Principal Bank Mortgage Lending & HMDA Data, 2004

In 2004, Principal Bank of Des Moines, IA reported 4,923 mortgage applications totaling $287.4 million, down 39% from 2003. The average application was for $58,385, and applicants reported an average income of $79,219. 25% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Des Moines, IA (248), Chicago-Naperville-Joliet, IL (196) and Atlanta-Sandy Springs-Marietta, GA (167) (applications in parentheses).

Mortgage Company & Address Principal Bank
711 High Street
Des Moines, IA 50392
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,923
Total Mortgage Loan Application Amount $287,433,000
Average Mortgage Loan Application Amount $58,385
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $79,219
Highest Applicant Income $1,469,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Principal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Principal Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Polk, Iowa 203 $ 11,821,000 $ 58,231 $ 72,000
Cook, Illinois 109 $ 10,536,000 $ 96,660 $ 90,000
Maricopa, Arizona 71 $ 5,766,000 $ 81,211 $ 77,000
Hennepin, Minnesota 53 $ 2,632,000 $ 49,660 $ 86,000
Los Angeles, California 50 $ 6,252,000 $ 125,040 $ 97,000
Hillsborough, Florida 42 $ 2,154,000 $ 51,285 $ 85,000
Pinellas, Florida 41 $ 2,029,000 $ 49,487 $ 90,000
Middlesex, Massachusetts 41 $ 2,126,000 $ 51,853 $ 94,000
Clark, Nevada 41 $ 2,842,000 $ 69,317 $ 79,000
Douglas, Nebraska 37 $ 994,000 $ 26,864 $ 69,000
Orange, California 36 $ 5,459,000 $ 151,638 $ 108,000
Montgomery, Pennsylvania 35 $ 1,693,000 $ 48,371 $ 116,000
King, Washington 35 $ 5,712,000 $ 163,200 $ 79,000
Broward, Florida 34 $ 1,108,000 $ 32,588 $ 67,000
Gwinnett, Georgia 34 $ 1,108,000 $ 32,588 $ 80,000
St. Louis, Missouri 33 $ 2,980,000 $ 90,303 $ 93,000
Linn, Iowa 31 $ 805,000 $ 25,967 $ 78,000
DuPage, Illinois 30 $ 2,649,000 $ 88,300 $ 102,000
Allegheny, Pennsylvania 29 $ 842,000 $ 29,034 $ 66,000
Fairfax, Virginia 29 $ 5,636,000 $ 194,344 $ 92,000
Cobb, Georgia 28 $ 1,581,000 $ 56,464 $ 83,000
Ocean, New Jersey 28 $ 1,285,000 $ 45,892 $ 78,000
Will, Illinois 27 $ 2,944,000 $ 109,037 $ 110,000
Jackson, Missouri 27 $ 730,000 $ 27,037 $ 85,000
Stanislaus, California 26 $ 898,000 $ 34,538 $ 65,000
New Haven, Connecticut 26 $ 1,207,000 $ 46,423 $ 85,000
Lake, Illinois 26 $ 5,590,000 $ 215,000 $ 99,000
El Paso, Colorado 25 $ 1,243,000 $ 49,720 $ 84,000
Hartford, Connecticut 25 $ 784,000 $ 31,360 $ 83,000
Montgomery, Maryland 25 $ 3,770,000 $ 150,800 $ 76,000
San Diego, California 24 $ 2,869,000 $ 119,541 $ 83,000
Prince George's, Maryland 24 $ 1,769,000 $ 73,708 $ 84,000
Rockingham, New Hampshire 24 $ 1,058,000 $ 44,083 $ 104,000
Riverside, California 23 $ 1,597,000 $ 69,434 $ 66,000
Orange, Florida 23 $ 1,395,000 $ 60,652 $ 99,000
Prince William, Virginia 23 $ 1,751,000 $ 76,130 $ 82,000
Oakland, Michigan 22 $ 5,953,000 $ 270,590 $ 120,000
Monmouth, New Jersey 22 $ 1,020,000 $ 46,363 $ 96,000
