Wright County, IA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 250 mortgage applications in Wright County, IA totaling $21.5 million, down 26% from 2009. The average application was for $85,000, and applicants reported an average income of $66,000. 49% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 57 applications, followed by Iowa Bankers Mortgage Corporat and Northwest Bank.
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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 | 250 |
| Total Mortgage Loan Application Amount | $21,491,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,274,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 57 | $ 4,548,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 33 | $ 2,823,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 788,274,000 | 31 | $ 2,705,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 20 | $ 2,271,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 18 | $ 1,332,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 6 | $ 515,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,682,356,000 | 6 | $ 259,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 5 | $ 323,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 353,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 5 | $ 456,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 617,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 261,156,000 | 4 | $ 211,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 188,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 292,000 |
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,079,890,000 | 3 | $ 142,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 3 | $ 36,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 82,340,000 | 3 | $ 45,000 |
| First Federal Savings Bank Ia 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 455,548,000 | 3 | $ 142,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 659,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 297,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 2 | $ 182,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 212,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 2 | $ 16,000 |
| Community National Bank 422 COMMERCIAL STREET WATERLOO, IA 50701 |
* | $ 232,578,000 | 2 | $ 65,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 2 | $ 119,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 142,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 344,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 212,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 70,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 232,957,000 | 1 | $ 50,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 156,135,000 | 1 | $ 50,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 81,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 25,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 60,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 103,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 157,000 |
The tables below break down 2010 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 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 | 154 | $14,538,000 | $94,000 | $700,000 | $64,000 | $400,000 |
| Home Purchase | 71 | $5,792,000 | $81,000 | $257,000 | $56,000 | $187,000 |
| Home Improvement | 25 | $1,161,000 | $46,000 | $344,000 | $110,000 | $1,274,000 |
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 | 212 | $18,708,000 | $88,000 | $700,000 | $69,000 | $1,274,000 |
| Not Provided | 24 | $1,754,000 | $73,000 | $208,000 | $71,000 | $250,000 |
| Not applicable | 9 | $703,000 | $78,000 | $110,000 | $0 | $0 |
| Hispanic | 4 | $207,000 | $51,000 | $126,000 | $53,000 | $133,000 |
| American Indian or Alaskan Native | 1 | $119,000 | $119,000 | $119,000 | $40,000 | $40,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 162 | $13,991,000 | $86,000 | $700,000 | $78,000 | $1,274,000 |
| FHA-insured (Federal Housing Administration) | 70 | $5,758,000 | $82,000 | $182,000 | $47,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,388,000 | $106,000 | $187,000 | $28,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $354,000 | $70,000 | $81,000 | $41,000 | $52,000 |
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 | 123 | $11,085,000 | $90,000 | $417,000 | $81,000 | $1,274,000 |
| Application Denied By Financial Institution | 59 | $4,177,000 | $70,000 | $700,000 | $48,000 | $390,000 |
| Application Withdrawn By Applicant | 33 | $3,235,000 | $98,000 | $417,000 | $61,000 | $139,000 |
| Loan Purchased By The Institution | 19 | $1,800,000 | $94,000 | $187,000 | $29,000 | $79,000 |
| File Closed For Incompleteness | 8 | $777,000 | $97,000 | $242,000 | $66,000 | $244,000 |
| Application Approved But Not Accepted | 8 | $417,000 | $52,000 | $74,000 | $81,000 | $187,000 |
| 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 | 20 | $809,000 | $40,000 | $178,000 | $38,000 | $105,000 |
| Collateral | 11 | $988,000 | $89,000 | $155,000 | $60,000 | $133,000 |
| Debt-To-Income Ratio | 5 | $1,084,000 | $216,000 | $700,000 | $93,000 | $390,000 |
| Employment History | 2 | $139,000 | $69,000 | $93,000 | $45,000 | $67,000 |
| Other | 2 | $94,000 | $47,000 | $74,000 | $30,000 | $48,000 |
| Unverifiable Information | 1 | $64,000 | $64,000 | $64,000 | $74,000 | $74,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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