Ackley State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Ackley State Bank 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ackley State Bank 650 Main St Ackley, IA 50601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 472 |
| Total Mortgage Loan Application Amount | $52,567,000 |
| Average Mortgage Loan Application Amount | $89,333 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $66,333 |
| Highest Applicant Income | $642,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Ackley State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ackley State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Ackley State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ackley State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ackley State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ackley State Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hardin County Iowa | 88 | $ 7,047,000 | $ 80,000 | $ 70,000 |
| Story County Iowa | 46 | $ 5,494,000 | $ 119,000 | $ 73,000 |
| Linn County Iowa | 28 | $ 3,661,000 | $ 130,000 | $ 60,000 |
| Black Hawk County Iowa | 22 | $ 2,334,000 | $ 106,000 | $ 54,000 |
| O'Brien County Iowa | 19 | $ 2,086,000 | $ 109,000 | $ 68,000 |
| Grundy County Iowa | 18 | $ 2,196,000 | $ 122,000 | $ 58,000 |
| Rock County Minnesota | 17 | $ 2,085,000 | $ 122,000 | $ 67,000 |
| Franklin County Iowa | 13 | $ 1,249,000 | $ 96,000 | $ 60,000 |
| Dickinson County Iowa | 12 | $ 2,345,000 | $ 195,000 | $ 92,000 |
| Bremer County Iowa | 10 | $ 1,195,000 | $ 119,000 | $ 64,000 |
| Davis County Iowa | 10 | $ 1,078,000 | $ 107,000 | $ 59,000 |
| Lyon County Iowa | 9 | $ 620,000 | $ 68,000 | $ 54,000 |
| Webster County Iowa | 9 | $ 1,176,000 | $ 130,000 | $ 47,000 |
| Benton County Iowa | 8 | $ 1,064,000 | $ 133,000 | $ 71,000 |
| Polk County Iowa | 8 | $ 1,075,000 | $ 134,000 | $ 98,000 |
| Tama County Iowa | 8 | $ 569,000 | $ 71,000 | $ 48,000 |
| Butler County Iowa | 7 | $ 1,156,000 | $ 165,000 | $ 97,000 |
| Jones County Iowa | 7 | $ 797,000 | $ 113,000 | $ 54,000 |
| Boone County Iowa | 6 | $ 757,000 | $ 126,000 | $ 70,000 |
| Hamilton County Iowa | 6 | $ 684,000 | $ 114,000 | $ 95,000 |
| Howard County Iowa | 6 | $ 385,000 | $ 64,000 | $ 32,000 |
| Buchanan County Iowa | 5 | $ 529,000 | $ 105,000 | $ 56,000 |
| Cerro Gordo County Iowa | 5 | $ 706,000 | $ 141,000 | $ 242,000 |
| Cherokee County Iowa | 5 | $ 409,000 | $ 81,000 | $ 39,000 |
| Calhoun County Iowa | 4 | $ 275,000 | $ 68,000 | $ 68,000 |
| Cedar County Iowa | 4 | $ 433,000 | $ 108,000 | $ 42,000 |
| Delaware County Iowa | 4 | $ 481,000 | $ 120,000 | $ 69,000 |
| Fayette County Iowa | 4 | $ 443,000 | $ 110,000 | $ 54,000 |
| Humboldt County Iowa | 4 | $ 396,000 | $ 99,000 | $ 53,000 |
| Poweshiek County Iowa | 4 | $ 331,000 | $ 82,000 | $ 46,000 |
| Van Buren County Iowa | 4 | $ 290,000 | $ 72,000 | $ 32,000 |
| Winneshiek County Iowa | 4 | $ 362,000 | $ 90,000 | $ 36,000 |
| Worth County Iowa | 4 | $ 511,000 | $ 127,000 | $ 82,000 |
| Greene County Iowa | 3 | $ 278,000 | $ 92,000 | $ 27,000 |
| Johnson County Iowa | 3 | $ 527,000 | $ 175,000 | $ 69,000 |
| Osceola County Iowa | 3 | $ 386,000 | $ 128,000 | $ 101,000 |
| Page County Iowa | 3 | $ 180,000 | $ 60,000 | $ 63,000 |
| Sioux County Iowa | 3 | $ 321,000 | $ 107,000 | $ 61,000 |
| Rice County Minnesota | 3 | $ 344,000 | $ 114,000 | $ 46,000 |
| Chickasaw County Iowa | 2 | $ 278,000 | $ 139,000 | $ 75,000 |
| Clay County Iowa | 2 | $ 298,000 | $ 149,000 | $ 70,000 |
| Dallas County Iowa | 2 | $ 410,000 | $ 205,000 | $ 152,000 |
| Des Moines County Iowa | 2 | $ 251,000 | $ 125,000 | $ 84,000 |
| Floyd County Iowa | 2 | $ 135,000 | $ 67,000 | $ 25,000 |
| Iowa County Iowa | 2 | $ 436,000 | $ 218,000 | $ 162,000 |
| Jasper County Iowa | 2 | $ 235,000 | $ 117,000 | $ 44,000 |
