Humboldt County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 362 mortgage applications in Humboldt County, IA totaling $45.8 million, up 23% from 2015. The average application was for $126,000, and applicants reported an average income of $73,000. 62% of applications resulted in an originated loan and 20% were denied. The most active lender was Northwest Bank, with 107 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 | 362 |
| Total Mortgage Loan Application Amount | $45,782,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $477,000 |
Top Mortgage Lenders in Humboldt County, IA (2016)
Ranked by the number of mortgage applications each lender reported in Humboldt County, IA in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Northwest Bank Spencer, IA |
107 | $13,390,000 | $125,000 | $85,000 |
| 2 | Bank Iowa West Des Moines, IA |
69 | $11,443,000 | $165,000 | $94,000 |
| 3 | Iowa Bankers Mortgage Corporation Johnston, IA |
30 | $3,059,000 | $101,000 | $67,000 |
| 4 | loanDepot.com LLC Irvine, CA |
24 | $2,489,000 | $103,000 | $56,000 |
| 5 | US Bank, N.A. Cincinnati, OH |
14 | $672,000 | $48,000 | $45,000 |
| 6 | Wells Fargo Bank NA Minneapolis, MN |
8 | $814,000 | $101,000 | $44,000 |
| 7 | Guild Mortgage Company San Diego, CA |
8 | $1,053,000 | $131,000 | $74,000 |
| 8 | Great Western Bank Watertown, SD |
7 | $620,000 | $88,000 | $54,000 |
| 9 | First American Bank Fort Dodge, IA |
4 | $690,000 | $172,000 | $150,000 |
| 10 | Suntrust Bank Atlanta, GA |
4 | $55,000 | $13,000 | $79,000 |
The tables below break down 2016 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 2016
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 | 192 | $23,573,000 | $122,000 | $840,000 | $78,000 | $477,000 |
| Refinancing | 154 | $21,513,000 | $139,000 | $1,350,000 | $69,000 | $423,000 |
| Home Improvement | 16 | $696,000 | $43,000 | $152,000 | $57,000 | $116,000 |
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 | 325 | $39,843,000 | $122,000 | $1,000,000 | $78,000 | $477,000 |
| Not applicable | 19 | $3,977,000 | $209,000 | $1,350,000 | $12,000 | $100,000 |
| Not Provided | 15 | $1,504,000 | $100,000 | $204,000 | $65,000 | $144,000 |
| Hispanic | 2 | $340,000 | $170,000 | $240,000 | $78,000 | $150,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $118,000 | $118,000 | $118,000 | $35,000 | $35,000 |
| 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) | 272 | $33,118,000 | $121,000 | $1,000,000 | $82,000 | $477,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,802,000 | $108,000 | $212,000 | $46,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $6,042,000 | $177,000 | $1,350,000 | $57,000 | $267,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,820,000 | $134,000 | $207,000 | $30,000 | $85,000 |
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 | 226 | $31,630,000 | $139,000 | $1,350,000 | $77,000 | $455,000 |
| Application Denied By Financial Institution | 71 | $6,422,000 | $90,000 | $360,000 | $62,000 | $423,000 |
| Application Withdrawn By Applicant | 24 | $2,516,000 | $104,000 | $350,000 | $67,000 | $177,000 |
| Loan Purchased By The Institution | 21 | $2,395,000 | $114,000 | $333,000 | $34,000 | $125,000 |
| Application Approved But Not Accepted | 16 | $2,651,000 | $165,000 | $492,000 | $125,000 | $477,000 |
| File Closed For Incompleteness | 4 | $168,000 | $42,000 | $58,000 | $89,000 | $169,000 |
| 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 | 15 | $902,000 | $60,000 | $190,000 | $87,000 | $423,000 |
| Collateral | 10 | $1,129,000 | $112,000 | $360,000 | $62,000 | $190,000 |
| Credit Application Incomplete | 5 | $393,000 | $78,000 | $194,000 | $41,000 | $68,000 |
| Debt-To-Income Ratio | 5 | $562,000 | $112,000 | $189,000 | $51,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $180,000 | $180,000 | $180,000 | $52,000 | $52,000 |
| Other | 1 | $60,000 | $60,000 | $60,000 | $82,000 | $82,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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