Hancock County, IA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 412 mortgage applications in Hancock County, IA totaling $32.5 million, down 20% from 2007. The average application was for $78,000, and applicants reported an average income of $59,000. 50% of applications resulted in an originated loan and 26% were denied. The most active lender was Liberty Bank F.S.B., with 110 applications, followed by Iowa Bankers Mortgage Corporat and Countrywide Bank FSB.
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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 | 412 |
| Total Mortgage Loan Application Amount | $32,486,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $354,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,116,000 |
* 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 |
|---|---|---|---|---|
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,071,066,000 | 110 | $ 4,925,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 77 | $ 8,113,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 30 | $ 2,903,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 29 | $ 2,550,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 15 | $ 962,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 13 | $ 1,211,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 906,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 10 | $ 1,044,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 9 | $ 758,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 728,307,000 | 8 | $ 454,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 817,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 409,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 347,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 6 | $ 560,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 629,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 5 | $ 432,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 3 | $ 167,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 406,348,000 | 3 | $ 250,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 3 | $ 283,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 33,000 |
| River Funding Corporation 1580 HERITAGE BLVD SUITE 200 WEST SALEM, WI 54669 |
* | $ 10,000,000 | 3 | $ 222,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 24,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 418,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 416,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 392,000 |
| Community National Bank 422 COMMERCIAL STREET WATERLOO, IA 50701 |
* | $ 305,181,000 | 2 | $ 20,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 204,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 2 | $ 107,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 2 | $ 106,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 2 | $ 220,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 2 | $ 184,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 151,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 47,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 115,987,000 | 1 | $ 1,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 66,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 727,276,000 | 1 | $ 59,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 126,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 121,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 23,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 178,285,000 | 1 | $ 63,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,660,069,000 | 1 | $ 354,000 |
| Bank of Nebraska 7223 SOUTH 84TH ST. LAVISTA, NE 68128 |
* | $ 126,996,000 | 1 | $ 75,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,249,836,000 | 1 | $ 45,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 20,000 |
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 266,139,000 | 1 | $ 149,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 8,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 67,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 80,000 |
The tables below break down 2008 mortgage applications in Hancock 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 Hancock 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 | 237 | $19,682,000 | $83,000 | $312,000 | $58,000 | $429,000 |
| Home Purchase | 120 | $10,317,000 | $85,000 | $225,000 | $62,000 | $1,116,000 |
| Home Improvement | 55 | $2,487,000 | $45,000 | $354,000 | $57,000 | $150,000 |
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 | 375 | $29,506,000 | $78,000 | $354,000 | $59,000 | $1,116,000 |
| Not Provided | 24 | $1,971,000 | $82,000 | $300,000 | $58,000 | $120,000 |
| Not applicable | 10 | $842,000 | $84,000 | $198,000 | $66,000 | $128,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $52,000 | $52,000 |
| Black or African American | 1 | $47,000 | $47,000 | $47,000 | $25,000 | $25,000 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| 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) | 339 | $25,781,000 | $76,000 | $354,000 | $62,000 | $1,116,000 |
| FHA-insured (Federal Housing Administration) | 61 | $5,800,000 | $95,000 | $222,000 | $45,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $688,000 | $68,000 | $125,000 | $36,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 2 | $217,000 | $108,000 | $139,000 | $38,000 | $41,000 |
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 | 206 | $15,280,000 | $74,000 | $354,000 | $68,000 | $1,116,000 |
| Application Denied By Financial Institution | 109 | $9,005,000 | $82,000 | $295,000 | $49,000 | $429,000 |
| Application Approved But Not Accepted | 37 | $3,140,000 | $84,000 | $188,000 | $49,000 | $106,000 |
| Loan Purchased By The Institution | 30 | $2,487,000 | $82,000 | $198,000 | $50,000 | $128,000 |
| Application Withdrawn By Applicant | 26 | $2,249,000 | $86,000 | $300,000 | $55,000 | $165,000 |
| File Closed For Incompleteness | 4 | $325,000 | $81,000 | $138,000 | $58,000 | $76,000 |
| 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 History | 37 | $2,646,000 | $71,000 | $155,000 | $45,000 | $110,000 |
| Debt-To-Income Ratio | 15 | $1,807,000 | $120,000 | $295,000 | $49,000 | $95,000 |
| Collateral | 14 | $959,000 | $68,000 | $154,000 | $44,000 | $88,000 |
| Credit Application Incomplete | 3 | $152,000 | $50,000 | $78,000 | $37,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $105,000 | $52,000 | $58,000 | $29,000 | $33,000 |
| Unverifiable Information | 2 | $256,000 | $128,000 | $216,000 | $51,000 | $63,000 |
| Other | 1 | $57,000 | $57,000 | $57,000 | $58,000 | $58,000 |
| Employment History | 1 | $47,000 | $47,000 | $47,000 | $25,000 | $25,000 |
| 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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