Adams County, IA Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 91 mortgage applications in Adams County, IA totaling $12.4 million, down 5% from 2019. The average application was for $135,000, and applicants reported an average income of $81,000. 44% of applications resulted in an originated loan and 22% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 14 applications, followed by Plains Commerce Bank and Farm Credit Mid-America, Aca.
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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 | 91 |
| Total Mortgage Loan Application Amount | $12,355,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $547,000 |
| 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 | 14 | $ 1,670,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 9 | $ 1,075,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 6 | $ 1,450,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,391,958,000 | 5 | $ 555,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 4 | $ 350,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 4 | $ 360,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 4 | $ 340,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 948,382,000 | 2 | $ 90,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 160,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,688,814,000 | 2 | $ 670,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 210,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 285,828,000 | 2 | $ 210,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 235,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ 4,981,719,000 | 1 | $ 65,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 95,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 215,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 255,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 175,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 857,609,000 | 1 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 275,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 195,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 85,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 165,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ 304,873,000 | 1 | $ 195,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 175,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 185,000 |
The tables below break down 2020 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 2020
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 | 37 | $5,695,000 | $153,000 | $275,000 | $104,000 | $547,000 |
| Home Purchase | 35 | $3,835,000 | $109,000 | $405,000 | $63,000 | $146,000 |
| Cash-out Refinancing | 17 | $2,695,000 | $158,000 | $355,000 | $76,000 | $193,000 |
| Home Improvement | 1 | $105,000 | $105,000 | $105,000 | $75,000 | $75,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $38,000 | $38,000 |
| 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 | 74 | $9,810,000 | $132,000 | $355,000 | $84,000 | $547,000 |
| Not Provided | 13 | $2,215,000 | $170,000 | $405,000 | $67,000 | $129,000 |
| Not applicable | 3 | $255,000 | $85,000 | $95,000 | $37,000 | $37,000 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $64,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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 |
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) | 64 | $9,520,000 | $148,000 | $405,000 | $91,000 | $547,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,485,000 | $114,000 | $215,000 | $46,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $730,000 | $73,000 | $85,000 | $41,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 4 | $620,000 | $155,000 | $235,000 | $139,000 | $139,000 |
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 | 40 | $6,130,000 | $153,000 | $405,000 | $94,000 | $547,000 |
| Application Withdrawn By Applicant | 23 | $2,635,000 | $114,000 | $275,000 | $63,000 | $139,000 |
| Application Denied By Financial Institution | 20 | $2,610,000 | $130,000 | $325,000 | $60,000 | $129,000 |
| Loan Purchased By The Institution | 3 | $255,000 | $85,000 | $95,000 | $37,000 | $37,000 |
| Application Approved But Not Accepted | 2 | $380,000 | $190,000 | $205,000 | $118,000 | $118,000 |
| File Closed For Incompleteness | 2 | $290,000 | $145,000 | $255,000 | $265,000 | $500,000 |
| Preapproval Denied by Financial Institution | 1 | $55,000 | $55,000 | $55,000 | $51,000 | $51,000 |
| Preapproval Approved but not Accepted | 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 | 68 | $9,600,000 | $141,000 | $405,000 | $90,000 | $547,000 |
| Credit History | 8 | $790,000 | $98,000 | $325,000 | $60,000 | $129,000 |
| Credit Application Incomplete | 5 | $1,025,000 | $205,000 | $315,000 | $64,000 | $112,000 |
| Debt-To-Income Ratio | 4 | $350,000 | $87,000 | $155,000 | $55,000 | $100,000 |
| Collateral | 2 | $280,000 | $140,000 | $175,000 | $87,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $125,000 | $30,000 | $34,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $38,000 | $38,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $36,000 | $36,000 |
| Unverifiable Information | 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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