Ida County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 168 mortgage applications in Ida County, IA totaling $16.4 million, down 7% from 2009. The average application was for $97,000, and applicants reported an average income of $84,000. 68% of applications resulted in an originated loan and 14% were denied. The most active lender was American National Bank, with 35 applications, followed by First State Bank and Community Bank.
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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 | 168 |
| Total Mortgage Loan Application Amount | $16,440,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $3,881,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 261,164,000 | 35 | $ 2,187,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 117,320,000 | 31 | $ 2,017,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 81,523,000 | 16 | $ 2,477,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 11 | $ 696,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 10 | $ 711,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 465,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 6 | $ 764,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 656,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 409,064,000 | 5 | $ 666,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 5 | $ 424,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 461,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,682,356,000 | 3 | $ 17,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 172,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 164,025,000 | 2 | $ 618,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 476,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 503,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 788,274,000 | 1 | $ 60,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 631,277,000 | 1 | $ 381,000 |
| Citizens State Bank 114 W MAIN ST, PO BOX 198 WYOMING, IA 52362 |
* | $ 83,765,000 | 1 | $ 433,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 145,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 270,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 98,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 253,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 51,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 71,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 1 | $ 25,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 51,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 70,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,597,000 | 1 | $ 16,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 77,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 155,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 916,477,000 | 1 | $ 80,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 122,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 132,000 |
The tables below break down 2010 mortgage applications in Ida 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 Ida 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 | 111 | $13,589,000 | $122,000 | $565,000 | $68,000 | $356,000 |
| Home Purchase | 42 | $2,598,000 | $61,000 | $300,000 | $136,000 | $3,881,000 |
| Home Improvement | 15 | $253,000 | $16,000 | $50,000 | $60,000 | $112,000 |
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 | 156 | $14,587,000 | $93,000 | $565,000 | $89,000 | $3,881,000 |
| Not Provided | 6 | $510,000 | $85,000 | $132,000 | $44,000 | $74,000 |
| Not applicable | 5 | $1,341,000 | $268,000 | $433,000 | $0 | $0 |
| Black or African American | 1 | $2,000 | $2,000 | $2,000 | $67,000 | $67,000 |
| Hispanic | 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 |
| Asian | 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) | 132 | $13,503,000 | $102,000 | $565,000 | $96,000 | $3,881,000 |
| FHA-insured (Federal Housing Administration) | 29 | $2,440,000 | $84,000 | $155,000 | $44,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 5 | $383,000 | $76,000 | $132,000 | $33,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $114,000 | $57,000 | $83,000 | $29,000 | $59,000 |
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 | 114 | $10,532,000 | $92,000 | $565,000 | $100,000 | $3,881,000 |
| Application Denied By Financial Institution | 23 | $2,590,000 | $112,000 | $433,000 | $49,000 | $203,000 |
| Application Withdrawn By Applicant | 12 | $828,000 | $69,000 | $134,000 | $50,000 | $86,000 |
| Loan Purchased By The Institution | 12 | $1,479,000 | $123,000 | $381,000 | $32,000 | $102,000 |
| File Closed For Incompleteness | 4 | $590,000 | $147,000 | $270,000 | $55,000 | $65,000 |
| Application Approved But Not Accepted | 3 | $421,000 | $140,000 | $253,000 | $125,000 | $200,000 |
| 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 | 6 | $442,000 | $73,000 | $152,000 | $23,000 | $57,000 |
| Debt-To-Income Ratio | 3 | $503,000 | $167,000 | $250,000 | $84,000 | $203,000 |
| Other | 3 | $332,000 | $110,000 | $132,000 | $69,000 | $93,000 |
| Collateral | 2 | $403,000 | $201,000 | $325,000 | $112,000 | $142,000 |
| Employment History | 1 | $39,000 | $39,000 | $39,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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