York, Pennsylvania 22 $ 605,000 $ 27,500 $ 75,000
Whatcom, Washington 22 $ 737,000 $ 33,500 $ 56,000
DeKalb, Georgia 21 $ 1,739,000 $ 82,809 $ 78,000
Fulton, Georgia 21 $ 1,104,000 $ 52,571 $ 77,000
Tulsa, Oklahoma 21 $ 630,000 $ 30,000 $ 94,000
Multnomah, Oregon 21 $ 570,000 $ 27,142 $ 85,000
Chester, Pennsylvania 21 $ 689,000 $ 32,809 $ 90,000
Philadelphia, Pennsylvania 21 $ 444,000 $ 21,142 $ 60,000
Worcester, Massachusetts 20 $ 775,000 $ 38,750 $ 75,000
Bergen, New Jersey 20 $ 2,442,000 $ 122,100 $ 128,000
Franklin, Ohio 20 $ 1,371,000 $ 68,550 $ 61,000
New Castle, Delaware 19 $ 861,000 $ 45,315 $ 74,000
Duval, Florida 19 $ 452,000 $ 23,789 $ 64,000
Dallas, Iowa 19 $ 784,000 $ 41,263 $ 122,000
Wake, North Carolina 19 $ 475,000 $ 25,000 $ 75,000
Dakota, Minnesota 18 $ 1,255,000 $ 69,722 $ 97,000
Erie, New York 18 $ 372,000 $ 20,666 $ 81,000
Bucks, Pennsylvania 18 $ 682,000 $ 37,888 $ 91,000
Kern, California 17 $ 455,000 $ 26,764 $ 70,000
San Bernardino, California 17 $ 1,207,000 $ 71,000 $ 72,000
Fairfield, Connecticut 17 $ 2,316,000 $ 136,235 $ 115,000
Palm Beach, Florida 17 $ 805,000 $ 47,352 $ 51,000
Sarpy, Nebraska 17 $ 402,000 $ 23,647 $ 85,000
Cuyahoga, Ohio 17 $ 1,298,000 $ 76,352 $ 63,000
Denver, Colorado 16 $ 1,740,000 $ 108,750 $ 77,000
Larimer, Colorado 16 $ 1,162,000 $ 72,625 $ 58,000
Miami-Dade, Florida 16 $ 966,000 $ 60,375 $ 107,000
Johnson, Iowa 16 $ 669,000 $ 41,812 $ 107,000
Warren, Iowa 16 $ 650,000 $ 40,625 $ 76,000
Wayne, Michigan 16 $ 852,000 $ 53,250 $ 67,000
Middlesex, New Jersey 16 $ 905,000 $ 56,562 $ 84,000
Chesterfield, Virginia 16 $ 349,000 $ 21,812 $ 69,000
Virginia Beach, Virginia 16 $ 570,000 $ 35,625 $ 91,000
Contra Costa, California 15 $ 3,728,000 $ 248,533 $ 93,000
Jefferson, Colorado 15 $ 1,860,000 $ 124,000 $ 83,000
Kane, Illinois 15 $ 744,000 $ 49,600 $ 84,000
Johnson, Kansas 15 $ 784,000 $ 52,266 $ 87,000
Anoka, Minnesota 15 $ 475,000 $ 31,666 $ 82,000
Merrimack, New Hampshire 15 $ 519,000 $ 34,600 $ 70,000
Camden, New Jersey 15 $ 457,000 $ 30,466 $ 83,000
Loudoun, Virginia 15 $ 2,290,000 $ 152,666 $ 88,000
Story, Iowa 14 $ 268,000 $ 19,142 $ 72,000
Harford, Maryland 14 $ 620,000 $ 44,285 $ 90,000
Plymouth, Massachusetts 14 $ 521,000 $ 37,214 $ 57,000
Burlington, New Jersey 14 $ 592,000 $ 42,285 $ 73,000
Pierce, Washington 14 $ 386,000 $ 27,571 $ 82,000
Spokane, Washington 14 $ 536,000 $ 38,285 $ 92,000
Milwaukee, Wisconsin 14 $ 481,000 $ 34,357 $ 84,000
Weld, Colorado 13 $ 408,000 $ 31,384 $ 65,000
Anne Arundel, Maryland 13 $ 429,000 $ 33,000 $ 94,000
Essex, Massachusetts 13 $ 369,000 $ 28,384 $ 65,000
Butler, Ohio 13 $ 1,310,000 $ 100,769 $ 91,000
Oklahoma, Oklahoma 13 $ 416,000 $ 32,000 $ 48,000
Marion, Oregon 13 $ 415,000 $ 31,923 $ 70,000
Washington, Oregon 13 $ 362,000 $ 27,846 $ 86,000
Delaware, Pennsylvania 13 $ 1,132,000 $ 87,076 $ 123,000
Lehigh, Pennsylvania 13 $ 392,000 $ 30,153 $ 68,000
Waukesha, Wisconsin 13 $ 362,000 $ 27,846 $ 110,000
San Joaquin, California 12 $ 853,000 $ 71,083 $ 67,000
