Franklin County, IA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 168 mortgage applications in Franklin County, IA totaling $14.0 million, down 6% from 2010. The average application was for $83,000, and applicants reported an average income of $58,000. 51% of applications resulted in an originated loan and 22% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 27 applications, followed by Wells Fargo Bank NA and Green Belt Bank & Trust.
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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 | 168 |
| Total Mortgage Loan Application Amount | $14,021,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $340,000 |
| 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 |
* | $ 10,000,000 | 27 | $ 3,052,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 20 | $ 1,520,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 287,540,000 | 13 | $ 597,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 9 | $ 781,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 9 | $ 430,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 8 | $ 754,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 602,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 7 | $ 577,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 300,000 |
| Liberty Bank F.S.B. 3800 100TH ST URBANDALE, IA 50322 |
* | $ 1,076,011,000 | 6 | $ 306,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 5 | $ 352,000 |
| Ackley State Bank 650 MAIN ST BOX 149 ACKLEY, IA 50601 |
* | $ 128,319,000 | 4 | $ 281,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 3 | $ 107,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 132,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 554,688,000 | 2 | $ 60,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 552,671,000 | 2 | $ 881,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 182,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 128,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 323,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 434,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 259,755,000 | 2 | $ 77,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,783,385,000 | 1 | $ 92,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 1,116,851,000 | 1 | $ 25,000 |
| River Valley Credit Union 2811 E 13TH STREET AMES, IA 50010 |
* | $ 45,238,000 | 1 | $ 62,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 139,488,000 | 1 | $ 10,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 113,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 30,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 59,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 171,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 64,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,561,942,000 | 1 | $ 120,000 |
| Peoples Savings Bank PO BOX 248 WELLSBURG, IA 50680 |
* | $ 97,708,000 | 1 | $ 72,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,257,808,000 | 1 | $ 160,000 |
| Security State Bank 933 16TH ST SW WAVERLY, IA 50677 |
* | $ 75,419,000 | 1 | $ 80,000 |
| Security State Bank P O BOX 549 211 E. MAPLE ST. HUBBARD, IA 50122 |
* | $ 58,202,000 | 1 | $ 28,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 157,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 1 | $ 87,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 92,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 161,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 998,891,000 | 1 | $ 104,000 |
The tables below break down 2011 mortgage applications in Franklin 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 Franklin County, IA in 2011
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 | 105 | $10,261,000 | $97,000 | $800,000 | $62,000 | $264,000 |
| Home Purchase | 48 | $3,475,000 | $72,000 | $185,000 | $46,000 | $220,000 |
| Home Improvement | 15 | $285,000 | $19,000 | $63,000 | $71,000 | $340,000 |
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 | 133 | $11,515,000 | $86,000 | $800,000 | $64,000 | $340,000 |
| Not Provided | 15 | $1,168,000 | $77,000 | $300,000 | $47,000 | $102,000 |
| Hispanic | 12 | $682,000 | $56,000 | $82,000 | $36,000 | $51,000 |
| Not applicable | 8 | $656,000 | $82,000 | $185,000 | $7,000 | $35,000 |
| 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) | 115 | $9,397,000 | $81,000 | $397,000 | $69,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 25 | $1,903,000 | $76,000 | $167,000 | $32,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,131,000 | $106,000 | $800,000 | $34,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 8 | $590,000 | $73,000 | $112,000 | $46,000 | $75,000 |
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 | 86 | $7,679,000 | $89,000 | $800,000 | $68,000 | $340,000 |
| Application Denied By Financial Institution | 37 | $2,615,000 | $70,000 | $228,000 | $52,000 | $175,000 |
| Loan Purchased By The Institution | 17 | $1,335,000 | $78,000 | $185,000 | $20,000 | $67,000 |
| Application Withdrawn By Applicant | 16 | $1,131,000 | $70,000 | $171,000 | $58,000 | $264,000 |
| File Closed For Incompleteness | 6 | $783,000 | $130,000 | $300,000 | $54,000 | $76,000 |
| Application Approved But Not Accepted | 6 | $478,000 | $79,000 | $144,000 | $71,000 | $98,000 |
| 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 | 13 | $569,000 | $43,000 | $91,000 | $47,000 | $102,000 |
| Debt-To-Income Ratio | 7 | $528,000 | $75,000 | $190,000 | $52,000 | $135,000 |
| Collateral | 5 | $688,000 | $137,000 | $180,000 | $75,000 | $120,000 |
| Other | 1 | $53,000 | $53,000 | $53,000 | $28,000 | $28,000 |
| Employment History | 1 | $57,000 | $57,000 | $57,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $228,000 | $228,000 | $228,000 | $175,000 | $175,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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