Franklin County, IA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 141 mortgage applications in Franklin County, IA totaling $13.1 million, up 6% from 2014. The average application was for $92,000, and applicants reported an average income of $61,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank NA, with 16 applications, followed by Green Belt Bank & Trust and US Bank, N.A..
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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 | 141 |
| Total Mortgage Loan Application Amount | $13,084,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $421,000 |
| 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 |
* | $ 1,532,784,000,000 | 16 | $ 1,507,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 391,689,000 | 15 | $ 2,127,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 13 | $ 1,291,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,640,538,000 | 10 | $ 289,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 8 | $ 757,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 6 | $ 952,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 5 | $ 296,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 480,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 128,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 287,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 146,069,000 | 3 | $ 259,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 303,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 242,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 41,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 164,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 158,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 152,743,000 | 2 | $ 292,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 816,748,000 | 1 | $ 270,000 |
| Farmers State Bank 1240 8TH AVE MARION, IA 52302 |
* | $ 676,969,000 | 1 | $ 90,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 187,860,000 | 1 | $ 55,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 93,291,000 | 1 | $ 25,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 88,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 34,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 88,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,270,132,000 | 1 | $ 74,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 88,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 85,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 79,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 324,155,000 | 1 | $ 66,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 354,329,000 | 1 | $ 120,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 131,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 87,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 62,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 120,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 134,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 655,141,000 | 1 | $ 38,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 996,226,000 | 1 | $ 39,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,078,478,000 | 1 | $ 101,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 73,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 170,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 409,705,000 | 1 | $ 100,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 145,364,000 | 1 | $ 34,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 1 | $ 62,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 51,000 |
The tables below break down 2015 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 2015
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 65 | $5,859,000 | $90,000 | $270,000 | $46,000 | $100,000 |
| Refinancing | 60 | $6,601,000 | $110,000 | $885,000 | $74,000 | $421,000 |
| Home Improvement | 16 | $624,000 | $39,000 | $125,000 | $74,000 | $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 | 112 | $10,500,000 | $93,000 | $885,000 | $66,000 | $421,000 |
| Not applicable | 14 | $1,214,000 | $86,000 | $134,000 | $28,000 | $100,000 |
| Hispanic | 8 | $564,000 | $70,000 | $117,000 | $48,000 | $87,000 |
| Not Provided | 7 | $806,000 | $115,000 | $250,000 | $66,000 | $92,000 |
| 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) | 88 | $8,398,000 | $95,000 | $885,000 | $71,000 | $421,000 |
| FHA-insured (Federal Housing Administration) | 32 | $2,810,000 | $87,000 | $270,000 | $48,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,253,000 | $83,000 | $129,000 | $33,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 6 | $623,000 | $103,000 | $160,000 | $64,000 | $78,000 |
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 | 79 | $7,248,000 | $91,000 | $885,000 | $65,000 | $421,000 |
| Application Withdrawn By Applicant | 22 | $1,810,000 | $82,000 | $250,000 | $58,000 | $120,000 |
| Application Denied By Financial Institution | 21 | $2,340,000 | $111,000 | $285,000 | $67,000 | $157,000 |
| Loan Purchased By The Institution | 14 | $1,181,000 | $84,000 | $134,000 | $33,000 | $100,000 |
| Application Approved But Not Accepted | 4 | $394,000 | $98,000 | $170,000 | $60,000 | $161,000 |
| File Closed For Incompleteness | 1 | $111,000 | $111,000 | $111,000 | $93,000 | $93,000 |
| 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 Application Incomplete | 5 | $608,000 | $121,000 | $210,000 | $92,000 | $134,000 |
| Collateral | 4 | $664,000 | $166,000 | $285,000 | $84,000 | $157,000 |
| Other | 2 | $153,000 | $76,000 | $108,000 | $38,000 | $48,000 |
| Unverifiable Information | 2 | $138,000 | $69,000 | $83,000 | $44,000 | $47,000 |
| Credit History | 1 | $42,000 | $42,000 | $42,000 | $45,000 | $45,000 |
| Debt-To-Income Ratio | 1 | $19,000 | $19,000 | $19,000 | $76,000 | $76,000 |
| 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 |
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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