Farmers State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Farmers State Bank 2019 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 | Farmers State Bank 131 Tower Park Drive Suite 100 Waterloo, IA 50701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 815 |
| Total Mortgage Loan Application Amount | $146,175,000 |
| Average Mortgage Loan Application Amount | $127,500 |
| Highest Mortgage Loan Application Amount | $8,905,000 |
| Average Applicant Income | $108,500 |
| Highest Applicant Income | $2,720,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Farmers 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 Farmers State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Farmers 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 Farmers State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Farmers 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 Farmers State Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Black Hawk County Iowa | 434 | $ 68,310,000 | $ 157,000 | $ 116,000 |
| Bremer County Iowa | 98 | $ 11,010,000 | $ 112,000 | $ 96,000 |
| Buchanan County Iowa | 73 | $ 6,595,000 | $ 90,000 | $ 89,000 |
| Butler County Iowa | 39 | $ 5,025,000 | $ 128,000 | $ 85,000 |
| Polk County Iowa | 33 | $ 14,375,000 | $ 435,000 | $ 156,000 |
| Grundy County Iowa | 21 | $ 2,075,000 | $ 98,000 | $ 84,000 |
| Tama County Iowa | 13 | $ 1,255,000 | $ 96,000 | $ 90,000 |
| Cerro Gordo County Iowa | 10 | $ 2,060,000 | $ 206,000 | $ 428,000 |
| Fayette County Iowa | 10 | $ 3,810,000 | $ 381,000 | $ 156,000 |
| Dallas County Iowa | 9 | $ 8,235,000 | $ 915,000 | $ 94,000 |
| Allamakee County Iowa | 6 | $ 530,000 | $ 88,000 | $ 69,000 |
| Floyd County Iowa | 6 | $ 770,000 | $ 128,000 | $ 64,000 |
| Linn County Iowa | 6 | $ 670,000 | $ 111,000 | $ 91,000 |
| Scott County Iowa | 6 | $ 2,010,000 | $ 335,000 | $ 67,000 |
| Maricopa County Arizona | 3 | $ 755,000 | $ 251,000 | $ 223,000 |
| Kauai County Hawaii | 3 | $ 2,135,000 | $ 711,000 | $ 588,000 |
| Franklin County Iowa | 3 | $ 135,000 | $ 45,000 | $ 65,000 |
| Johnson County Iowa | 3 | $ 195,000 | $ 65,000 | $ 63,000 |
| Poweshiek County Iowa | 3 | $ 205,000 | $ 68,000 | $ 112,000 |
| Larimer County Colorado | 2 | $ 440,000 | $ 220,000 | $ 135,000 |
| Mesa County Colorado | 2 | $ 370,000 | $ 185,000 | $ 110,000 |
| Walton County Florida | 2 | $ 1,250,000 | $ 625,000 | $ 1,608,000 |
| Adair County Iowa | 2 | $ 120,000 | $ 60,000 | $ 48,000 |
| Benton County Iowa | 2 | $ 190,000 | $ 95,000 | $ 121,000 |
| Cass County Iowa | 2 | $ 100,000 | $ 50,000 | $ 40,000 |
| Guthrie County Iowa | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Hamilton County Iowa | 2 | $ 160,000 | $ 80,000 | $ 72,000 |
| Story County Iowa | 2 | $ 1,340,000 | $ 670,000 | $ 90,000 |
| Bayfield County Wisconsin | 2 | $ 400,000 | $ 200,000 | $ 245,000 |
| Peoria County Illinois | 1 | $ 4,025,000 | $ 4,025,000 | $ 0 |
| Tazewell County Illinois | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Monroe County Indiana | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Chickasaw County Iowa | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Delaware County Iowa | 1 | $ 345,000 | $ 345,000 | $ 49,000 |
| Hardin County Iowa | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Lee County Iowa | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Hennepin County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Mower County Minnesota | 1 | $ 2,955,000 | $ 2,955,000 | $ 0 |
| Olmsted County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Waseca County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 347,000 |
| Boone County Missouri | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Camden County Missouri | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Putnam County Missouri | 1 | $ 155,000 | $ 155,000 | $ 192,000 |
| Stone County Missouri | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Flathead County Montana | 1 | $ 335,000 | $ 335,000 | $ 478,000 |
Mortgage Loan Application Detail Totals for Farmers State Bank in 2019
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 | 468 | $77,290,000 | $165,000 | $4,075,000 | $105,000 | $1,628,000 |
| Refinancing | 269 | $64,765,000 | $240,000 | $8,905,000 | $150,000 | $2,720,000 |
| Home Improvement | 41 | $2,215,000 | $54,000 | $165,000 | $94,000 | $384,000 |
| Other Purpose | 37 | $1,905,000 | $51,000 | $325,000 | $85,000 | $254,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 678 | $82,980,000 | $122,000 | $885,000 | $120,000 | $2,720,000 |
| Not applicable | 104 | $60,550,000 | $582,000 | $8,905,000 | $0 | $0 |
| Not Provided | 12 | $1,320,000 | $110,000 | $305,000 | $84,000 | $140,000 |
| Hispanic | 11 | $455,000 | $41,000 | $105,000 | $38,000 | $90,000 |
| Asian | 5 | $535,000 | $107,000 | $245,000 | $89,000 | $111,000 |
| Black or African American | 3 | $185,000 | $61,000 | $65,000 | $58,000 | $108,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $125,000 | $45,000 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 815 | $146,175,000 | $179,000 | $8,905,000 | $118,000 | $2,720,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 666 | $112,120,000 | $168,000 | $8,905,000 | $122,000 | $2,720,000 |
| Application Approved But Not Accepted | 93 | $22,825,000 | $245,000 | $4,075,000 | $106,000 | $600,000 |
| Application Denied By Financial Institution | 31 | $4,895,000 | $157,000 | $1,635,000 | $54,000 | $170,000 |
| Application Withdrawn By Applicant | 25 | $6,335,000 | $253,000 | $885,000 | $124,000 | $347,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 784 | $141,280,000 | $180,000 | $8,905,000 | $120,000 | $2,720,000 |
| Credit History | 13 | $1,465,000 | $112,000 | $205,000 | $71,000 | $170,000 |
| Debt-To-Income Ratio | 10 | $780,000 | $78,000 | $285,000 | $31,000 | $63,000 |
| Collateral | 3 | $1,745,000 | $581,000 | $1,635,000 | $72,000 | $112,000 |
| Other | 2 | $260,000 | $130,000 | $155,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $405,000 | $0 | $0 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farmers State Bank's 2019 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 Farmers 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.