Fremont County, IA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 283 mortgage applications in Fremont County, IA totaling $27.7 million, up 23% from 2011. The average application was for $97,000, and applicants reported an average income of $61,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Great Western Bank, with 49 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 283
Total Mortgage Loan Application Amount $27,708,000
Average Mortgage Loan Application Amount $97,000
Highest Mortgage Loan Application Amount $417,000
Average Applicant Income $61,000
Highest Applicant Income $395,000

Mortgage Company List for Lending in Fremont County, IA for 2012

* 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
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 8,458,002,000 49 $ 4,353,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 40 $ 3,718,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 13 $ 1,101,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 13 $ 1,310,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 11 $ 1,196,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ 10,000,000 11 $ 1,273,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 11 $ 1,235,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 9 $ 902,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ 1,928,109,000 8 $ 689,000
Bank Iowa
1150 JORDAN CREEK PARKWAY
WEST DES MOINES, IA 50266
* $ 1,089,899,000 8 $ 846,000
Glenwood State Bank
32 N WALNUT ST/PO BOX 431
GLENWOOD, IA 51534
* $ 148,973,000 8 $ 439,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 13,433,098,000 7 $ 396,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 6 $ 448,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ 204,527,000 6 $ 1,064,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 5,553,220,000 4 $ 287,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 446,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 4 $ 229,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 4 $ 502,000
Cobalt Credit Union
7148 TOWNE CENTER PARKWAY
PAPILLION, NE 68046
* $ 560,750,000 4 $ 244,000
Lincoln Savings Bank
301 WASHINGTON ST
REINBECK, IA 50669
* $ 582,933,000 3 $ 228,000
Heartland Community Bank
PO BOX 186
WEEPING WATER, NE 68463
* $ 56,369,000 3 $ 205,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 3 $ 342,000
Centris Federal Credit Union
11825 Q STREET
OMAHA, NE 68144
* $ 459,012,000 3 $ 414,000
First Nebraska Bank
330 N. SPRUCE STREET, PO BOX 315
VALLEY, NE 68064
* $ 178,145,000 2 $ 74,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 261,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 244,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 2 $ 184,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 2 $ 174,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 179,000
Bank of Nebraska
7223 SOUTH 84TH ST.
LAVISTA, NE 68128
* $ 120,941,000 2 $ 175,000
Community Choice Credit Union
1351 NW 114TH ST, P.O. BOX 71247
JOHNSTON, IA 50131
* $ 334,723,000 1 $ 152,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 6,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ 10,000,000 1 $ 116,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 148,000
Malvern Bank
404 MAIN STREET
MALVERN, IA 51551
* $ 58,938,000 1 $ 120,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 103,931,000 1 $ 90,000
Dundee Bank
5015 UNDERWOOD AVE
OMAHA, NE 68132
* $ 112,198,000 1 $ 64,000
Availa Bank
126 W 6TH ST
CARROLL, IA 51401
* $ 352,911,000 1 $ 65,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 2,481,611,000 1 $ 6,000
Dayspring Bank
914 LAKE AVENUE
GOTHENBURG, NE 69138
* $ 290,722,000 1 $ 72,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 112,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 163,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 134,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 21,000
Midstates Bank NA
1851 MADISON AVE., STE. 732
COUNCIL BLUFFS, IA 51503
* $ 335,089,000 1 $ 297,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 85,000
First American Bank
1207 CENTRAL AVE
FORT DODGE, IA 50501
* $ 1,369,830,000 1 $ 3,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 417,673,000 1 $ 160,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 149,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 51,000
Core Bank
12100 W CENTER RD
OMAHA, NE 68118
* $ 74,717,000 1 $ 107,000
Dundee Mortgage LLC
5015 UNDERWOOD AVENUE
OMAHA, NE 68132
* $ 112,198,000 1 $ 62,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 67,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 1 $ 246,000
Lincoln Federal Svgs Bk of Ne
1101 N STREET
LINCOLN, NE 68520
* $ 331,945,000 1 $ 208,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 74,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 863,794,000 1 $ 144,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 389,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 79,000

The tables below break down 2012 mortgage applications in Fremont 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 Fremont 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 183 $20,277,000 $110,000 $417,000 $68,000 $395,000
Home Purchase 76 $6,477,000 $85,000 $365,000 $46,000 $178,000
Home Improvement 24 $954,000 $39,000 $145,000 $54,000 $154,000

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 220 $21,042,000 $95,000 $417,000 $67,000 $395,000
Not applicable 32 $3,646,000 $113,000 $385,000 $13,000 $250,000
Not Provided 28 $2,786,000 $99,000 $264,000 $73,000 $165,000
Hispanic 3 $234,000 $78,000 $90,000 $53,000 $59,000
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) 214 $21,414,000 $100,000 $417,000 $70,000 $395,000
FHA-insured (Federal Housing Administration) 38 $3,529,000 $92,000 $264,000 $38,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $1,231,000 $76,000 $112,000 $29,000 $62,000
VA-guaranteed (Veterans Administration) 15 $1,534,000 $102,000 $246,000 $29,000 $147,000

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 162 $16,510,000 $101,000 $389,000 $68,000 $395,000
Application Denied By Financial Institution 43 $3,526,000 $82,000 $360,000 $60,000 $142,000
Loan Purchased By The Institution 42 $4,037,000 $96,000 $233,000 $31,000 $250,000
Application Approved But Not Accepted 17 $1,693,000 $99,000 $417,000 $73,000 $144,000
Application Withdrawn By Applicant 15 $1,599,000 $106,000 $200,000 $55,000 $140,000
File Closed For Incompleteness 4 $343,000 $85,000 $108,000 $74,000 $104,000
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
Collateral 14 $1,427,000 $101,000 $360,000 $66,000 $108,000
Credit History 5 $440,000 $88,000 $240,000 $83,000 $142,000
Debt-To-Income Ratio 3 $304,000 $101,000 $157,000 $48,000 $83,000
Other 3 $255,000 $85,000 $106,000 $51,000 $88,000
Unverifiable Information 1 $120,000 $120,000 $120,000 $62,000 $62,000
Credit Application Incomplete 1 $40,000 $40,000 $40,000 $59,000 $59,000
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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