Audubon County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 88 mortgage applications in Audubon County, IA totaling $9.0 million, down 16% from 2015. The average application was for $102,000, and applicants reported an average income of $55,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank NA, with 11 applications, followed by US Bank, N.A. and Franklin American 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 | 88 |
| Total Mortgage Loan Application Amount | $9,018,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $790,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $372,000 |
| 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 |
* | $ 1,610,580,000,000 | 11 | $ 1,836,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 6 | $ 402,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 263,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ 108,967,000 | 4 | $ 136,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 243,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,339,209,000 | 2 | $ 247,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 2 | $ 146,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 224,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 106,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,134,969,000 | 2 | $ 950,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 2 | $ 72,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 349,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 602,453,000 | 2 | $ 32,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 2 | $ 263,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 268,926,000 | 1 | $ 9,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 1 | $ 485,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 1 | $ 68,000 |
| Foundation One Bank 4141 N 156TH ST SUITE 101 OMAHA, NE 68116 |
* | $ 77,836,000 | 1 | $ 69,000 |
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ 116,906,000 | 1 | $ 63,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,329,743,000 | 1 | $ 26,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 60,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Midstates Bank NA 1851 MADISON AVE., STE. 732 COUNCIL BLUFFS, IA 51503 |
* | $ 397,621,000 | 1 | $ 78,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 74,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 23,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 119,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Peoples Trust & Savings Bank 205 E MAIN ST GRAND JUNCTION, IA 50107 |
* | $ 300,516,000 | 1 | $ 88,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 122,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 111,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 66,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 75,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 52,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Bank of Nebraska 7223 SOUTH 84TH ST. LAVISTA, NE 68128 |
* | $ 145,038,000 | 1 | $ 362,000 |
The tables below break down 2016 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 2016
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 | 47 | $6,450,000 | $137,000 | $790,000 | $61,000 | $372,000 |
| Home Purchase | 36 | $2,477,000 | $68,000 | $210,000 | $43,000 | $98,000 |
| Home Improvement | 5 | $91,000 | $18,000 | $37,000 | $88,000 | $119,000 |
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 | 69 | $7,847,000 | $113,000 | $790,000 | $59,000 | $372,000 |
| Not Provided | 12 | $729,000 | $60,000 | $181,000 | $55,000 | $192,000 |
| Not applicable | 6 | $373,000 | $62,000 | $111,000 | $0 | $0 |
| Hispanic | 1 | $69,000 | $69,000 | $69,000 | $88,000 | $88,000 |
| Native Hawaiin 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) | 50 | $5,715,000 | $114,000 | $790,000 | $63,000 | $372,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,086,000 | $63,000 | $108,000 | $43,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,222,000 | $94,000 | $340,000 | $49,000 | $372,000 |
| VA-guaranteed (Veterans Administration) | 8 | $995,000 | $124,000 | $320,000 | $39,000 | $124,000 |
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 | 47 | $5,024,000 | $106,000 | $610,000 | $64,000 | $372,000 |
| Application Denied By Financial Institution | 20 | $1,251,000 | $62,000 | $152,000 | $50,000 | $192,000 |
| Application Withdrawn By Applicant | 9 | $730,000 | $81,000 | $210,000 | $42,000 | $101,000 |
| Loan Purchased By The Institution | 7 | $831,000 | $118,000 | $362,000 | $24,000 | $89,000 |
| File Closed For Incompleteness | 3 | $946,000 | $315,000 | $790,000 | $64,000 | $124,000 |
| Application Approved But Not Accepted | 2 | $236,000 | $118,000 | $150,000 | $45,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $280,000 | $56,000 | $71,000 | $41,000 | $64,000 |
| Credit History | 2 | $61,000 | $30,000 | $45,000 | $125,000 | $192,000 |
| Debt-To-Income Ratio | 1 | $69,000 | $69,000 | $69,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 1 | $47,000 | $47,000 | $47,000 | $27,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $70,000 | $70,000 |
| Other | 1 | $52,000 | $52,000 | $52,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $56,000 | $56,000 | $56,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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