Ida County, IA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 260 mortgage applications in Ida County, IA totaling $24.6 million, up 55% from 2010. The average application was for $94,000, and applicants reported an average income of $63,000. 75% of applications resulted in an originated loan and 10% were denied. The most active lender was United Bank of Iowa, with 117 applications, followed by First State Bank and Embrace Home Loans, Inc..
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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 | 260 |
| Total Mortgage Loan Application Amount | $24,584,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $421,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,111,772,000 | 117 | $ 8,272,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 118,474,000 | 29 | $ 1,600,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 1,212,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 118,591,000 | 14 | $ 1,156,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 494,772,000 | 10 | $ 1,243,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 10 | $ 746,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 9 | $ 1,099,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 432,050,000 | 8 | $ 871,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 7 | $ 453,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 4 | $ 628,000 |
| First National Bank 111 CENTRAL AVE NW LE MARS, IA 51031 |
* | $ 243,577,000 | 3 | $ 1,205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 2 | $ 157,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 189,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 417,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 527,245,000 | 1 | $ 2,300,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 205,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 1 | $ 30,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 1 | $ 38,000 |
| Valley Bank & Trust 401 MAIN STREET MAPLETON, IA 51034 |
* | $ 60,141,000 | 1 | $ 260,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 191,267,000 | 1 | $ 44,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 63,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 72,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 65,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 288,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 450,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 95,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 1 | $ 79,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 48,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 79,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 43,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 132,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 90,000 |
| First National Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 179,117,000 | 1 | $ 160,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 165,000 |
The tables below break down 2011 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 2011
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 | 170 | $17,553,000 | $103,000 | $2,300,000 | $63,000 | $421,000 |
| Home Purchase | 63 | $5,948,000 | $94,000 | $450,000 | $60,000 | $288,000 |
| Home Improvement | 27 | $1,083,000 | $40,000 | $165,000 | $64,000 | $210,000 |
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 | 241 | $19,337,000 | $80,000 | $680,000 | $64,000 | $421,000 |
| Not Provided | 11 | $1,187,000 | $107,000 | $288,000 | $65,000 | $201,000 |
| Not applicable | 7 | $3,997,000 | $571,000 | $2,300,000 | $10,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $63,000 | $63,000 | $63,000 | $36,000 | $36,000 |
| 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 |
| Hispanic | 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 | $20,981,000 | $98,000 | $2,300,000 | $68,000 | $421,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,120,000 | $75,000 | $205,000 | $38,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,260,000 | $78,000 | $146,000 | $37,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 2 | $223,000 | $111,000 | $158,000 | $81,000 | $82,000 |
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 | 194 | $18,739,000 | $96,000 | $2,300,000 | $66,000 | $421,000 |
| Application Withdrawn By Applicant | 27 | $2,180,000 | $80,000 | $288,000 | $50,000 | $118,000 |
| Application Denied By Financial Institution | 26 | $2,173,000 | $83,000 | $450,000 | $54,000 | $226,000 |
| Loan Purchased By The Institution | 11 | $1,362,000 | $123,000 | $417,000 | $57,000 | $288,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $92,000 | $67,000 | $80,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8 | $466,000 | $58,000 | $165,000 | $40,000 | $76,000 |
| Debt-To-Income Ratio | 5 | $881,000 | $176,000 | $450,000 | $120,000 | $226,000 |
| Employment History | 2 | $112,000 | $56,000 | $68,000 | $40,000 | $50,000 |
| Collateral | 2 | $173,000 | $86,000 | $108,000 | $73,000 | $80,000 |
| Credit Application Incomplete | 2 | $125,000 | $62,000 | $75,000 | $11,000 | $23,000 |
| Other | 1 | $27,000 | $27,000 | $27,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $20,000 | $20,000 | $20,000 | $8,000 | $8,000 |
| 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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