Howard County, IA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 335 mortgage applications in Howard County, IA totaling $24.8 million, up 1% from 2004. The average application was for $74,000, and applicants reported an average income of $41,000. 38% of applications resulted in an originated loan and 25% were denied. The most active lender was Community Financial Grp Mort, with 29 applications, followed by Ameriquest Mortgage Company 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 | 335 |
| Total Mortgage Loan Application Amount | $24,798,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $274,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $652,000 |
Top Mortgage Lenders in Howard County, IA (2005)
Ranked by the number of mortgage applications each lender reported in Howard County, IA in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Community Financial Grp Mort Grafton, WI |
29 | $2,770,000 | $95,000 | $45,000 |
| 2 | Ameriquest Mortgage Company Orange, CA |
21 | $1,604,000 | $76,000 | $50,000 |
| 3 | Wells Fargo Bank, NA Des Moines, IA |
18 | $1,174,000 | $65,000 | $42,000 |
| 4 | Fieldstone Mortgage Company Columbia, MD |
16 | $1,099,000 | $68,000 | $38,000 |
| 5 | Iowa Bankers Mortgage Corporat Johnston, IA |
15 | $953,000 | $63,000 | $30,000 |
| 6 | Countrywide Home Loans Westlake Village, CA |
14 | $1,097,000 | $78,000 | $53,000 |
| 7 | Beneficial Company LLC Mettawa, IL |
14 | $1,015,000 | $72,000 | $45,000 |
| 8 | Homeowners Loan Corporation Atlanta, GA |
11 | $702,000 | $63,000 | $47,000 |
| 9 | Gmac Mortgage LLC Ft. Washington, PA |
10 | $833,000 | $83,000 | $27,000 |
| 10 | Nationstar Mortgage Coppell, TX |
10 | $556,000 | $55,000 | $30,000 |
The tables below break down 2005 mortgage applications in Howard 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 Howard County, IA in 2005
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 | 177 | $14,633,000 | $82,000 | $274,000 | $46,000 | $652,000 |
| Home Purchase | 136 | $9,565,000 | $70,000 | $260,000 | $35,000 | $463,000 |
| Home Improvement | 22 | $600,000 | $27,000 | $78,000 | $39,000 | $63,000 |
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 | 278 | $20,807,000 | $74,000 | $274,000 | $44,000 | $652,000 |
| Not Provided | 36 | $2,484,000 | $69,000 | $147,000 | $40,000 | $274,000 |
| Not applicable | 17 | $1,278,000 | $75,000 | $260,000 | $7,000 | $48,000 |
| Hispanic | 2 | $69,000 | $34,000 | $51,000 | $63,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $22,000 | $22,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $52,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 311 | $23,101,000 | $74,000 | $274,000 | $42,000 | $652,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,290,000 | $67,000 | $140,000 | $25,000 | $44,000 |
| FHA-insured (Federal Housing Administration) | 3 | $165,000 | $55,000 | $64,000 | $9,000 | $28,000 |
| VA-guaranteed (Veterans Administration) | 2 | $242,000 | $121,000 | $121,000 | $21,000 | $42,000 |
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 | 126 | $9,618,000 | $76,000 | $274,000 | $48,000 | $652,000 |
| Application Denied By Financial Institution | 83 | $5,471,000 | $65,000 | $178,000 | $39,000 | $274,000 |
| Application Withdrawn By Applicant | 48 | $3,526,000 | $73,000 | $162,000 | $48,000 | $554,000 |
| Loan Purchased By The Institution | 41 | $3,604,000 | $87,000 | $274,000 | $22,000 | $463,000 |
| Application Approved But Not Accepted | 22 | $1,293,000 | $58,000 | $113,000 | $40,000 | $161,000 |
| File Closed For Incompleteness | 14 | $1,156,000 | $82,000 | $115,000 | $46,000 | $73,000 |
| Preapproval Denied by Financial Institution | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 21 | $1,391,000 | $66,000 | $168,000 | $43,000 | $274,000 |
| Credit History | 20 | $1,109,000 | $55,000 | $139,000 | $32,000 | $60,000 |
| Debt-To-Income Ratio | 5 | $278,000 | $55,000 | $82,000 | $20,000 | $54,000 |
| Unverifiable Information | 5 | $345,000 | $69,000 | $120,000 | $87,000 | $156,000 |
| Collateral | 5 | $413,000 | $82,000 | $160,000 | $44,000 | $86,000 |
| Credit Application Incomplete | 4 | $390,000 | $97,000 | $119,000 | $42,000 | $77,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $39,000 | $39,000 |
| 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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