Arapahoe, Colorado 12 $ 793,000 $ 66,083 $ 61,000
Boulder, Colorado 12 $ 2,200,000 $ 183,333 $ 98,000
Brevard, Florida 12 $ 1,138,000 $ 94,833 $ 74,000
Okaloosa, Florida 12 $ 350,000 $ 29,166 $ 54,000
Baltimore, Maryland 12 $ 719,000 $ 59,916 $ 78,000
Scott, Minnesota 12 $ 555,000 $ 46,250 $ 97,000
Lancaster, Nebraska 12 $ 466,000 $ 38,833 $ 73,000
Hillsborough, New Hampshire 12 $ 314,000 $ 26,166 $ 80,000
Morris, New Jersey 12 $ 472,000 $ 39,333 $ 120,000
Bernalillo, New Mexico 12 $ 1,250,000 $ 104,166 $ 72,000
Mecklenburg, North Carolina 12 $ 241,000 $ 20,083 $ 69,000
Hamilton, Ohio 12 $ 1,570,000 $ 130,833 $ 73,000
Shelby, Tennessee 12 $ 690,000 $ 57,500 $ 63,000
Island, Washington 12 $ 329,000 $ 27,416 $ 70,000
Snohomish, Washington 12 $ 483,000 $ 40,250 $ 112,000
Alameda, California 11 $ 1,293,000 $ 117,545 $ 69,000
Sacramento, California 11 $ 787,000 $ 71,545 $ 80,000
Lee, Florida 11 $ 467,000 $ 42,454 $ 54,000
Pasco, Florida 11 $ 404,000 $ 36,727 $ 67,000
Marion, Indiana 11 $ 655,000 $ 59,545 $ 49,000
Suffolk, Massachusetts 11 $ 533,000 $ 48,454 $ 102,000
Washtenaw, Michigan 11 $ 1,687,000 $ 153,363 $ 94,000
Mercer, New Jersey 11 $ 640,000 $ 58,181 $ 105,000
Harris, Texas 11 $ 1,080,000 $ 98,181 $ 88,000
Salt Lake, Utah 11 $ 549,000 $ 49,909 $ 75,000
Laramie, Wyoming 11 $ 301,000 $ 27,363 $ 73,000
Pima, Arizona 10 $ 219,000 $ 21,900 $ 75,000
Pulaski, Arkansas 10 $ 179,000 $ 17,900 $ 56,000
Ventura, California 10 $ 772,000 $ 77,200 $ 108,000
McHenry, Illinois 10 $ 817,000 $ 81,700 $ 93,000
Boone, Kentucky 10 $ 249,000 $ 24,900 $ 72,000
Norfolk, Massachusetts 10 $ 845,000 $ 84,500 $ 122,000
Ingham, Michigan 10 $ 222,000 $ 22,200 $ 63,000
St. Charles, Missouri 10 $ 251,000 $ 25,100 $ 70,000
Hudson, New Jersey 10 $ 683,000 $ 68,300 $ 94,000
Greenville, South Carolina 10 $ 677,000 $ 67,700 $ 63,000
Fresno, California 9 $ 418,000 $ 46,444 $ 83,000
Adams, Colorado 9 $ 260,000 $ 28,888 $ 71,000
Douglas, Colorado 9 $ 865,000 $ 96,111 $ 64,000
District of Columbia, District Of Columbia 9 $ 3,220,000 $ 357,777 $ 88,000
Fayette, Georgia 9 $ 465,000 $ 51,666 $ 112,000
Forsyth, Georgia 9 $ 724,000 $ 80,444 $ 92,000
Lake, Indiana 9 $ 244,000 $ 27,111 $ 79,000
Black Hawk, Iowa 9 $ 249,000 $ 27,666 $ 79,000
Orleans, Louisiana 9 $ 294,000 $ 32,666 $ 64,000
York, Maine 9 $ 436,000 $ 48,444 $ 104,000
Howard, Maryland 9 $ 341,000 $ 37,888 $ 97,000
Ramsey, Minnesota 9 $ 273,000 $ 30,333 $ 70,000
Essex, New Jersey 9 $ 1,005,000 $ 111,666 $ 123,000
Union, New Jersey 9 $ 386,000 $ 42,888 $ 119,000
Cumberland, North Carolina 9 $ 288,000 $ 32,000 $ 69,000
Northampton, Pennsylvania 9 $ 243,000 $ 27,000 $ 65,000
Richland, South Carolina 9 $ 199,000 $ 22,111 $ 61,000
Henrico, Virginia 9 $ 406,000 $ 45,111 $ 95,000
Spotsylvania, Virginia 9 $ 298,000 $ 33,111 $ 118,000
New London, Connecticut 8 $ 193,000 $ 24,125 $ 85,000
Sarasota, Florida 8 $ 213,000 $ 26,625 $ 50,000
Paulding, Georgia 8 $ 243,000 $ 30,375 $ 62,000
Scott, Iowa 8 $ 162,000 $ 20,250 $ 93,000
