Wright County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 251 mortgage applications in Wright County, IA totaling $21.4 million, down 11% from 2017. The average application was for $85,000, and applicants reported an average income of $77,000. 61% of applications resulted in an originated loan and 20% were denied. The most active lender was Farmers & Merchants Savings Bank, with 34 applications, followed by Wells Fargo Bank NA 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 | 251 |
| Total Mortgage Loan Application Amount | $21,365,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $440,000 |
* 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 |
|---|---|---|---|---|
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 538,820,000 | 34 | $ 2,350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 18 | $ 1,650,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 17 | $ 1,715,000 |
| Green Belt Bank & Trust 616 WASHINGTON AVE. IOWA FALLS, IA 50126 |
* | $ 476,175,000 | 16 | $ 1,130,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 940,832,000 | 16 | $ 1,040,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 12 | $ 880,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 10 | $ 690,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,541,610,000 | 9 | $ 515,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 800,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 6 | $ 420,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 515,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 220,385,000 | 4 | $ 290,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 3 | $ 255,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 365,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 335,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 345,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 340,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 210,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 90,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 240,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 180,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 124,488,000 | 2 | $ 150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 140,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 130,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 300,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 200,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 422,356,000 | 2 | $ 150,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 658,607,000 | 2 | $ 180,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 165,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 75,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 335,251,000 | 1 | $ 85,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 95,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 3,205,800,000 | 1 | $ 105,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,395,305,000 | 1 | $ 155,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 15,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,609,368,000 | 1 | $ 105,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 947,888,000 | 1 | $ 75,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ 514,254,000 | 1 | $ 275,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 295,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 251,259,000 | 1 | $ 75,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 1 | $ 85,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 65,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 25,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,490,031,000 | 1 | $ 75,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 155,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 135,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 155,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 85,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 115,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 35,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 622,220,000 | 1 | $ 15,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 1 | $ 225,000 |
The tables below break down 2018 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 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 115 | $10,245,000 | $89,000 | $275,000 | $66,000 | $225,000 |
| Cash-out Refinancing | 46 | $4,500,000 | $97,000 | $325,000 | $86,000 | $432,000 |
| Refinancing | 44 | $3,880,000 | $88,000 | $265,000 | $98,000 | $238,000 |
| Other Purpose | 23 | $1,485,000 | $64,000 | $205,000 | $85,000 | $440,000 |
| Home Improvement | 14 | $700,000 | $50,000 | $155,000 | $61,000 | $96,000 |
| Not Applicable | 9 | $555,000 | $61,000 | $105,000 | $53,000 | $53,000 |
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 | 185 | $15,965,000 | $86,000 | $325,000 | $80,000 | $440,000 |
| Not Provided | 35 | $2,615,000 | $74,000 | $165,000 | $59,000 | $139,000 |
| Not applicable | 24 | $2,140,000 | $89,000 | $225,000 | $0 | $0 |
| Black or African American | 4 | $490,000 | $122,000 | $145,000 | $83,000 | $100,000 |
| Hispanic | 2 | $110,000 | $55,000 | $75,000 | $46,000 | $64,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $85,000 | $85,000 |
| American Indian or Alaskan Native | 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) | 183 | $14,235,000 | $77,000 | $325,000 | $79,000 | $440,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,330,000 | $104,000 | $295,000 | $85,000 | $432,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,880,000 | $94,000 | $155,000 | $43,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,920,000 | $120,000 | $195,000 | $59,000 | $88,000 |
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 | 153 | $12,165,000 | $79,000 | $295,000 | $77,000 | $432,000 |
| Application Denied By Financial Institution | 49 | $4,175,000 | $85,000 | $325,000 | $74,000 | $440,000 |
| Application Withdrawn By Applicant | 27 | $3,225,000 | $119,000 | $295,000 | $85,000 | $400,000 |
| Loan Purchased By The Institution | 19 | $1,605,000 | $84,000 | $155,000 | $48,000 | $53,000 |
| Application Approved But Not Accepted | 3 | $195,000 | $65,000 | $105,000 | $58,000 | $93,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 145 | $12,975,000 | $89,000 | $295,000 | $76,000 | $432,000 |
| Debt-To-Income Ratio | 65 | $4,785,000 | $73,000 | $275,000 | $79,000 | $238,000 |
| Credit History | 18 | $1,630,000 | $90,000 | $225,000 | $82,000 | $440,000 |
| Collateral | 9 | $965,000 | $107,000 | $325,000 | $85,000 | $163,000 |
| Credit Application Incomplete | 9 | $605,000 | $67,000 | $105,000 | $63,000 | $130,000 |
| Other | 4 | $330,000 | $82,000 | $165,000 | $71,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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