Availa Bank Mortgage Lending & HMDA Data, 2022
In 2022, Availa Bank of Carroll, IA reported 420 mortgage applications totaling $138.5 million, up 23% from 2021. The average application was for $329,714, and applicants reported an average income of $187,695. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (95), Des Moines-West Des Moines, IA (82) and Ames, IA (56) (applications in parentheses).
| Mortgage Company & Address | Availa Bank 126 W 6th St Carroll, IA 51401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 420 |
| Total Mortgage Loan Application Amount | $138,480,000 |
| Average Mortgage Loan Application Amount | $329,714 |
| Highest Mortgage Loan Application Amount | $31,005,000 |
| Average Applicant Income | $187,695 |
| Highest Applicant Income | $5,389,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Availa Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pottawattamie, Iowa | 81 | $ 10,775,000 | $ 133,024 | $ 111,000 |
| Polk, Iowa | 69 | $ 35,855,000 | $ 519,637 | $ 188,000 |
| Webster, Iowa | 52 | $ 5,170,000 | $ 99,423 | $ 82,000 |
| Story, Iowa | 48 | $ 12,850,000 | $ 267,708 | $ 189,000 |
| Woodbury, Iowa | 21 | $ 2,245,000 | $ 106,904 | $ 70,000 |
| Carroll, Iowa | 14 | $ 2,340,000 | $ 167,142 | $ 179,000 |
| Hamilton, Iowa | 14 | $ 1,890,000 | $ 135,000 | $ 117,000 |
| Douglas, Nebraska | 11 | $ 4,865,000 | $ 442,272 | $ 185,000 |
| Boone, Iowa | 8 | $ 1,600,000 | $ 200,000 | $ 225,000 |
| Dickinson, Iowa | 8 | $ 2,690,000 | $ 336,250 | $ 177,000 |
| Ida, Iowa | 7 | $ 2,135,000 | $ 305,000 | $ 95,000 |
| Wright, Iowa | 7 | $ 945,000 | $ 135,000 | $ 219,000 |
| Dallas, Iowa | 6 | $ 870,000 | $ 145,000 | $ 171,000 |
| Marshall, Iowa | 6 | $ 1,170,000 | $ 195,000 | $ 307,000 |
| Calhoun, Iowa | 5 | $ 605,000 | $ 121,000 | $ 93,000 |
| Cherokee, Iowa | 4 | $ 420,000 | $ 105,000 | $ 80,000 |
| Pocahontas, Iowa | 4 | $ 350,000 | $ 87,500 | $ 104,000 |
| Lancaster, Nebraska | 4 | $ 860,000 | $ 215,000 | $ 0 |
| Crawford, Iowa | 3 | $ 375,000 | $ 125,000 | $ 96,000 |
| Humboldt, Iowa | 3 | $ 825,000 | $ 275,000 | $ 196,000 |
| Marion, Iowa | 3 | $ 3,405,000 | $ 1,135,000 | $ 0 |
| Warren, Iowa | 3 | $ 405,000 | $ 135,000 | $ 0 |
| Greene, Iowa | 2 | $ 630,000 | $ 315,000 | $ 39,000 |
| Jasper, Iowa | 2 | $ 450,000 | $ 225,000 | $ 204,000 |
| Shawnee, Kansas | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Camden, Missouri | 2 | $ 470,000 | $ 235,000 | $ 1,316,000 |
| Dakota, Nebraska | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Carteret, North Carolina | 2 | $ 1,760,000 | $ 880,000 | $ 1,478,000 |
| Maricopa, Arizona | 1 | $ 275,000 | $ 275,000 | $ 51,000 |
| Lee, Florida | 1 | $ 855,000 | $ 855,000 | $ 232,000 |
| Monroe, Florida | 1 | $ 655,000 | $ 655,000 | $ 487,000 |
| Champaign, Illinois | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Guthrie, Iowa | 1 | $ 155,000 | $ 155,000 | $ 234,000 |
| Hardin, Iowa | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Harrison, Iowa | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Linn, Iowa | 1 | $ 31,005,000 | $ 31,005,000 | $ 0 |
| Madison, Iowa | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Mills, Iowa | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Montgomery, Iowa | 1 | $ 75,000 | $ 75,000 | $ 0 |
| O'Brien, Iowa | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Plymouth, Iowa | 1 | $ 1,445,000 | $ 1,445,000 | $ 5,389,000 |
| Poweshiek, Iowa | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Shelby, Iowa | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Geary, Kansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jefferson, Kansas | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Otter Tail, Minnesota | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Jackson, Missouri | 1 | $ 525,000 | $ 525,000 | $ 168,000 |
| Putnam, Missouri | 1 | $ 405,000 | $ 405,000 | $ 100,000 |
| Taney, Missouri | 1 | $ 1,165,000 | $ 1,165,000 | $ 1,321,000 |
| Sarpy, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Lincoln, South Dakota | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Union, South Dakota | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Yankton, South Dakota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pocahontas, West Virginia | 1 | $ 535,000 | $ 535,000 | $ 313,000 |
Mortgage Loan Application Detail Totals for Availa Bank in 2022
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 | 274 | $98,970,000 | $361,000 | $31,005,000 | $208,000 | $5,389,000 |
| Refinancing | 100 | $36,400,000 | $364,000 | $6,045,000 | $170,000 | $1,986,000 |
| Home Improvement | 32 | $1,950,000 | $60,000 | $275,000 | $83,000 | $230,000 |
| Other Purpose | 14 | $1,160,000 | $82,000 | $255,000 | $156,000 | $761,000 |
| 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 | 201 | $42,665,000 | $212,000 | $1,605,000 | $190,000 | $5,389,000 |
| Not applicable | 196 | $91,060,000 | $464,000 | $31,005,000 | $0 | $0 |
| Black or African American | 7 | $935,000 | $133,000 | $415,000 | $62,000 | $93,000 |
| Hispanic | 6 | $1,720,000 | $286,000 | $1,325,000 | $263,000 | $954,000 |
| Not Provided | 6 | $1,590,000 | $265,000 | $505,000 | $140,000 | $223,000 |
| Asian | 4 | $510,000 | $127,000 | $205,000 | $82,000 | $101,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 420 | $138,480,000 | $329,000 | $31,005,000 | $185,000 | $5,389,000 |
| 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 | 373 | $130,785,000 | $350,000 | $31,005,000 | $190,000 | $5,389,000 |
| Application Withdrawn By Applicant | 20 | $4,260,000 | $213,000 | $655,000 | $240,000 | $1,316,000 |
| Application Approved But Not Accepted | 15 | $2,065,000 | $137,000 | $495,000 | $85,000 | $150,000 |
| Application Denied By Financial Institution | 12 | $1,370,000 | $114,000 | $405,000 | $66,000 | $139,000 |
| 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 | 420 | $138,480,000 | $329,000 | $31,005,000 | $185,000 | $5,389,000 |
| 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 2022 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.
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