Hamilton County, IA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 510 mortgage applications in Hamilton County, IA totaling $53.5 million, down 34% from 2007. The average application was for $104,000, and applicants reported an average income of $65,000. 45% of applications resulted in an originated loan and 27% were denied. The most active lender was Beneficial Company LLC, with 53 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Bank, NA.
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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 | 510 |
| Total Mortgage Loan Application Amount | $53,476,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $6,800,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,968,000 |
Top Mortgage Lenders in Hamilton County, IA (2008)
Ranked by the number of mortgage applications each lender reported in Hamilton County, IA in 2008.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Beneficial Company LLC Mettawa, IL |
53 | $4,882,000 | $92,000 | $71,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
44 | $10,896,000 | $247,000 | $43,000 |
| 3 | Wells Fargo Bank, NA Des Moines, IA |
42 | $4,381,000 | $104,000 | $68,000 |
| 4 | First American Bank Fort Dodge, IA |
29 | $1,514,000 | $52,000 | $39,000 |
| 5 | Countrywide Bank FSB Westlake Village, CA |
26 | $1,874,000 | $72,000 | $42,000 |
| 6 | Iowa Bankers Mortgage Corporat Johnston, IA |
26 | $2,914,000 | $112,000 | $67,000 |
| 7 | Ames Community Bank Ames, IA |
25 | $1,106,000 | $44,000 | $57,000 |
| 8 | Embrace Home Loans, Inc. Middletown, RI |
22 | $2,340,000 | $106,000 | $55,000 |
| 9 | First Federal Savings Bank Ia Fort Dodge, IA |
18 | $1,366,000 | $75,000 | $62,000 |
| 10 | Hfc Company LLC Mettawa, IL |
12 | $1,295,000 | $107,000 | $52,000 |
The tables below break down 2008 mortgage applications in Hamilton 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 Hamilton County, IA in 2008
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 | 277 | $34,615,000 | $124,000 | $6,800,000 | $71,000 | $1,968,000 |
| Home Purchase | 157 | $13,296,000 | $84,000 | $292,000 | $57,000 | $300,000 |
| Home Improvement | 76 | $5,565,000 | $73,000 | $1,500,000 | $63,000 | $252,000 |
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 | 427 | $39,935,000 | $93,000 | $1,500,000 | $69,000 | $1,968,000 |
| Not Provided | 47 | $10,509,000 | $223,000 | $6,800,000 | $48,000 | $183,000 |
| Not applicable | 21 | $1,770,000 | $84,000 | $217,000 | $32,000 | $300,000 |
| Asian | 6 | $384,000 | $64,000 | $96,000 | $58,000 | $98,000 |
| Hispanic | 6 | $667,000 | $111,000 | $193,000 | $100,000 | $250,000 |
| Black or African American | 3 | $211,000 | $70,000 | $126,000 | $50,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 394 | $41,698,000 | $105,000 | $6,800,000 | $70,000 | $1,968,000 |
| FHA-insured (Federal Housing Administration) | 79 | $8,542,000 | $108,000 | $274,000 | $55,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $2,560,000 | $77,000 | $207,000 | $35,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 4 | $676,000 | $169,000 | $185,000 | $69,000 | $76,000 |
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 | 231 | $18,885,000 | $81,000 | $356,000 | $71,000 | $1,968,000 |
| Application Denied By Financial Institution | 138 | $18,544,000 | $134,000 | $6,800,000 | $61,000 | $776,000 |
| Application Withdrawn By Applicant | 66 | $8,361,000 | $126,000 | $1,500,000 | $67,000 | $300,000 |
| Loan Purchased By The Institution | 46 | $4,666,000 | $101,000 | $356,000 | $46,000 | $300,000 |
| Application Approved But Not Accepted | 17 | $1,601,000 | $94,000 | $207,000 | $55,000 | $98,000 |
| File Closed For Incompleteness | 12 | $1,419,000 | $118,000 | $260,000 | $83,000 | $250,000 |
| 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 | 21 | $2,531,000 | $120,000 | $417,000 | $109,000 | $776,000 |
| Credit History | 19 | $7,815,000 | $411,000 | $6,800,000 | $48,000 | $120,000 |
| Credit Application Incomplete | 11 | $1,033,000 | $93,000 | $150,000 | $47,000 | $106,000 |
| Debt-To-Income Ratio | 10 | $794,000 | $79,000 | $173,000 | $34,000 | $95,000 |
| Other | 6 | $523,000 | $87,000 | $146,000 | $73,000 | $105,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 1 | $28,000 | $28,000 | $28,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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