Floyd County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 215 mortgage applications in Floyd County, IA totaling $18.1 million, up 7% from 2011. The average application was for $84,000, and applicants reported an average income of $58,000. 52% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 45 applications, followed by State Bank and Consumer Loan Services, 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 | 215 |
| Total Mortgage Loan Application Amount | $18,132,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $670,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $547,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 45 | $ 3,645,000 |
| State Bank 25 N. CHESTNUT AVE NEW HAMPTON, IA 50659 |
* | $ 337,297,000 | 24 | $ 1,090,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 12 | $ 916,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 12 | $ 910,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 961,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 9 | $ 596,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 9 | $ 684,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 8 | $ 823,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 8 | $ 621,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 5 | $ 447,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 582,933,000 | 5 | $ 959,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 509,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 4 | $ 295,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 269,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 3 | $ 459,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 303,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 320,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 3 | $ 304,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 326,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 263,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 287,837,000 | 2 | $ 191,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 2 | $ 340,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 341,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,089,899,000 | 2 | $ 103,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 616,985,000 | 2 | $ 157,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 2 | $ 135,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 453,215,000 | 2 | $ 38,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 30,000 |
| American Savings Bank 312 S. MAIN ST., PO BOX 909 TRIPOLI, IA 50676 |
* | $ 50,921,000 | 1 | $ 47,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 44,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 1 | $ 167,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 125,000 |
| Merck Employees FCU 126 E. LINCOLN AVENUE RAHWAY, NJ 07065 |
* | $ 1,681,634,000 | 1 | $ 7,000 |
| Community National Bank 422 COMMERCIAL STREET WATERLOO, IA 50701 |
* | $ 225,082,000 | 1 | $ 68,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 127,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 235,866,000 | 1 | $ 7,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 154,418,000 | 1 | $ 56,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 38,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 52,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 85,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 426,033,000 | 1 | $ 19,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 60,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 92,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 83,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 93,000 |
The tables below break down 2012 mortgage applications in Floyd 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 Floyd 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 | 130 | $11,980,000 | $92,000 | $670,000 | $63,000 | $381,000 |
| Home Purchase | 76 | $5,999,000 | $78,000 | $236,000 | $52,000 | $547,000 |
| Home Improvement | 9 | $153,000 | $17,000 | $65,000 | $44,000 | $113,000 |
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 | 175 | $14,655,000 | $83,000 | $670,000 | $57,000 | $381,000 |
| Not Provided | 20 | $1,557,000 | $77,000 | $227,000 | $79,000 | $547,000 |
| Not applicable | 15 | $1,560,000 | $104,000 | $225,000 | $35,000 | $240,000 |
| Asian | 2 | $197,000 | $98,000 | $116,000 | $142,000 | $240,000 |
| Hispanic | 2 | $95,000 | $47,000 | $65,000 | $33,000 | $41,000 |
| Black or African American | 1 | $68,000 | $68,000 | $68,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 140 | $11,500,000 | $82,000 | $670,000 | $72,000 | $547,000 |
| FHA-insured (Federal Housing Administration) | 50 | $4,571,000 | $91,000 | $227,000 | $33,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,521,000 | $76,000 | $105,000 | $32,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 5 | $540,000 | $108,000 | $170,000 | $23,000 | $68,000 |
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 | 112 | $9,643,000 | $86,000 | $670,000 | $63,000 | $240,000 |
| Loan Purchased By The Institution | 39 | $3,401,000 | $87,000 | $225,000 | $44,000 | $240,000 |
| Application Denied By Financial Institution | 30 | $2,170,000 | $72,000 | $212,000 | $55,000 | $547,000 |
| Application Withdrawn By Applicant | 22 | $1,800,000 | $81,000 | $227,000 | $47,000 | $108,000 |
| Application Approved But Not Accepted | 7 | $676,000 | $96,000 | $137,000 | $102,000 | $381,000 |
| File Closed For Incompleteness | 5 | $442,000 | $88,000 | $147,000 | $70,000 | $120,000 |
| 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 | 6 | $325,000 | $54,000 | $112,000 | $20,000 | $43,000 |
| Collateral | 5 | $440,000 | $88,000 | $105,000 | $53,000 | $65,000 |
| Debt-To-Income Ratio | 4 | $409,000 | $102,000 | $176,000 | $36,000 | $46,000 |
| Other | 2 | $61,000 | $30,000 | $53,000 | $41,000 | $60,000 |
| Unverifiable Information | 1 | $26,000 | $26,000 | $26,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 1 | $147,000 | $147,000 | $147,000 | $547,000 | $547,000 |
| Mortgage Insurance Denied | 1 | $160,000 | $160,000 | $160,000 | $66,000 | $66,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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