Wright County, IA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 336 mortgage applications in Wright County, IA totaling $27.9 million, down 6% from 2008. The average application was for $83,000, and applicants reported an average income of $61,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 64 applications, followed by Northwest Bank and Iowa Bankers Mortgage Corporat.
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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 | 336 |
| Total Mortgage Loan Application Amount | $27,898,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $781,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 64 | $ 6,163,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 756,287,000 | 43 | $ 2,901,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 41 | $ 3,703,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 26 | $ 1,829,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 20 | $ 1,910,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 18 | $ 1,209,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 16 | $ 587,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 9 | $ 546,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 572,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 585,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 7 | $ 752,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,763,712,000 | 7 | $ 154,000 |
| First Federal Savings Bank Ia 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 473,803,000 | 6 | $ 473,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 6 | $ 628,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 5 | $ 613,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 594,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 4 | $ 242,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 175,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,152,450,000 | 3 | $ 73,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 210,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 256,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 2 | $ 291,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 253,306,000 | 2 | $ 492,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 145,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ 99,086,000 | 2 | $ 85,000 |
| Nxt Bank 320 3RD ST SE CEDAR RAPIDS, IA 52401 |
* | $ 86,644,000 | 2 | $ 548,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 280,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 5,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 23,843,152,000 | 1 | $ 85,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 164,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 234,131,000 | 1 | $ 64,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 136,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 139,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 11,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 56,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 1 | $ 103,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,350,223,000 | 1 | $ 58,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 64,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 58,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 58,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 72,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 72,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 132,000 |
The tables below break down 2009 mortgage applications in Wright 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 Wright County, IA in 2009
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 | 228 | $19,561,000 | $85,000 | $276,000 | $61,000 | $781,000 |
| Home Purchase | 86 | $7,631,000 | $88,000 | $417,000 | $65,000 | $378,000 |
| Home Improvement | 22 | $706,000 | $32,000 | $145,000 | $46,000 | $114,000 |
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 | 266 | $22,606,000 | $84,000 | $417,000 | $62,000 | $626,000 |
| Not Provided | 32 | $3,201,000 | $100,000 | $417,000 | $88,000 | $781,000 |
| Not applicable | 27 | $1,604,000 | $59,000 | $219,000 | $28,000 | $85,000 |
| Hispanic | 10 | $452,000 | $45,000 | $86,000 | $35,000 | $63,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $12,000 | $12,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 231 | $18,978,000 | $82,000 | $417,000 | $68,000 | $781,000 |
| FHA-insured (Federal Housing Administration) | 78 | $6,952,000 | $89,000 | $276,000 | $48,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,156,000 | $64,000 | $87,000 | $19,000 | $41,000 |
| VA-guaranteed (Veterans Administration) | 9 | $812,000 | $90,000 | $151,000 | $67,000 | $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 | 159 | $14,133,000 | $88,000 | $417,000 | $65,000 | $378,000 |
| Application Denied By Financial Institution | 77 | $5,810,000 | $75,000 | $238,000 | $60,000 | $781,000 |
| Application Withdrawn By Applicant | 44 | $3,949,000 | $89,000 | $417,000 | $74,000 | $626,000 |
| Loan Purchased By The Institution | 38 | $2,691,000 | $70,000 | $219,000 | $36,000 | $88,000 |
| Application Approved But Not Accepted | 16 | $1,208,000 | $75,000 | $151,000 | $57,000 | $102,000 |
| File Closed For Incompleteness | 2 | $107,000 | $53,000 | $72,000 | $22,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 22 | $1,944,000 | $88,000 | $232,000 | $90,000 | $781,000 |
| Credit History | 21 | $1,205,000 | $57,000 | $145,000 | $53,000 | $144,000 |
| Other | 7 | $583,000 | $83,000 | $122,000 | $43,000 | $80,000 |
| Credit Application Incomplete | 6 | $635,000 | $105,000 | $238,000 | $55,000 | $104,000 |
| Debt-To-Income Ratio | 4 | $359,000 | $89,000 | $132,000 | $39,000 | $80,000 |
| Unverifiable Information | 1 | $34,000 | $34,000 | $34,000 | $55,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $142,000 | $142,000 | $142,000 | $70,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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