American State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
American State Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | American State Bank 525 N Main Ave, Po Box 140 Sioux Center, IA 51250 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 903 |
| Total Mortgage Loan Application Amount | $187,015,000 |
| Average Mortgage Loan Application Amount | $212,600 |
| Highest Mortgage Loan Application Amount | $3,295,000 |
| Average Applicant Income | $155,400 |
| Highest Applicant Income | $1,313,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with American State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down American State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by American State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American State Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sioux County Iowa | 486 | $ 91,040,000 | $ 187,000 | $ 95,000 |
| Lyon County Iowa | 92 | $ 15,920,000 | $ 173,000 | $ 87,000 |
| Minnehaha County South Dakota | 40 | $ 10,780,000 | $ 269,000 | $ 122,000 |
| Lincoln County South Dakota | 36 | $ 13,230,000 | $ 367,000 | $ 141,000 |
| O'Brien County Iowa | 35 | $ 5,415,000 | $ 154,000 | $ 79,000 |
| Plymouth County Iowa | 27 | $ 6,745,000 | $ 249,000 | $ 93,000 |
| Dickinson County Iowa | 23 | $ 5,655,000 | $ 245,000 | $ 237,000 |
| Clay County Iowa | 12 | $ 2,110,000 | $ 175,000 | $ 147,000 |
| El Paso County Colorado | 9 | $ 2,055,000 | $ 228,000 | $ 281,000 |
| Cherokee County Iowa | 9 | $ 1,505,000 | $ 167,000 | $ 92,000 |
| Woodbury County Iowa | 9 | $ 1,025,000 | $ 113,000 | $ 91,000 |
| Douglas County Nebraska | 7 | $ 2,035,000 | $ 290,000 | $ 198,000 |
| Cook County Illinois | 6 | $ 1,830,000 | $ 305,000 | $ 355,000 |
| Ramsey County Minnesota | 6 | $ 1,210,000 | $ 201,000 | $ 116,000 |
| Osceola County Iowa | 4 | $ 490,000 | $ 122,000 | $ 43,000 |
| Palo Alto County Iowa | 4 | $ 750,000 | $ 187,000 | $ 147,000 |
| Carver County Minnesota | 4 | $ 1,580,000 | $ 395,000 | $ 163,000 |
| Union County South Dakota | 4 | $ 890,000 | $ 222,000 | $ 80,000 |
| Polk County Iowa | 3 | $ 875,000 | $ 291,000 | $ 131,000 |
| Rock County Minnesota | 3 | $ 585,000 | $ 195,000 | $ 94,000 |
| Turner County South Dakota | 3 | $ 435,000 | $ 145,000 | $ 106,000 |
| Dallas County Iowa | 2 | $ 450,000 | $ 225,000 | $ 165,000 |
| Marion County Iowa | 2 | $ 750,000 | $ 375,000 | $ 150,000 |
| Warren County Iowa | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| Blue Earth County Minnesota | 2 | $ 530,000 | $ 265,000 | $ 133,000 |
| Hennepin County Minnesota | 2 | $ 660,000 | $ 330,000 | $ 98,000 |
| Murray County Minnesota | 2 | $ 710,000 | $ 355,000 | $ 390,000 |
| Pipestone County Minnesota | 2 | $ 220,000 | $ 110,000 | $ 99,000 |
| Clay County Missouri | 2 | $ 680,000 | $ 340,000 | $ 210,000 |
| Platte County Missouri | 2 | $ 420,000 | $ 210,000 | $ 188,000 |
| Gallatin County Montana | 2 | $ 550,000 | $ 275,000 | $ 94,000 |
| Lancaster County Nebraska | 2 | $ 360,000 | $ 180,000 | $ 142,000 |
| Sarpy County Nebraska | 2 | $ 300,000 | $ 150,000 | $ 102,000 |
| Clay County South Dakota | 2 | $ 260,000 | $ 130,000 | $ 55,000 |
| Lake County South Dakota | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| Lawrence County South Dakota | 2 | $ 840,000 | $ 420,000 | $ 311,000 |
| Maricopa County Arizona | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Washington County Arkansas | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Kern County California | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Denver County Colorado | 1 | $ 545,000 | $ 545,000 | $ 200,000 |
| Douglas County Colorado | 1 | $ 395,000 | $ 395,000 | $ 137,000 |
| Elbert County Colorado | 1 | $ 405,000 | $ 405,000 | $ 195,000 |
| Jefferson County Colorado | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Larimer County Colorado | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Weld County Colorado | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Osceola County Florida | 1 | $ 525,000 | $ 525,000 | $ 248,000 |
| Palm Beach County Florida | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Pasco County Florida | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Polk County Florida | 1 | $ 325,000 | $ 325,000 | $ 343,000 |
| Columbia County Georgia | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Bannock County Idaho | 1 | $ 545,000 | $ 545,000 | $ 235,000 |
| Putnam County Indiana | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Black Hawk County Iowa | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Bremer County Iowa | 1 | $ 245,000 | $ 245,000 | $ 181,000 |
