Sac County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 213 mortgage applications in Sac County, IA totaling $19.8 million, down 19% from 2009. The average application was for $93,000, and applicants reported an average income of $66,000. 61% of applications resulted in an originated loan and 17% were denied. The most active lender was American National Bank, with 53 applications, followed by Iowa Bankers Mortgage Corporat 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 | 213 |
| Total Mortgage Loan Application Amount | $19,816,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $584,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,041,000 |
| 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 | 53 | $ 2,949,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 21 | $ 2,111,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 17 | $ 2,074,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 409,064,000 | 14 | $ 1,339,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 10 | $ 590,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 8 | $ 1,052,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 774,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 916,477,000 | 6 | $ 333,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 524,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 5 | $ 713,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 464,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 4 | $ 520,000 |
| First State Bank 200 MOOREHEAD AVE IDA GROVE, IA 51445 |
* | $ 117,320,000 | 4 | $ 109,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 4 | $ 434,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 788,274,000 | 4 | $ 238,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 156,135,000 | 4 | $ 1,017,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 322,433,000 | 3 | $ 117,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 363,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 203,906,000 | 2 | $ 468,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 631,277,000 | 2 | $ 499,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 163,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 255,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 181,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 60,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 34,000 |
| Midwest Mortgage Partners 8450 HICKMAN RD STE A CLIVE, IA 50325 |
* | $ 100,000,000 | 1 | $ 31,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 115,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,079,890,000 | 1 | $ 17,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 62,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 34,000 |
| Farmers Trust and Savings Bank Earling, Iowa 122 MAIN ST BOX 285 EARLING, IA 51530 |
* | $ 80,645,000 | 1 | $ 94,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 499,993,000 | 1 | $ 20,000 |
| The Northern Trust Company 50 S. LA SALLE, M-20 CHICAGO, IL 60603 |
* | $ 68,809,308,000 | 1 | $ 245,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 135,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,127,943,000 | 1 | $ 180,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 330,232,000 | 1 | $ 115,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 10,000 |
| Community Bank 1121 SOUTH G AV ENUE NEVADA, IA 50201 |
* | $ 81,523,000 | 1 | $ 325,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 70,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,829,259,000 | 1 | $ 100,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 195,313,000 | 1 | $ 156,000 |
| Iowa Community Credit Union 3301 CEDAR HEIGHTS DR CEDAR FALLS, IA 50613 |
* | $ 74,714,000 | 1 | $ 33,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 82,340,000 | 1 | $ 20,000 |
The tables below break down 2010 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 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 | 142 | $13,788,000 | $97,000 | $584,000 | $60,000 | $204,000 |
| Home Purchase | 51 | $5,318,000 | $104,000 | $366,000 | $66,000 | $304,000 |
| Home Improvement | 20 | $710,000 | $35,000 | $175,000 | $105,000 | $1,041,000 |
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 | 191 | $16,979,000 | $88,000 | $366,000 | $68,000 | $1,041,000 |
| Not Provided | 14 | $1,653,000 | $118,000 | $366,000 | $57,000 | $304,000 |
| Not applicable | 5 | $1,039,000 | $207,000 | $584,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $24,000 | $24,000 | $24,000 | $65,000 | $65,000 |
| Black or African American | 1 | $48,000 | $48,000 | $48,000 | $52,000 | $52,000 |
| Hispanic | 1 | $73,000 | $73,000 | $73,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 170 | $15,417,000 | $90,000 | $584,000 | $72,000 | $1,041,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,307,000 | $103,000 | $253,000 | $44,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $737,000 | $92,000 | $325,000 | $26,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 3 | $355,000 | $118,000 | $160,000 | $43,000 | $47,000 |
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 | 130 | $11,579,000 | $89,000 | $584,000 | $72,000 | $1,041,000 |
| Application Denied By Financial Institution | 36 | $3,325,000 | $92,000 | $256,000 | $55,000 | $170,000 |
| Application Withdrawn By Applicant | 19 | $1,862,000 | $98,000 | $366,000 | $62,000 | $304,000 |
| Application Approved But Not Accepted | 13 | $1,372,000 | $105,000 | $366,000 | $67,000 | $190,000 |
| Loan Purchased By The Institution | 13 | $1,548,000 | $119,000 | $253,000 | $44,000 | $130,000 |
| File Closed For Incompleteness | 2 | $130,000 | $65,000 | $70,000 | $20,000 | $40,000 |
| 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 | 12 | $994,000 | $82,000 | $236,000 | $55,000 | $120,000 |
| Debt-To-Income Ratio | 6 | $631,000 | $105,000 | $248,000 | $63,000 | $87,000 |
| Credit Application Incomplete | 4 | $473,000 | $118,000 | $190,000 | $73,000 | $170,000 |
| Collateral | 2 | $105,000 | $52,000 | $81,000 | $73,000 | $81,000 |
| Mortgage Insurance Denied | 1 | $76,000 | $76,000 | $76,000 | $56,000 | $56,000 |
| Other | 1 | $10,000 | $10,000 | $10,000 | $50,000 | $50,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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