Sac County, IA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 242 mortgage applications in Sac County, IA totaling $16.6 million, down 33% from 2007. The average application was for $68,000, and applicants reported an average income of $53,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was American National Bank, with 60 applications, followed by Countrywide Bank FSB and Wells Fargo Bank, NA.
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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 | 242 |
| Total Mortgage Loan Application Amount | $16,624,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $531,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $540,000 |
* 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 |
|---|---|---|---|---|
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 266,139,000 | 60 | $ 2,734,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 14 | $ 1,389,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 13 | $ 909,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 100,756,000 | 13 | $ 362,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 727,276,000 | 11 | $ 639,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 589,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 389,378,000 | 8 | $ 419,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 8 | $ 427,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 595,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 8 | $ 892,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 617,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 6 | $ 260,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 5 | $ 239,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 5 | $ 427,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 641,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 406,348,000 | 3 | $ 552,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 267,503,000 | 3 | $ 111,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 234,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 491,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 2 | $ 109,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 42,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 2 | $ 231,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 78,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 2 | $ 119,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 2 | $ 77,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 156,298,000 | 2 | $ 97,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 2 | $ 352,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,535,843,000 | 2 | $ 82,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 119,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 103,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 117,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 117,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 531,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 962,672,000 | 1 | $ 52,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 160,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,249,836,000 | 1 | $ 24,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 17,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 15,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 55,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,712,351,000 | 1 | $ 59,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 163,000 |
| First Federal Savings Bank Ia 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 510,917,000 | 1 | $ 12,000 |
| Pioneer Bank 4700 SINGING HILLS BLVD. SIOUX CITY, IA 51106 |
* | $ 105,947,000 | 1 | $ 190,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 728,307,000 | 1 | $ 76,000 |
| Community Savings Bank PO BOX 77 EDGEWOOD, IA 52402 |
* | $ 274,654,000 | 1 | $ 171,000 |
| Farmers Trust and Savings Bank Earling, Iowa 122 MAIN ST BOX 285 EARLING, IA 51530 |
* | $ 71,845,000 | 1 | $ 160,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 152,203,000 | 1 | $ 55,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 8,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,795,053,000 | 1 | $ 163,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 80,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 87,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 50,000 |
The tables below break down 2008 mortgage applications in Sac 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 Sac 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 | 153 | $12,015,000 | $78,000 | $531,000 | $55,000 | $540,000 |
| Home Purchase | 55 | $3,273,000 | $59,000 | $325,000 | $44,000 | $219,000 |
| Home Improvement | 34 | $1,336,000 | $39,000 | $200,000 | $58,000 | $120,000 |
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 | 214 | $14,207,000 | $66,000 | $531,000 | $54,000 | $540,000 |
| Not Provided | 14 | $1,004,000 | $71,000 | $163,000 | $45,000 | $100,000 |
| Not applicable | 7 | $803,000 | $114,000 | $325,000 | $30,000 | $95,000 |
| American Indian or Alaskan Native | 3 | $148,000 | $49,000 | $94,000 | $48,000 | $56,000 |
| Asian | 1 | $202,000 | $202,000 | $202,000 | $179,000 | $179,000 |
| Black or African American | 1 | $81,000 | $81,000 | $81,000 | $48,000 | $48,000 |
| Hispanic | 1 | $50,000 | $50,000 | $50,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $129,000 | $129,000 | $129,000 | $41,000 | $41,000 |
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) | 219 | $15,080,000 | $68,000 | $531,000 | $55,000 | $540,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,365,000 | $71,000 | $188,000 | $33,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $179,000 | $44,000 | $89,000 | $18,000 | $23,000 |
| 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 | 125 | $7,511,000 | $60,000 | $325,000 | $62,000 | $540,000 |
| Application Denied By Financial Institution | 58 | $4,134,000 | $71,000 | $531,000 | $43,000 | $179,000 |
| Loan Purchased By The Institution | 22 | $2,188,000 | $99,000 | $325,000 | $36,000 | $105,000 |
| Application Withdrawn By Applicant | 20 | $1,376,000 | $68,000 | $143,000 | $48,000 | $105,000 |
| Application Approved But Not Accepted | 15 | $1,256,000 | $83,000 | $193,000 | $46,000 | $95,000 |
| File Closed For Incompleteness | 2 | $159,000 | $79,000 | $124,000 | $54,000 | $56,000 |
| 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 | 13 | $622,000 | $47,000 | $150,000 | $38,000 | $63,000 |
| Collateral | 8 | $1,254,000 | $156,000 | $531,000 | $68,000 | $179,000 |
| Debt-To-Income Ratio | 4 | $286,000 | $71,000 | $110,000 | $36,000 | $51,000 |
| Other | 4 | $336,000 | $84,000 | $154,000 | $47,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $117,000 | $58,000 | $83,000 | $48,000 | $79,000 |
| Unverifiable Information | 1 | $18,000 | $18,000 | $18,000 | $4,000 | $4,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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