Audubon County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 101 mortgage applications in Audubon County, IA totaling $7.7 million, about the same as 2011. The average application was for $76,000, and applicants reported an average income of $59,000. 62% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 22 applications, followed by Exchange State Bank and Northwest 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 | 101 |
| Total Mortgage Loan Application Amount | $7,741,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $294,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 22 | $ 1,949,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ 97,705,000 | 20 | $ 779,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 4 | $ 268,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 4 | $ 165,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 4 | $ 322,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 268,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 3 | $ 289,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 98,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 335,089,000 | 2 | $ 86,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 207,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 140,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 188,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 85,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 166,560,000 | 2 | $ 201,000 |
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ 109,751,000 | 2 | $ 455,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 87,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 137,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 453,215,000 | 1 | $ 130,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,153,520,000 | 1 | $ 38,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 1 | $ 77,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 11,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 49,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 459,848,000 | 1 | $ 65,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ 207,128,000 | 1 | $ 225,000 |
| Houghton State Bank 116 E COOLBAUGH ST RED OAK, IA 51566 |
* | $ 154,742,000 | 1 | $ 71,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 88,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 179,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 1,928,109,000 | 1 | $ 146,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 119,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 47,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 40,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 39,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 81,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 200,000 |
The tables below break down 2012 mortgage applications in Audubon 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 Audubon County, IA in 2012
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 | 67 | $5,640,000 | $84,000 | $320,000 | $58,000 | $294,000 |
| Home Purchase | 25 | $1,716,000 | $68,000 | $179,000 | $64,000 | $157,000 |
| Home Improvement | 9 | $385,000 | $42,000 | $132,000 | $53,000 | $110,000 |
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 | 87 | $6,868,000 | $78,000 | $320,000 | $64,000 | $294,000 |
| Not Provided | 8 | $621,000 | $77,000 | $179,000 | $40,000 | $89,000 |
| Not applicable | 6 | $252,000 | $42,000 | $81,000 | $12,000 | $76,000 |
| 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) | 76 | $5,269,000 | $69,000 | $320,000 | $63,000 | $294,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,220,000 | $110,000 | $179,000 | $68,000 | $157,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,038,000 | $115,000 | $247,000 | $38,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $214,000 | $42,000 | $83,000 | $30,000 | $58,000 |
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 | 63 | $4,999,000 | $79,000 | $320,000 | $66,000 | $294,000 |
| Application Denied By Financial Institution | 17 | $883,000 | $51,000 | $211,000 | $47,000 | $110,000 |
| Loan Purchased By The Institution | 9 | $758,000 | $84,000 | $247,000 | $42,000 | $157,000 |
| Application Withdrawn By Applicant | 8 | $569,000 | $71,000 | $119,000 | $55,000 | $96,000 |
| Application Approved But Not Accepted | 3 | $395,000 | $131,000 | $200,000 | $44,000 | $86,000 |
| File Closed For Incompleteness | 1 | $137,000 | $137,000 | $137,000 | $77,000 | $77,000 |
| 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 | 7 | $203,000 | $29,000 | $60,000 | $51,000 | $110,000 |
| Collateral | 4 | $401,000 | $100,000 | $211,000 | $41,000 | $84,000 |
| Debt-To-Income Ratio | 2 | $132,000 | $66,000 | $67,000 | $49,000 | $72,000 |
| Credit Application Incomplete | 1 | $42,000 | $42,000 | $42,000 | $58,000 | $58,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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