Humboldt County, IA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 255 mortgage applications in Humboldt County, IA totaling $23.0 million, down 22% from 2013. The average application was for $90,000, and applicants reported an average income of $58,000. 67% of applications resulted in an originated loan and 19% were denied. The most active lender was Northwest Bank, with 81 applications, followed by Bank Iowa 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 | 255 |
| Total Mortgage Loan Application Amount | $22,975,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $1,580,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $448,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,334,434,000 | 81 | $ 6,711,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,107,977,000 | 28 | $ 3,618,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 19 | $ 1,718,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 17 | $ 1,809,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 17 | $ 1,022,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 505,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 6 | $ 506,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 451,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 5 | $ 143,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 5 | $ 651,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,244,983,000 | 4 | $ 246,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 661,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 308,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 251,000 |
| Premier Lending Alliance 8831THOMAS AVE. SUITE 100 JOHNSTON, IA 50131 |
* | $ 100,000,000 | 3 | $ 205,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 136,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 308,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 153,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 185,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 183,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,433,983,000 | 2 | $ 64,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 654,394,000 | 2 | $ 161,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 317,735,000 | 1 | $ 42,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 92,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 111,693,000 | 1 | $ 35,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 148,146,000 | 1 | $ 75,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 288,123,000 | 1 | $ 4,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 1 | $ 70,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 99,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 66,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 41,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 134,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 82,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 92,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 47,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 274,738,000 | 1 | $ 96,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 54,000 |
The tables below break down 2014 mortgage applications in Humboldt 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 Humboldt County, IA in 2014
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 | 135 | $11,928,000 | $88,000 | $304,000 | $57,000 | $320,000 |
| Refinancing | 97 | $10,268,000 | $105,000 | $1,580,000 | $53,000 | $226,000 |
| Home Improvement | 23 | $779,000 | $33,000 | $158,000 | $81,000 | $448,000 |
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 | 217 | $18,688,000 | $86,000 | $500,000 | $63,000 | $448,000 |
| Not applicable | 22 | $3,286,000 | $149,000 | $1,580,000 | $3,000 | $50,000 |
| Not Provided | 13 | $887,000 | $68,000 | $108,000 | $64,000 | $320,000 |
| Hispanic | 2 | $101,000 | $50,000 | $96,000 | $44,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $13,000 | $13,000 | $13,000 | $96,000 | $96,000 |
| 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) | 188 | $17,378,000 | $92,000 | $1,580,000 | $65,000 | $448,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $1,766,000 | $65,000 | $126,000 | $26,000 | $61,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,812,000 | $75,000 | $159,000 | $35,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,019,000 | $126,000 | $500,000 | $52,000 | $109,000 |
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 | 172 | $16,143,000 | $93,000 | $1,580,000 | $67,000 | $448,000 |
| Application Denied By Financial Institution | 48 | $4,017,000 | $83,000 | $500,000 | $46,000 | $111,000 |
| Loan Purchased By The Institution | 19 | $1,391,000 | $73,000 | $164,000 | $13,000 | $103,000 |
| Application Withdrawn By Applicant | 8 | $668,000 | $83,000 | $194,000 | $51,000 | $89,000 |
| Application Approved But Not Accepted | 6 | $480,000 | $80,000 | $172,000 | $42,000 | $67,000 |
| File Closed For Incompleteness | 2 | $276,000 | $138,000 | $210,000 | $42,000 | $84,000 |
| 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 | 10 | $401,000 | $40,000 | $68,000 | $48,000 | $88,000 |
| Collateral | 9 | $980,000 | $108,000 | $320,000 | $65,000 | $111,000 |
| Credit Application Incomplete | 4 | $229,000 | $57,000 | $85,000 | $21,000 | $29,000 |
| Other | 3 | $261,000 | $87,000 | $179,000 | $50,000 | $96,000 |
| Debt-To-Income Ratio | 2 | $97,000 | $48,000 | $49,000 | $19,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $98,000 | $98,000 | $98,000 | $56,000 | $56,000 |
| 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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