,000 | $2,200,000 | $74,000 | $819,000 |
| Home Purchase | 82 | $7,569,000 | $92,000 | $524,000 | $59,000 | $719,000 |
| Home Improvement | 21 | $1,347,000 | $64,000 | $300,000 | $72,000 | $212,000 |
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 | 251 | $28,290,000 | $112,000 | $2,200,000 | $72,000 | $819,000 |
| Not Provided | 12 | $1,392,000 | $116,000 | $410,000 | $68,000 | $229,000 |
| Not applicable | 9 | $677,000 | $75,000 | $127,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 208 | $24,483,000 | $117,000 | $2,200,000 | $77,000 | $819,000 |
| FHA-insured (Federal Housing Administration) | 50 | $4,500,000 | $90,000 | $190,000 | $46,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,141,000 | $95,000 | $162,000 | $37,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 2 | $235,000 | $117,000 | $152,000 | $48,000 | $54,000 |
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 | 161 | $19,923,000 | $123,000 | $2,200,000 | $81,000 | $819,000 |
| Application Denied By Financial Institution | 42 | $3,718,000 | $88,000 | $384,000 | $58,000 | $240,000 |
| Application Withdrawn By Applicant | 30 | $2,775,000 | $92,000 | $410,000 | $54,000 | $229,000 |
| Loan Purchased By The Institution | 20 | $1,856,000 | $92,000 | $160,000 | $32,000 | $99,000 |
| Application Approved But Not Accepted | 13 | $1,253,000 | $96,000 | $205,000 | $68,000 | $134,000 |
| File Closed For Incompleteness | 6 | $834,000 | $139,000 | $190,000 | $58,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $533,000 | $53,000 | $125,000 | $45,000 | $80,000 |
| Debt-To-Income Ratio | 7 | $622,000 | $88,000 | $208,000 | $45,000 | $57,000 |
| Collateral | 7 | $1,050,000 | $150,000 | $384,000 | $96,000 | $240,000 |
| Other | 3 | $228,000 | $76,000 | $86,000 | $31,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $146,000 | $73,000 | $81,000 | $17,000 | $35,000 |
| Credit Application Incomplete | 2 | $165,000 | $82,000 | $138,000 | $67,000 | $106,000 |
| Employment History | 1 | $152,000 | $152,000 | $152,000 | $42,000 | $42,000 |
| Unverifiable Information | 1 | $108,000 | $108,000 | $108,000 | $142,000 | $142,000 |
| Mortgage Insurance Denied | 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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