Humboldt County, IA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 327 mortgage applications in Humboldt County, IA totaling $37.3 million, up 7% from 2018. The average application was for $114,000, and applicants reported an average income of $82,000. 72% of applications resulted in an originated loan and 14% were denied. The most active lender was Northwest Bank, with 110 applications, followed by Bank Iowa and US Bank, N.A..
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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 | 327 |
| Total Mortgage Loan Application Amount | $37,335,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $610,000 |
* 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 |
|---|---|---|---|---|
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,606,623,000 | 110 | $ 10,610,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,273,574,000 | 35 | $ 3,925,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 28 | $ 2,240,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 27 | $ 3,715,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 15 | $ 1,815,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 10 | $ 1,070,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 650,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 705,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 5 | $ 255,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,575,399,000 | 4 | $ 550,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 740,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 555,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 407,461,000 | 3 | $ 115,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 525,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 220,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,185,477,000 | 2 | $ 80,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 300,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 60,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,377,351,000 | 2 | $ 80,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 2 | $ 380,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 403,484,000 | 2 | $ 250,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 390,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,039,284,000 | 2 | $ 170,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 180,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 120,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 155,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 155,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 895,039,000 | 1 | $ 105,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 195,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 185,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 870,984,000 | 1 | $ 95,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 235,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 95,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 125,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 115,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 55,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 65,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 215,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 561,866,000 | 1 | $ 125,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 1 | $ 265,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 1 | $ 275,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 456,628,000 | 1 | $ 275,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 275,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 205,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 185,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 125,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 235,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2019 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 2019
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 | 167 | $20,765,000 | $124,000 | $405,000 | $79,000 | $610,000 |
| Refinancing | 61 | $7,705,000 | $126,000 | $445,000 | $98,000 | $474,000 |
| Cash-out Refinancing | 52 | $6,450,000 | $124,000 | $275,000 | $76,000 | $236,000 |
| Other Purpose | 27 | $1,455,000 | $53,000 | $275,000 | $76,000 | $300,000 |
| Home Improvement | 18 | $740,000 | $41,000 | $115,000 | $86,000 | $219,000 |
| Not Applicable | 2 | $220,000 | $110,000 | $165,000 | $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 | 263 | $29,045,000 | $110,000 | $445,000 | $81,000 | $610,000 |
| Not Provided | 33 | $4,995,000 | $151,000 | $415,000 | $91,000 | $340,000 |
| Not applicable | 25 | $2,825,000 | $113,000 | $215,000 | $34,000 | $34,000 |
| Hispanic | 6 | $470,000 | $78,000 | $165,000 | $66,000 | $137,000 |
| 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) | 249 | $26,985,000 | $108,000 | $445,000 | $85,000 | $610,000 |
| FHA-insured (Federal Housing Administration) | 38 | $5,320,000 | $140,000 | $305,000 | $78,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,745,000 | $83,000 | $145,000 | $40,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,285,000 | $172,000 | $255,000 | $85,000 | $340,000 |
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 | $26,750,000 | $114,000 | $415,000 | $85,000 | $474,000 |
| Application Denied By Financial Institution | 47 | $4,685,000 | $99,000 | $445,000 | $60,000 | $219,000 |
| Loan Purchased By The Institution | 20 | $2,670,000 | $133,000 | $215,000 | $36,000 | $39,000 |
| Application Withdrawn By Applicant | 18 | $2,220,000 | $123,000 | $395,000 | $102,000 | $610,000 |
| Application Approved But Not Accepted | 6 | $740,000 | $123,000 | $215,000 | $100,000 | $119,000 |
| File Closed For Incompleteness | 2 | $270,000 | $135,000 | $155,000 | $67,000 | $96,000 |
| 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 | 275 | $32,075,000 | $116,000 | $415,000 | $87,000 | $610,000 |
| Credit History | 14 | $940,000 | $67,000 | $195,000 | $62,000 | $219,000 |
| Debt-To-Income Ratio | 12 | $1,820,000 | $151,000 | $445,000 | $55,000 | $117,000 |
| Collateral | 10 | $1,020,000 | $102,000 | $275,000 | $71,000 | $140,000 |
| Other | 4 | $260,000 | $65,000 | $155,000 | $62,000 | $102,000 |
| Employment History | 4 | $430,000 | $107,000 | $145,000 | $47,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $180,000 | $45,000 | $75,000 | $54,000 | $94,000 |
| Credit Application Incomplete | 3 | $605,000 | $201,000 | $445,000 | $71,000 | $117,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $32,000 | $32,000 |
| 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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