Wright County, IA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 237 mortgage applications in Wright County, IA totaling $20.6 million, up 19% from 2011. The average application was for $86,000, and applicants reported an average income of $86,000. 64% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 61 applications, followed by Northwest Bank and Iowa Bankers Mortgage Corporation.
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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 | 237 |
| Total Mortgage Loan Application Amount | $20,594,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,569,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 61 | $ 5,191,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 863,794,000 | 45 | $ 3,435,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 26 | $ 2,337,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 1,034,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 6 | $ 145,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 5 | $ 358,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 376,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 245,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 141,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 166,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 3 | $ 323,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 205,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 3 | $ 187,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 173,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 166,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 2 | $ 212,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,369,830,000 | 2 | $ 134,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 173,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 320,747,000 | 2 | $ 315,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 239,475,000 | 2 | $ 867,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 459,848,000 | 2 | $ 94,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 281,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 121,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 68,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 12,527,568,000 | 1 | $ 24,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 77,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 1,422,343,000 | 1 | $ 27,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 283,840,000 | 1 | $ 78,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 17,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 131,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 30,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 99,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 20,000 |
| Liberty Bank F.S.B. 3800 100TH ST URBANDALE, IA 50322 |
* | $ 934,109,000 | 1 | $ 34,000 |
| Ackley State Bank 650 MAIN ST ACKLEY, IA 50601 |
* | $ 124,513,000 | 1 | $ 35,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 96,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 62,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ 100,000,000 | 1 | $ 43,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 115,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 88,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 44,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 65,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 26,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 74,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 269,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 453,215,000 | 1 | $ 232,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 287,837,000 | 1 | $ 28,000 |
| Metro Credit Union 14517 F STREET SUITE 211 OMAHA, NE 68137 |
* | $ 189,657,000 | 1 | $ 357,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 91,279,000 | 1 | $ 50,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ 97,705,000 | 1 | $ 77,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 582,933,000 | 1 | $ 370,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 1 | $ 84,000 |
| Nxt Bank 320 3RD ST SE CEDAR RAPIDS, IA 52401 |
* | $ 131,101,000 | 1 | $ 186,000 |
The tables below break down 2012 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 2012
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 | 148 | $13,613,000 | $91,000 | $417,000 | $92,000 | $1,484,000 |
| Home Purchase | 72 | $6,461,000 | $89,000 | $450,000 | $78,000 | $1,569,000 |
| Home Improvement | 17 | $520,000 | $30,000 | $78,000 | $64,000 | $140,000 |
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 | 203 | $17,692,000 | $87,000 | $450,000 | $90,000 | $1,569,000 |
| Not Provided | 19 | $1,629,000 | $85,000 | $185,000 | $58,000 | $125,000 |
| Not applicable | 7 | $807,000 | $115,000 | $401,000 | $42,000 | $197,000 |
| Hispanic | 6 | $290,000 | $48,000 | $106,000 | $71,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $26,000 | $26,000 | $26,000 | $21,000 | $21,000 |
| Asian | 1 | $150,000 | $150,000 | $150,000 | $350,000 | $350,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 169 | $15,033,000 | $88,000 | $450,000 | $102,000 | $1,569,000 |
| FHA-insured (Federal Housing Administration) | 46 | $3,728,000 | $81,000 | $253,000 | $46,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $805,000 | $57,000 | $77,000 | $37,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,028,000 | $128,000 | $357,000 | $60,000 | $200,000 |
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 | 152 | $14,765,000 | $97,000 | $450,000 | $103,000 | $1,569,000 |
| Application Denied By Financial Institution | 45 | $2,487,000 | $55,000 | $134,000 | $48,000 | $120,000 |
| Application Withdrawn By Applicant | 21 | $2,016,000 | $96,000 | $281,000 | $71,000 | $188,000 |
| Loan Purchased By The Institution | 12 | $912,000 | $76,000 | $127,000 | $44,000 | $197,000 |
| Application Approved But Not Accepted | 4 | $208,000 | $52,000 | $65,000 | $69,000 | $108,000 |
| File Closed For Incompleteness | 3 | $206,000 | $68,000 | $100,000 | $90,000 | $152,000 |
| 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 | $326,000 | $27,000 | $65,000 | $59,000 | $100,000 |
| Debt-To-Income Ratio | 11 | $714,000 | $64,000 | $134,000 | $36,000 | $99,000 |
| Collateral | 5 | $261,000 | $52,000 | $101,000 | $52,000 | $75,000 |
| Other | 5 | $357,000 | $71,000 | $120,000 | $48,000 | $120,000 |
| Unverifiable Information | 2 | $176,000 | $88,000 | $114,000 | $42,000 | $84,000 |
| Employment History | 2 | $118,000 | $59,000 | $75,000 | $26,000 | $27,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $88,000 | $88,000 |
| 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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