Adams County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 75 mortgage applications in Adams County, IA totaling $8.0 million, down 21% from 2017. The average application was for $106,000, and applicants reported an average income of $62,000. 49% of applications resulted in an originated loan and 29% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 22 applications, followed by Wells Fargo Bank NA and Castle & Cooke Mortgage, LLC.
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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 | 75 |
| Total Mortgage Loan Application Amount | $7,995,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $160,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 22 | $ 2,100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 810,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 4 | $ 530,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 4 | $ 490,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 4 | $ 380,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 204,946,000 | 3 | $ 185,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 3 | $ 245,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 952,586,000 | 2 | $ 390,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 240,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 280,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 150,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 140,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 65,000 |
| Houghton State Bank 116 E COOLBAUGH ST RED OAK, IA 51566 |
* | $ 180,655,000 | 1 | $ 115,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,609,368,000 | 1 | $ 65,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 371,813,000 | 1 | $ 25,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 1 | $ 15,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,567,564,000 | 1 | $ 345,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 55,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 105,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 452,731,000 | 1 | $ 95,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 175,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 65,000 |
The tables below break down 2018 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 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 | 48 | $5,230,000 | $108,000 | $345,000 | $60,000 | $141,000 |
| Refinancing | 11 | $1,305,000 | $118,000 | $255,000 | $80,000 | $160,000 |
| Cash-out Refinancing | 10 | $1,080,000 | $108,000 | $205,000 | $54,000 | $114,000 |
| Home Improvement | 4 | $230,000 | $57,000 | $115,000 | $73,000 | $123,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $23,000 | $23,000 |
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 | 63 | $6,835,000 | $108,000 | $345,000 | $62,000 | $160,000 |
| Not applicable | 6 | $670,000 | $111,000 | $175,000 | $0 | $0 |
| Not Provided | 6 | $490,000 | $81,000 | $155,000 | $64,000 | $135,000 |
| 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) | 56 | $6,180,000 | $110,000 | $345,000 | $65,000 | $160,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,250,000 | $125,000 | $185,000 | $71,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $565,000 | $62,000 | $85,000 | $36,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 37 | $3,905,000 | $105,000 | $345,000 | $66,000 | $160,000 |
| Application Denied By Financial Institution | 22 | $2,300,000 | $104,000 | $315,000 | $58,000 | $157,000 |
| Loan Purchased By The Institution | 7 | $745,000 | $106,000 | $175,000 | $60,000 | $60,000 |
| Application Withdrawn By Applicant | 4 | $530,000 | $132,000 | $195,000 | $44,000 | $54,000 |
| Application Approved But Not Accepted | 4 | $430,000 | $107,000 | $135,000 | $66,000 | $113,000 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
| 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 | 48 | $5,390,000 | $112,000 | $345,000 | $65,000 | $160,000 |
| Debt-To-Income Ratio | 11 | $1,045,000 | $95,000 | $315,000 | $64,000 | $123,000 |
| Credit History | 9 | $965,000 | $107,000 | $235,000 | $62,000 | $157,000 |
| Credit Application Incomplete | 5 | $495,000 | $99,000 | $205,000 | $41,000 | $83,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $52,000 | $52,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $50,000 | $50,000 |
| Unverifiable Information | 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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