Humboldt County, IA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 306 mortgage applications in Humboldt County, IA totaling $31.8 million, up 15% from 2017. The average application was for $103,000, and applicants reported an average income of $81,000. 76% of applications resulted in an originated loan and 11% were denied. The most active lender was Northwest Bank, with 127 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 | 306 |
| Total Mortgage Loan Application Amount | $31,800,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $786,000 |
| 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 |
* | $ 1,541,610,000 | 127 | $ 10,595,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,294,980,000 | 31 | $ 3,155,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 28 | $ 3,460,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 17 | $ 1,375,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 9 | $ 2,355,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 4,672,409,000 | 6 | $ 760,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 5 | $ 455,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 895,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 575,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 560,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 4 | $ 450,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 510,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,558,094,000 | 3 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 215,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 535,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 250,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 260,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 658,607,000 | 2 | $ 80,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 2 | $ 120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 110,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 538,820,000 | 2 | $ 60,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 430,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 65,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 1 | $ 105,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 869,903,000 | 1 | $ 115,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 818,571,000 | 1 | $ 225,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 155,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 261,210,000 | 1 | $ 205,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 476,857,000 | 1 | $ 25,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,566,554,000 | 1 | $ 115,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 135,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 45,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ -1,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,490,031,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 195,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 105,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 1 | $ 45,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 45,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 1 | $ 195,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 755,545,000 | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2018 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 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 | 156 | $20,260,000 | $129,000 | $1,605,000 | $78,000 | $648,000 |
| Refinancing | 60 | $4,280,000 | $71,000 | $455,000 | $91,000 | $786,000 |
| Cash-out Refinancing | 45 | $5,345,000 | $118,000 | $305,000 | $69,000 | $237,000 |
| Home Improvement | 30 | $1,280,000 | $42,000 | $185,000 | $101,000 | $236,000 |
| Other Purpose | 14 | $590,000 | $42,000 | $115,000 | $65,000 | $199,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
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 | 276 | $28,220,000 | $102,000 | $1,605,000 | $81,000 | $786,000 |
| Not Provided | 17 | $2,075,000 | $122,000 | $265,000 | $85,000 | $197,000 |
| Not applicable | 10 | $1,340,000 | $134,000 | $265,000 | $0 | $0 |
| Hispanic | 3 | $165,000 | $55,000 | $75,000 | $44,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 252 | $25,200,000 | $100,000 | $1,605,000 | $86,000 | $786,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,000,000 | $125,000 | $225,000 | $59,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,415,000 | $94,000 | $155,000 | $40,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,185,000 | $145,000 | $305,000 | $69,000 | $103,000 |
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 | 234 | $22,840,000 | $97,000 | $455,000 | $85,000 | $786,000 |
| Application Denied By Financial Institution | 35 | $5,095,000 | $145,000 | $1,605,000 | $62,000 | $220,000 |
| Application Withdrawn By Applicant | 17 | $1,735,000 | $102,000 | $205,000 | $86,000 | $205,000 |
| File Closed For Incompleteness | 7 | $835,000 | $119,000 | $305,000 | $68,000 | $146,000 |
| Loan Purchased By The Institution | 7 | $905,000 | $129,000 | $225,000 | $35,000 | $35,000 |
| Application Approved But Not Accepted | 6 | $390,000 | $65,000 | $135,000 | $47,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 264 | $26,270,000 | $99,000 | $455,000 | $80,000 | $786,000 |
| Debt-To-Income Ratio | 13 | $1,135,000 | $87,000 | $225,000 | $135,000 | $648,000 |
| Credit History | 10 | $1,170,000 | $117,000 | $245,000 | $51,000 | $95,000 |
| Collateral | 9 | $2,295,000 | $255,000 | $1,605,000 | $84,000 | $220,000 |
| Credit Application Incomplete | 6 | $570,000 | $95,000 | $145,000 | $50,000 | $82,000 |
| Other | 3 | $255,000 | $85,000 | $195,000 | $42,000 | $49,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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