Iowa State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Iowa State Bank 2020 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 | Iowa State Bank 1101 Main Street Hull, IA 51239 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 816 |
| Total Mortgage Loan Application Amount | $141,780,000 |
| Average Mortgage Loan Application Amount | $170,250 |
| Highest Mortgage Loan Application Amount | $3,165,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $615,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Iowa 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 Iowa State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Iowa 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 Iowa State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Iowa 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 Iowa State Bank's mortgage activity for 2020.
| 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 | 363 | $ 58,025,000 | $ 159,000 | $ 90,000 |
| O'Brien County Iowa | 128 | $ 20,040,000 | $ 156,000 | $ 84,000 |
| Plymouth County Iowa | 87 | $ 17,465,000 | $ 200,000 | $ 98,000 |
| Lyon County Iowa | 25 | $ 4,285,000 | $ 171,000 | $ 81,000 |
| Dickinson County Iowa | 23 | $ 6,185,000 | $ 268,000 | $ 192,000 |
| Rock County Minnesota | 22 | $ 4,050,000 | $ 184,000 | $ 86,000 |
| Cherokee County Iowa | 13 | $ 1,405,000 | $ 108,000 | $ 63,000 |
| Woodbury County Iowa | 13 | $ 1,505,000 | $ 115,000 | $ 101,000 |
| Osceola County Iowa | 11 | $ 1,315,000 | $ 119,000 | $ 92,000 |
| Clay County Iowa | 9 | $ 1,455,000 | $ 161,000 | $ 141,000 |
| Lincoln County South Dakota | 8 | $ 1,340,000 | $ 167,000 | $ 69,000 |
| Minnehaha County South Dakota | 8 | $ 1,740,000 | $ 217,000 | $ 112,000 |
| Polk County Iowa | 7 | $ 1,825,000 | $ 260,000 | $ 119,000 |
| Story County Iowa | 5 | $ 1,145,000 | $ 229,000 | $ 121,000 |
| Hennepin County Minnesota | 5 | $ 1,135,000 | $ 227,000 | $ 99,000 |
| Nobles County Minnesota | 5 | $ 1,035,000 | $ 207,000 | $ 87,000 |
| Douglas County Nebraska | 5 | $ 895,000 | $ 179,000 | $ 107,000 |
| Sarpy County Nebraska | 5 | $ 1,375,000 | $ 275,000 | $ 128,000 |
| Union County South Dakota | 5 | $ 1,115,000 | $ 223,000 | $ 178,000 |
| Pottawattamie County Iowa | 4 | $ 560,000 | $ 140,000 | $ 98,000 |
| King County Washington | 4 | $ 1,240,000 | $ 310,000 | $ 124,000 |
| Dallas County Iowa | 3 | $ 975,000 | $ 325,000 | $ 175,000 |
| Emmet County Iowa | 3 | $ 715,000 | $ 238,000 | $ 76,000 |
| Johnson County Iowa | 3 | $ 465,000 | $ 155,000 | $ 123,000 |
| Dakota County Nebraska | 3 | $ 365,000 | $ 121,000 | $ 121,000 |
| Maricopa County Arizona | 2 | $ 320,000 | $ 160,000 | $ 128,000 |
| Mohave County Arizona | 2 | $ 450,000 | $ 225,000 | $ 103,000 |
| Larimer County Colorado | 2 | $ 720,000 | $ 360,000 | $ 135,000 |
| Boone County Iowa | 2 | $ 260,000 | $ 130,000 | $ 78,000 |
| Buena Vista County Iowa | 2 | $ 710,000 | $ 355,000 | $ 171,000 |
| Washington County Iowa | 2 | $ 180,000 | $ 90,000 | $ 48,000 |
| Winnebago County Iowa | 2 | $ 190,000 | $ 95,000 | $ 96,000 |
| Kandiyohi County Minnesota | 2 | $ 280,000 | $ 140,000 | $ 124,000 |
| Murray County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 141,000 |
| Scott County Minnesota | 2 | $ 680,000 | $ 340,000 | $ 206,000 |
| Stearns County Minnesota | 2 | $ 380,000 | $ 190,000 | $ 65,000 |
| District of Columbia County District Of Columbia | 1 | $ 575,000 | $ 575,000 | $ 298,000 |
| Lee County Florida | 1 | $ 355,000 | $ 355,000 | $ 160,000 |
| Black Hawk County Iowa | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Cerro Gordo County Iowa | 1 | $ 355,000 | $ 355,000 | $ 204,000 |
| Fayette County Iowa | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Humboldt County Iowa | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Iowa County Iowa | 1 | $ 345,000 | $ 345,000 | $ 270,000 |
| Jasper County Iowa | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Scott County Iowa | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Winneshiek County Iowa | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Oakland County Michigan | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Ottawa County Michigan | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Big Stone County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 244,000 |
| Crow Wing County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 136,000 |
| Jackson County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Le Sueur County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Martin County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 214,000 |
| Mille Lacs County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Ramsey County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Rice County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Washington County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Platte County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 148,000 |
| Clay County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Custer County South Dakota | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Potter County Texas | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Pierce County Washington | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| Snohomish County Washington | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Iowa State Bank in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 388 | $72,010,000 | $185,000 | $3,165,000 | $101,000 | $615,000 |
| Cash-out Refinancing | 220 | $36,540,000 | $166,000 | $425,000 | $99,000 | $559,000 |
| Home Purchase | 205 | $32,715,000 | $159,000 | $585,000 | $85,000 | $342,000 |
| Other Purpose | 3 | $515,000 | $171,000 | $235,000 | $79,000 | $99,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 711 | $120,165,000 | $169,000 | $2,285,000 | $95,000 | $593,000 |
| Not Provided | 87 | $16,215,000 | $186,000 | $585,000 | $109,000 | $615,000 |
| Not applicable | 8 | $4,360,000 | $545,000 | $3,165,000 | $0 | $0 |
| Hispanic | 6 | $470,000 | $78,000 | $185,000 | $53,000 | $67,000 |
| Asian | 2 | $320,000 | $160,000 | $235,000 | $86,000 | $92,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $69,000 | $69,000 |
| 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) | 777 | $136,855,000 | $176,000 | $3,165,000 | $99,000 | $615,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,925,000 | $126,000 | $295,000 | $48,000 | $92,000 |
| 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 | 766 | $133,890,000 | $174,000 | $3,165,000 | $97,000 | $615,000 |
| Application Withdrawn By Applicant | 28 | $4,550,000 | $162,000 | $365,000 | $98,000 | $220,000 |
| Application Denied By Financial Institution | 20 | $2,870,000 | $143,000 | $295,000 | $66,000 | $128,000 |
| Application Approved But Not Accepted | 2 | $470,000 | $235,000 | $285,000 | $74,000 | $86,000 |
| 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 | 816 | $141,780,000 | $173,000 | $3,165,000 | $96,000 | $615,000 |
| 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 Iowa State Bank's 2020 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 Iowa 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.