| Buena Vista County Iowa | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Cass County Iowa | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Harrison County Iowa | 1 | $ 405,000 | $ 405,000 | $ 190,000 |
| Pottawattamie County Iowa | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Shelby County Iowa | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Story County Iowa | 1 | $ 325,000 | $ 325,000 | $ 194,000 |
| Geary County Kansas | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| McPherson County Kansas | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Kent County Michigan | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Ottawa County Michigan | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Crow Wing County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Dakota County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Goodhue County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 233,000 |
| Isanti County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Jackson County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Kandiyohi County Minnesota | 1 | $ 545,000 | $ 545,000 | $ 125,000 |
| Lincoln County Minnesota | 1 | $ 545,000 | $ 545,000 | $ 793,000 |
| Lyon County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Olmsted County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Wright County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 98,000 |
| St. Louis County Missouri | 1 | $ 145,000 | $ 145,000 | $ 144,000 |
| Cass County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Cedar County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Pierce County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Durham County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 103,000 |
| Wake County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Oklahoma County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Davison County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Fall River County South Dakota | 1 | $ 475,000 | $ 475,000 | $ 117,000 |
| Gregory County South Dakota | 1 | $ 515,000 | $ 515,000 | $ 324,000 |
| Roberts County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 257,000 |
| Whatcom County Washington | 1 | $ 545,000 | $ 545,000 | $ 215,000 |
| Sheboygan County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for American State Bank in 2021
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 | 428 | $95,790,000 | $223,000 | $1,685,000 | $105,000 | $999,000 |
| Refinancing | 329 | $64,635,000 | $196,000 | $3,295,000 | $115,000 | $1,313,000 |
| Cash-out Refinancing | 133 | $23,565,000 | $177,000 | $515,000 | $100,000 | $320,000 |
| Other Purpose | 10 | $2,320,000 | $232,000 | $545,000 | $295,000 | $1,026,000 |
| Home Improvement | 3 | $705,000 | $235,000 | $545,000 | $162,000 | $386,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 722 | $151,560,000 | $209,000 | $3,295,000 | $114,000 | $1,026,000 |
| Hispanic | 78 | $11,750,000 | $150,000 | $365,000 | $68,000 | $252,000 |
| Not Provided | 59 | $11,495,000 | $194,000 | $575,000 | $116,000 | $1,313,000 |
| Not applicable | 37 | $10,645,000 | $287,000 | $1,685,000 | $0 | $0 |
| Asian | 3 | $505,000 | $168,000 | $315,000 | $82,000 | $100,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $57,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $425,000 | $425,000 | $425,000 | $290,000 | $290,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $97,000 | $97,000 |
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) | 898 | $186,270,000 | $207,000 | $3,295,000 | $110,000 | $1,313,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $745,000 | $149,000 | $205,000 | $133,000 | $338,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 767 | $163,885,000 | $213,000 | $3,295,000 | $113,000 | $1,313,000 |
| Application Approved But Not Accepted | 70 | $13,250,000 | $189,000 | $545,000 | $114,000 | $792,000 |
| Application Denied By Financial Institution | 55 | $7,755,000 | $141,000 | $525,000 | $76,000 | $338,000 |
| Application Withdrawn By Applicant | 10 | $1,960,000 | $196,000 | $545,000 | $90,000 | $307,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $157,000 | $157,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 848 | $179,260,000 | $211,000 | $3,295,000 | $113,000 | $1,313,000 |
| Credit History | 27 | $3,465,000 | $128,000 | $285,000 | $95,000 | $338,000 |
| Debt-To-Income Ratio | 16 | $2,420,000 | $151,000 | $355,000 | $44,000 | $132,000 |
| Collateral | 8 | $970,000 | $121,000 | $195,000 | $72,000 | $155,000 |
| Employment History | 3 | $375,000 | $125,000 | $235,000 | $40,000 | $60,000 |
| Other | 1 | $525,000 | $525,000 | $525,000 | $248,000 | $248,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American State Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.