Franklin County, IA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 242 mortgage applications in Franklin County, IA totaling $30.3 million, up 36% from 2020. The average application was for $125,000, and applicants reported an average income of $77,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank NA, with 24 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 | 242 |
| Total Mortgage Loan Application Amount | $30,260,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $815,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $280,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 |
* | $ 1,747,398,000,000 | 24 | $ 2,790,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 494,714,000 | 22 | $ 2,270,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 20 | $ 1,870,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,348,222,000 | 18 | $ 1,480,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 10 | $ 1,150,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,757,174,000 | 8 | $ 950,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 7 | $ 835,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 549,831,000 | 7 | $ 685,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 6 | $ 550,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 1,185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 480,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 4 | $ 1,050,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 570,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 4 | $ 540,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 3 | $ 585,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 595,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 195,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,371,963,000 | 3 | $ 345,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 180,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 2 | $ 240,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 2 | $ 230,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 120,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 370,704,000 | 2 | $ 120,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 2 | $ 510,000 |
| Peoples Bank 12701 UNIVERSITY AVE CLIVE, IA 50325 |
* | $ 341,175,000 | 2 | $ 450,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 2 | $ 320,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 520,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 300,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,888,189,000 | 2 | $ 110,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 420,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 857,609,000 | 2 | $ 100,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 290,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 210,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 678,657,000 | 1 | $ 55,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 65,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,708,246,000 | 1 | $ 195,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 45,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 135,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 529,803,000 | 1 | $ 815,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 177,734,000 | 1 | $ 145,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 145,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 541,944,000 | 1 | $ 155,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 115,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 125,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 55,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 65,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ 304,873,000 | 1 | $ 175,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 125,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 1 | $ 145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 125,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,233,409,000 | 1 | $ 275,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 145,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ 127,148,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 65,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 155,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 65,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,523,369,000 | 1 | $ 325,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 1 | $ 135,000 |
The tables below break down 2021 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 2021
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 | 113 | $14,955,000 | $132,000 | $505,000 | $73,000 | $280,000 |
| Refinancing | 79 | $10,125,000 | $128,000 | $815,000 | $89,000 | $273,000 |
| Cash-out Refinancing | 39 | $4,565,000 | $117,000 | $255,000 | $67,000 | $171,000 |
| Home Improvement | 9 | $395,000 | $43,000 | $75,000 | $89,000 | $160,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Other Purpose | 1 | $115,000 | $115,000 | $115,000 | $71,000 | $71,000 |
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 | 186 | $22,550,000 | $121,000 | $505,000 | $80,000 | $280,000 |
| Not Provided | 25 | $3,635,000 | $145,000 | $425,000 | $77,000 | $209,000 |
| Not applicable | 11 | $2,025,000 | $184,000 | $815,000 | $0 | $0 |
| Hispanic | 11 | $1,095,000 | $99,000 | $255,000 | $38,000 | $88,000 |
| Asian | 3 | $205,000 | $68,000 | $95,000 | $54,000 | $105,000 |
| Black or African American | 2 | $140,000 | $70,000 | $75,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 195 | $24,355,000 | $124,000 | $815,000 | $81,000 | $280,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,910,000 | $111,000 | $265,000 | $47,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,520,000 | $140,000 | $365,000 | $82,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $475,000 | $158,000 | $325,000 | $54,000 | $95,000 |
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 | 149 | $18,895,000 | $126,000 | $815,000 | $82,000 | $280,000 |
| Application Withdrawn By Applicant | 37 | $4,735,000 | $127,000 | $425,000 | $73,000 | $184,000 |
| Application Denied By Financial Institution | 31 | $3,455,000 | $111,000 | $405,000 | $64,000 | $203,000 |
| File Closed For Incompleteness | 15 | $1,765,000 | $117,000 | $185,000 | $74,000 | $158,000 |
| Loan Purchased By The Institution | 8 | $970,000 | $121,000 | $205,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $440,000 | $220,000 | $245,000 | $58,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 185 | $24,095,000 | $130,000 | $815,000 | $76,000 | $260,000 |
| Debt-To-Income Ratio | 35 | $3,705,000 | $105,000 | $255,000 | $91,000 | $280,000 |
| Collateral | 5 | $455,000 | $91,000 | $185,000 | $100,000 | $160,000 |
| Credit Application Incomplete | 5 | $365,000 | $73,000 | $155,000 | $67,000 | $142,000 |
| Credit History | 4 | $460,000 | $115,000 | $205,000 | $70,000 | $120,000 |
| Other | 4 | $520,000 | $130,000 | $325,000 | $43,000 | $95,000 |
| Unverifiable Information | 4 | $660,000 | $165,000 | $405,000 | $52,000 | $79,000 |
| 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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