Adams County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 79 mortgage applications in Adams County, IA totaling $11.3 million, up 27% from 2023. The average application was for $142,000, and applicants reported an average income of $93,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 9 applications, followed by First Interstate Bank and Guild Mortgage Company.
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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 | 79 |
| Total Mortgage Loan Application Amount | $11,295,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $501,000 |
| 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 |
* | $ n/a | 9 | $ 1,115,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 5 | $ 315,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 265,000 |
| Ts Bank 15 E MAIN ST TREYNOR, IA 51575 |
* | $ n/a | 4 | $ 340,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 3 | $ 235,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 3 | $ 325,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 215,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 2 | $ 440,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 2 | $ 180,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 390,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 210,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 140,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 190,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 2 | $ 30,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 240,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 1,140,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 345,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 195,000 |
| Houghton State Bank 116 E COOLBAUGH ST RED OAK, IA 51566 |
* | $ n/a | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 245,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 155,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 25,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 345,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 105,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 95,000 |
| Community State Bank 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ n/a | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 195,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 65,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ n/a | 1 | $ 395,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ n/a | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 185,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 185,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 1 | $ 175,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 515,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 125,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 195,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 235,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 185,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2024 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 2024
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 | 58 | $8,740,000 | $150,000 | $695,000 | $91,000 | $262,000 |
| Other Purpose | 8 | $630,000 | $78,000 | $205,000 | $75,000 | $135,000 |
| Refinancing | 5 | $1,375,000 | $275,000 | $515,000 | $165,000 | $501,000 |
| Cash-out Refinancing | 4 | $440,000 | $110,000 | $195,000 | $62,000 | $103,000 |
| Home Improvement | 3 | $85,000 | $28,000 | $35,000 | $121,000 | $247,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 67 | $9,785,000 | $146,000 | $695,000 | $96,000 | $501,000 |
| Not applicable | 6 | $840,000 | $140,000 | $345,000 | $0 | $0 |
| Not Provided | 3 | $275,000 | $91,000 | $155,000 | $56,000 | $115,000 |
| Hispanic | 2 | $370,000 | $185,000 | $195,000 | $79,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $14,000 | $14,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 45 | $5,935,000 | $131,000 | $695,000 | $100,000 | $501,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,610,000 | $163,000 | $345,000 | $91,000 | $262,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $845,000 | $93,000 | $235,000 | $58,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,905,000 | $211,000 | $515,000 | $90,000 | $149,000 |
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 | 44 | $7,230,000 | $164,000 | $695,000 | $109,000 | $501,000 |
| Application Withdrawn By Applicant | 14 | $1,520,000 | $108,000 | $185,000 | $80,000 | $168,000 |
| Application Denied By Financial Institution | 13 | $1,625,000 | $125,000 | $235,000 | $59,000 | $113,000 |
| Loan Purchased By The Institution | 5 | $815,000 | $163,000 | $345,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $90,000 | $45,000 | $85,000 | $85,000 | $85,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $60,000 | $60,000 |
| 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 | 59 | $8,685,000 | $147,000 | $695,000 | $100,000 | $501,000 |
| Debt-To-Income Ratio | 11 | $1,405,000 | $127,000 | $395,000 | $88,000 | $167,000 |
| Collateral | 5 | $645,000 | $129,000 | $195,000 | $35,000 | $55,000 |
| Credit Application Incomplete | 2 | $290,000 | $145,000 | $235,000 | $88,000 | $89,000 |
| Credit History | 2 | $270,000 | $135,000 | $225,000 | $78,000 | $113,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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