Hamilton County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 397 mortgage applications in Hamilton County, IA totaling $39.4 million, down 23% from 2009. The average application was for $99,000, and applicants reported an average income of $62,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank, NA, with 60 applications, followed by First American Bank and Iowa Bankers Mortgage Corporat.
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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 | 397 |
| Total Mortgage Loan Application Amount | $39,441,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $540,000 |
Top Mortgage Lenders in Hamilton County, IA (2010)
Ranked by the number of mortgage applications each lender reported in Hamilton County, IA in 2010.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank, NA Winston-Salem, NC |
60 | $6,289,000 | $104,000 | $80,000 |
| 2 | First American Bank Fort Dodge, IA |
46 | $4,437,000 | $96,000 | $28,000 |
| 3 | Iowa Bankers Mortgage Corporat Johnston, IA |
31 | $3,751,000 | $121,000 | $78,000 |
| 4 | Bank of America, N.A. Calabasas, CA |
29 | $2,916,000 | $100,000 | $56,000 |
| 5 | Embrace Home Loans, Inc. Middletown, RI |
21 | $1,635,000 | $77,000 | $44,000 |
| 6 | Visionbank of Iowa Ames, IA |
16 | $832,000 | $52,000 | $56,000 |
| 7 | US Bank, N.A. Milwaukee, WI |
14 | $1,297,000 | $92,000 | $15,000 |
| 8 | Greater Iowa Credit Union Ames, IA |
14 | $597,000 | $42,000 | $59,000 |
| 9 | PHH Mortgage Corporation West Palm Beach, FL |
11 | $1,406,000 | $127,000 | $63,000 |
| 10 | Nationwide Advantage Mortgage Des Moines, IA |
10 | $1,036,000 | $103,000 | $86,000 |
The tables below break down 2010 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 2010
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 | 266 | $29,584,000 | $111,000 | $1,250,000 | $64,000 | $540,000 |
| Home Purchase | 93 | $8,624,000 | $92,000 | $246,000 | $54,000 | $410,000 |
| Home Improvement | 38 | $1,233,000 | $32,000 | $178,000 | $69,000 | $141,000 |
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 | 333 | $32,321,000 | $97,000 | $450,000 | $66,000 | $540,000 |
| Not Provided | 37 | $3,442,000 | $93,000 | $240,000 | $55,000 | $140,000 |
| Not applicable | 20 | $3,223,000 | $161,000 | $1,250,000 | $5,000 | $105,000 |
| Hispanic | 4 | $149,000 | $37,000 | $88,000 | $35,000 | $75,000 |
| Asian | 3 | $306,000 | $102,000 | $142,000 | $167,000 | $410,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 264 | $26,205,000 | $99,000 | $1,250,000 | $69,000 | $540,000 |
| FHA-insured (Federal Housing Administration) | 96 | $9,473,000 | $98,000 | $264,000 | $53,000 | $277,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,771,000 | $88,000 | $156,000 | $26,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 17 | $1,992,000 | $117,000 | $230,000 | $41,000 | $105,000 |
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 | 197 | $18,549,000 | $94,000 | $450,000 | $73,000 | $540,000 |
| Application Denied By Financial Institution | 78 | $8,239,000 | $105,000 | $1,250,000 | $58,000 | $410,000 |
| Application Withdrawn By Applicant | 58 | $5,832,000 | $100,000 | $247,000 | $46,000 | $210,000 |
| Loan Purchased By The Institution | 43 | $4,309,000 | $100,000 | $355,000 | $36,000 | $120,000 |
| Application Approved But Not Accepted | 14 | $1,796,000 | $128,000 | $246,000 | $77,000 | $158,000 |
| File Closed For Incompleteness | 7 | $716,000 | $102,000 | $158,000 | $52,000 | $97,000 |
| 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 | 19 | $2,256,000 | $118,000 | $263,000 | $70,000 | $113,000 |
| Debt-To-Income Ratio | 13 | $1,367,000 | $105,000 | $146,000 | $41,000 | $141,000 |
| Credit History | 12 | $686,000 | $57,000 | $122,000 | $53,000 | $100,000 |
| Other | 7 | $1,657,000 | $236,000 | $1,250,000 | $114,000 | $410,000 |
| Credit Application Incomplete | 2 | $414,000 | $207,000 | $264,000 | $156,000 | $167,000 |
| Employment History | 1 | $94,000 | $94,000 | $94,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 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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