Adams County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 66 mortgage applications in Adams County, IA totaling $7.0 million, down 25% from 2009. The average application was for $106,000, and applicants reported an average income of $114,000. 62% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank, NA, with 12 applications, followed by JPMorgan Chase Bank, NA and Bank of America, N.A..
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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 | 66 |
| Total Mortgage Loan Application Amount | $7,034,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $614,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $1,429,000 |
| 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 | 12 | $ 1,011,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 374,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 6 | $ 560,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 6 | $ 1,131,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 164,025,000 | 5 | $ 1,265,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 3 | $ 153,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 160,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 3 | $ 306,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 375,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 340,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 149,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 51,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 200,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,841,918,000 | 1 | $ 118,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 34,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 631,277,000 | 1 | $ 66,000 |
| Union State Bank 611 W HWY 92 WINTERSET, IA 50273 |
* | $ 70,503,000 | 1 | $ 4,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 1 | $ 44,000 |
| Houghton State Bank 116 E COOLBAUGH ST RED OAK, IA 51566 |
* | $ 137,082,000 | 1 | $ 67,000 |
| Farmers and Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ 160,867,000 | 1 | $ 4,000 |
| Northeast Security Bank 108 NORTH CARPENTER SUMNER, IA 50674 |
* | $ 113,179,000 | 1 | $ 45,000 |
| Exchange State Bank 322 AUDUBON STREET ADAIR, IA 50002 |
* | $ 58,586,000 | 1 | $ 4,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 62,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 51,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 97,000 |
The tables below break down 2010 mortgage applications in Adams 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 Adams 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 | 43 | $5,055,000 | $117,000 | $614,000 | $48,000 | $139,000 |
| Home Purchase | 20 | $1,322,000 | $66,000 | $392,000 | $126,000 | $1,329,000 |
| Home Improvement | 3 | $657,000 | $219,000 | $298,000 | $978,000 | $1,429,000 |
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 | 58 | $6,595,000 | $113,000 | $614,000 | $123,000 | $1,429,000 |
| Not Provided | 5 | $427,000 | $85,000 | $185,000 | $67,000 | $206,000 |
| Asian | 3 | $12,000 | $4,000 | $4,000 | $14,000 | $19,000 |
| 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 |
| Not applicable | 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) | 44 | $5,357,000 | $121,000 | $614,000 | $155,000 | $1,429,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,170,000 | $83,000 | $188,000 | $28,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $348,000 | $58,000 | $80,000 | $39,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 2 | $159,000 | $79,000 | $97,000 | $21,000 | $42,000 |
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 | 41 | $4,884,000 | $119,000 | $614,000 | $161,000 | $1,429,000 |
| Application Denied By Financial Institution | 12 | $813,000 | $67,000 | $188,000 | $34,000 | $62,000 |
| Application Approved But Not Accepted | 5 | $561,000 | $112,000 | $200,000 | $46,000 | $111,000 |
| Application Withdrawn By Applicant | 3 | $229,000 | $76,000 | $121,000 | $21,000 | $34,000 |
| Loan Purchased By The Institution | 3 | $300,000 | $100,000 | $135,000 | $37,000 | $50,000 |
| File Closed For Incompleteness | 2 | $247,000 | $123,000 | $185,000 | $36,000 | $42,000 |
| 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 | 4 | $83,000 | $20,000 | $45,000 | $21,000 | $42,000 |
| Collateral | 3 | $217,000 | $72,000 | $104,000 | $52,000 | $62,000 |
| Other | 1 | $4,000 | $4,000 | $4,000 | $12,000 | $12,000 |
| Unverifiable Information | 1 | $68,000 | $68,000 | $68,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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