| Jefferson County Iowa | 2 | $ 220,000 | $ 110,000 | $ 44,000 |
| Marshall County Iowa | 2 | $ 388,000 | $ 194,000 | $ 90,000 |
| Mitchell County Iowa | 2 | $ 218,000 | $ 109,000 | $ 74,000 |
| Plymouth County Iowa | 2 | $ 237,000 | $ 118,000 | $ 67,000 |
| Warren County Iowa | 2 | $ 228,000 | $ 114,000 | $ 46,000 |
| Martin County Minnesota | 2 | $ 136,000 | $ 68,000 | $ 60,000 |
| Chatham County Georgia | 1 | $ 215,000 | $ 215,000 | $ 143,000 |
| Cook County Illinois | 1 | $ 350,000 | $ 350,000 | $ 559,000 |
| Allamakee County Iowa | 1 | $ 78,000 | $ 78,000 | $ 53,000 |
| Carroll County Iowa | 1 | $ 83,000 | $ 83,000 | $ 56,000 |
| Clayton County Iowa | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Clinton County Iowa | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Dubuque County Iowa | 1 | $ 222,000 | $ 222,000 | $ 81,000 |
| Henry County Iowa | 1 | $ 116,000 | $ 116,000 | $ 64,000 |
| Keokuk County Iowa | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Kossuth County Iowa | 1 | $ 82,000 | $ 82,000 | $ 50,000 |
| Mills County Iowa | 1 | $ 120,000 | $ 120,000 | $ 70,000 |
| Palo Alto County Iowa | 1 | $ 200,000 | $ 200,000 | $ 562,000 |
| Scott County Iowa | 1 | $ 89,000 | $ 89,000 | $ 51,000 |
| Woodbury County Iowa | 1 | $ 90,000 | $ 90,000 | $ 67,000 |
| Wright County Iowa | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Nobles County Minnesota | 1 | $ 144,000 | $ 144,000 | $ 61,000 |
| Olmsted County Minnesota | 1 | $ 171,000 | $ 171,000 | $ 89,000 |
| Camden County Missouri | 1 | $ 260,000 | $ 260,000 | $ 211,000 |
| Cape Girardeau County Missouri | 1 | $ 137,000 | $ 137,000 | $ 69,000 |
| Minnehaha County South Dakota | 1 | $ 200,000 | $ 200,000 | $ 157,000 |
Mortgage Loan Application Detail Totals for Ackley State Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 236 | $22,146,000 | $93,000 | $363,000 | $53,000 | $200,000 |
| Refinancing | 231 | $30,194,000 | $130,000 | $417,000 | $88,000 | $642,000 |
| Home Improvement | 5 | $227,000 | $45,000 | $76,000 | $58,000 | $96,000 |
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 | 456 | $50,566,000 | $110,000 | $417,000 | $69,000 | $642,000 |
| Not Provided | 10 | $1,097,000 | $109,000 | $215,000 | $56,000 | $143,000 |
| Not applicable | 3 | $446,000 | $148,000 | $243,000 | $52,000 | $158,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $45,000 | $45,000 |
| Asian | 1 | $350,000 | $350,000 | $350,000 | $559,000 | $559,000 |
| Hispanic | 1 | $43,000 | $43,000 | $43,000 | $58,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 325 | $39,953,000 | $122,000 | $417,000 | $82,000 | $642,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 145 | $12,351,000 | $85,000 | $190,000 | $42,000 | $92,000 |
| FHA-insured (Federal Housing Administration) | 2 | $263,000 | $131,000 | $147,000 | $49,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 386 | $44,120,000 | $114,000 | $417,000 | $74,000 | $642,000 |
| Application Denied By Financial Institution | 84 | $8,248,000 | $98,000 | $350,000 | $51,000 | $559,000 |
| Application Withdrawn By Applicant | 2 | $199,000 | $99,000 | $151,000 | $54,000 | $84,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 46 | $4,266,000 | $92,000 | $200,000 | $43,000 | $102,000 |
| Debt-To-Income Ratio | 15 | $1,645,000 | $109,000 | $213,000 | $43,000 | $74,000 |
| Collateral | 7 | $989,000 | $141,000 | $350,000 | $132,000 | $559,000 |
| Other | 7 | $519,000 | $74,000 | $141,000 | $47,000 | $70,000 |
| Employment History | 5 | $527,000 | $105,000 | $215,000 | $52,000 | $143,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $257,000 | $85,000 | $126,000 | $42,000 | $76,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ackley State Bank's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ackley State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.