Availa Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Availa 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 | Availa Bank 126 W 6Th St Carroll, IA 51401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 342 |
| Total Mortgage Loan Application Amount | $86,280,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $18,005,000 |
| Average Applicant Income | $142,750 |
| Highest Applicant Income | $5,685,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Availa 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 Availa Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Availa 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 Availa Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Availa 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 Availa 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 |
|---|---|---|---|---|
| Pottawattamie County Iowa | 57 | $ 6,835,000 | $ 119,000 | $ 283,000 |
| Polk County Iowa | 52 | $ 27,410,000 | $ 527,000 | $ 235,000 |
| Webster County Iowa | 52 | $ 4,980,000 | $ 95,000 | $ 85,000 |
| Story County Iowa | 32 | $ 12,270,000 | $ 383,000 | $ 189,000 |
| Carroll County Iowa | 25 | $ 4,635,000 | $ 185,000 | $ 104,000 |
| Hamilton County Iowa | 21 | $ 1,925,000 | $ 91,000 | $ 74,000 |
| Woodbury County Iowa | 17 | $ 3,625,000 | $ 213,000 | $ 88,000 |
| Douglas County Nebraska | 17 | $ 1,055,000 | $ 62,000 | $ 180,000 |
| Boone County Iowa | 7 | $ 665,000 | $ 95,000 | $ 162,000 |
| Ida County Iowa | 7 | $ 725,000 | $ 103,000 | $ 80,000 |
| Dakota County Nebraska | 7 | $ 7,875,000 | $ 1,125,000 | $ 0 |
| Pocahontas County Iowa | 4 | $ 130,000 | $ 32,000 | $ 72,000 |
| Crawford County Iowa | 3 | $ 495,000 | $ 165,000 | $ 84,000 |
| Dallas County Iowa | 3 | $ 3,045,000 | $ 1,015,000 | $ 111,000 |
| Wright County Iowa | 3 | $ 375,000 | $ 125,000 | $ 42,000 |
| Sarpy County Nebraska | 3 | $ 345,000 | $ 115,000 | $ 132,000 |
| Yankton County South Dakota | 3 | $ 175,000 | $ 58,000 | $ 0 |
| Mills County Iowa | 2 | $ 30,000 | $ 15,000 | $ 79,000 |
| Scott County Iowa | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| Carteret County North Carolina | 2 | $ 1,940,000 | $ 970,000 | $ 642,000 |
| Union County South Dakota | 2 | $ 3,120,000 | $ 1,560,000 | $ 464,000 |
| Lee County Florida | 1 | $ 275,000 | $ 275,000 | $ 786,000 |
| Audubon County Iowa | 1 | $ 295,000 | $ 295,000 | $ 207,000 |
| Calhoun County Iowa | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Cherokee County Iowa | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Dickinson County Iowa | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Guthrie County Iowa | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Humboldt County Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Jasper County Iowa | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Johnson County Iowa | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Marion County Iowa | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Palo Alto County Iowa | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Poweshiek County Iowa | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Sac County Iowa | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Shelby County Iowa | 1 | $ 85,000 | $ 85,000 | $ 302,000 |
| Union County Iowa | 1 | $ 135,000 | $ 135,000 | $ 223,000 |
| Warren County Iowa | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Pottawatomie County Kansas | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Smith County Kansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Camden County Missouri | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Dodge County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Iron County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Availa 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 | 188 | $59,550,000 | $316,000 | $18,005,000 | $141,000 | $1,500,000 |
| Refinancing | 136 | $24,620,000 | $181,000 | $2,605,000 | $214,000 | $5,685,000 |
| Other Purpose | 10 | $1,790,000 | $179,000 | $605,000 | $138,000 | $362,000 |
| Home Improvement | 8 | $320,000 | $40,000 | $85,000 | $78,000 | $144,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 168 | $29,120,000 | $173,000 | $1,225,000 | $167,000 | $5,685,000 |
| Not applicable | 157 | $54,305,000 | $345,000 | $18,005,000 | $0 | $0 |
| Not Provided | 7 | $1,175,000 | $167,000 | $425,000 | $120,000 | $405,000 |
| Asian | 4 | $570,000 | $142,000 | $185,000 | $44,000 | $60,000 |
| Hispanic | 3 | $225,000 | $75,000 | $115,000 | $54,000 | $65,000 |
| Black or African American | 2 | $440,000 | $220,000 | $375,000 | $159,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 342 | $86,280,000 | $252,000 | $18,005,000 | $164,000 | $5,685,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 314 | $79,680,000 | $253,000 | $18,005,000 | $178,000 | $5,685,000 |
| Application Withdrawn By Applicant | 12 | $4,740,000 | $395,000 | $2,605,000 | $86,000 | $176,000 |
| Application Denied By Financial Institution | 9 | $1,035,000 | $115,000 | $225,000 | $64,000 | $138,000 |
| Application Approved But Not Accepted | 7 | $825,000 | $117,000 | $295,000 | $82,000 | $207,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 342 | $86,280,000 | $252,000 | $18,005,000 | $164,000 | $5,685,000 |
| Employment History | 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Availa 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 Availa 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.