Franklin County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 188 mortgage applications in Franklin County, IA totaling $15.4 million, up 12% from 2011. The average application was for $81,000, and applicants reported an average income of $70,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 26 applications, followed by Green Belt Bank & Trust and Iowa Bankers Mortgage Corporation.
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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 | 188 |
| Total Mortgage Loan Application Amount | $15,388,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $380,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $754,000 |
| 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 | 26 | $ 2,125,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 320,747,000 | 26 | $ 1,588,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 22 | $ 2,330,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 13 | $ 1,249,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 851,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 11 | $ 780,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 8 | $ 671,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 325,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 377,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 283,840,000 | 4 | $ 192,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 4 | $ 218,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 139,845,000 | 3 | $ 82,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 292,000 |
| Liberty Bank F.S.B. 3800 100TH ST URBANDALE, IA 50322 |
* | $ 934,109,000 | 2 | $ 121,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 2 | $ 94,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 151,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 121,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 145,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 98,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 89,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 582,933,000 | 2 | $ 416,000 |
| Peoples Savings Bank PO BOX 248 WELLSBURG, IA 50680 |
* | $ 93,523,000 | 2 | $ 153,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 2 | $ 176,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 60,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 236,027,000 | 1 | $ 65,000 |
| Citizens State Bank 114 W MAIN ST, PO BOX 198 WYOMING, IA 52362 |
* | $ 91,292,000 | 1 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 163,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 132,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 295,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 164,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 108,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 85,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 107,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 54,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 34,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 179,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 65,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 239,475,000 | 1 | $ 96,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 1 | $ 62,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 94,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 860,893,000 | 1 | $ 87,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 50,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 172,261,000 | 1 | $ 88,000 |
| Iowa Community Credit Union 3301 CEDAR HEIGHTS DR CEDAR FALLS, IA 50613 |
* | $ 77,980,000 | 1 | $ 14,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 453,215,000 | 1 | $ 125,000 |
| River Valley Credit Union 2811 E 13TH STREET AMES, IA 50010 |
* | $ 47,342,000 | 1 | $ 10,000 |
The tables below break down 2012 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 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 | 113 | $10,356,000 | $91,000 | $380,000 | $81,000 | $624,000 |
| Home Purchase | 54 | $4,224,000 | $78,000 | $250,000 | $53,000 | $754,000 |
| Home Improvement | 21 | $808,000 | $38,000 | $131,000 | $59,000 | $137,000 |
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 | 138 | $11,547,000 | $83,000 | $380,000 | $76,000 | $754,000 |
| Not Provided | 28 | $2,311,000 | $82,000 | $197,000 | $86,000 | $624,000 |
| Not applicable | 16 | $1,050,000 | $65,000 | $108,000 | $5,000 | $80,000 |
| Hispanic | 4 | $350,000 | $87,000 | $130,000 | $56,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $59,000 | $59,000 | $59,000 | $23,000 | $23,000 |
| Black or African American | 1 | $71,000 | $71,000 | $71,000 | $17,000 | $17,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 138 | $11,328,000 | $82,000 | $380,000 | $81,000 | $754,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,430,000 | $78,000 | $161,000 | $48,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,061,000 | $81,000 | $163,000 | $20,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 6 | $569,000 | $94,000 | $138,000 | $48,000 | $72,000 |
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 | 105 | $8,897,000 | $84,000 | $274,000 | $82,000 | $754,000 |
| Application Denied By Financial Institution | 38 | $2,644,000 | $69,000 | $380,000 | $67,000 | $624,000 |
| Loan Purchased By The Institution | 17 | $1,367,000 | $80,000 | $161,000 | $18,000 | $89,000 |
| Application Withdrawn By Applicant | 16 | $1,453,000 | $90,000 | $295,000 | $65,000 | $300,000 |
| Application Approved But Not Accepted | 9 | $769,000 | $85,000 | $164,000 | $68,000 | $100,000 |
| File Closed For Incompleteness | 3 | $258,000 | $86,000 | $138,000 | $46,000 | $72,000 |
| 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 | 8 | $380,000 | $47,000 | $82,000 | $36,000 | $91,000 |
| Debt-To-Income Ratio | 5 | $231,000 | $46,000 | $80,000 | $35,000 | $60,000 |
| Collateral | 4 | $318,000 | $79,000 | $134,000 | $80,000 | $99,000 |
| Mortgage Insurance Denied | 2 | $239,000 | $119,000 | $157,000 | $48,000 | $55,000 |
| Other | 1 | $66,000 | $66,000 | $66,000 | $96,000 | $96,000 |
| Credit Application Incomplete | 1 | $72,000 | $72,000 | $72,000 | $624,000 | $624,000 |
| Employment History | 1 | $38,000 | $38,000 | $38,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $108,000 | $108,000 | $108,000 | $63,000 | $63,000 |
| 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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