Sedgwick, Kansas 8 $ 257,000 $ 32,125 $ 78,000
Jefferson, Kentucky 8 $ 209,000 $ 26,125 $ 72,000
Carroll, Maryland 8 $ 697,000 $ 87,125 $ 157,000
Frederick, Maryland 8 $ 514,000 $ 64,250 $ 84,000
Washoe, Nevada 8 $ 455,000 $ 56,875 $ 46,000
Gloucester, New Jersey 8 $ 681,000 $ 85,125 $ 103,000
Passaic, New Jersey 8 $ 582,000 $ 72,750 $ 129,000
Santa Fe, New Mexico 8 $ 807,000 $ 100,875 $ 54,000
Forsyth, North Carolina 8 $ 161,000 $ 20,125 $ 68,000
Clackamas, Oregon 8 $ 262,000 $ 32,750 $ 73,000
Jackson, Oregon 8 $ 225,000 $ 28,125 $ 73,000
Berks, Pennsylvania 8 $ 251,000 $ 31,375 $ 73,000
Lancaster, Pennsylvania 8 $ 207,000 $ 25,875 $ 59,000
Charleston, South Carolina 8 $ 267,000 $ 33,375 $ 60,000
Lexington, South Carolina 8 $ 174,000 $ 21,750 $ 60,000
Dallas, Texas 8 $ 1,895,000 $ 236,875 $ 126,000
Clark, Washington 8 $ 335,000 $ 41,875 $ 85,000
Thurston, Washington 8 $ 144,000 $ 18,000 $ 75,000
Anchorage, Alaska 7 $ 166,000 $ 23,714 $ 99,000
Kings, California 7 $ 177,000 $ 25,285 $ 66,000
Santa Clara, California 7 $ 2,436,000 $ 348,000 $ 77,000
Clay, Florida 7 $ 129,000 $ 18,428 $ 59,000
Polk, Florida 7 $ 158,000 $ 22,571 $ 62,000
Volusia, Florida 7 $ 242,000 $ 34,571 $ 54,000
Ada, Idaho 7 $ 195,000 $ 27,857 $ 68,000
Winnebago, Illinois 7 $ 96,000 $ 13,714 $ 48,000
Hamilton, Indiana 7 $ 302,000 $ 43,142 $ 96,000
Madison, Iowa 7 $ 286,000 $ 40,857 $ 54,000
Campbell, Kentucky 7 $ 190,000 $ 27,142 $ 57,000
Kenton, Kentucky 7 $ 155,000 $ 22,142 $ 53,000
East Baton Rouge, Louisiana 7 $ 213,000 $ 30,428 $ 99,000
Cumberland, Maine 7 $ 603,000 $ 86,142 $ 119,000
Baltimore City, Maryland 7 $ 497,000 $ 71,000 $ 55,000
Bristol, Massachusetts 7 $ 242,000 $ 34,571 $ 113,000
Hampden, Massachusetts 7 $ 217,000 $ 31,000 $ 64,000
Stearns, Minnesota 7 $ 352,000 $ 50,285 $ 60,000
Washington, Minnesota 7 $ 153,000 $ 21,857 $ 73,000
Clay, Missouri 7 $ 125,000 $ 17,857 $ 104,000
Jefferson, Missouri 7 $ 140,000 $ 20,000 $ 57,000
Atlantic, New Jersey 7 $ 205,000 $ 29,285 $ 98,000
Nassau, New York 7 $ 418,000 $ 59,714 $ 118,000
Queens, New York 7 $ 460,000 $ 65,714 $ 80,000
Utah, Utah 7 $ 258,000 $ 36,857 $ 78,000
Jefferson, Alabama 6 $ 457,000 $ 76,166 $ 84,000
Mesa, Colorado 6 $ 334,000 $ 55,666 $ 63,000
Hernando, Florida 6 $ 169,000 $ 28,166 $ 64,000
Leon, Florida 6 $ 151,000 $ 25,166 $ 59,000
Manatee, Florida 6 $ 125,000 $ 20,833 $ 46,000
Cherokee, Georgia 6 $ 362,000 $ 60,333 $ 75,000
Clayton, Georgia 6 $ 131,000 $ 21,833 $ 49,000
Columbia, Georgia 6 $ 87,000 $ 14,500 $ 104,000
Hall, Georgia 6 $ 233,000 $ 38,833 $ 71,000
Calvert, Maryland 6 $ 898,000 $ 149,666 $ 62,000
Eaton, Michigan 6 $ 126,000 $ 21,000 $ 79,000
Carver, Minnesota 6 $ 182,000 $ 30,333 $ 77,000
Yellowstone, Montana 6 $ 210,000 $ 35,000 $ 74,000
Sussex, New Jersey 6 $ 276,000 $ 46,000 $ 117,000
Monroe, New York 6 $ 111,000 $ 18,500 $ 54,000
Niagara, New York 6 $ 145,000 $ 24,166 $ 56,000
Orange, New York 6 $ 263,000 $ 43,833 $ 95,000
Davidson, North Carolina 6 $ 210,000 $ 35,000 $ 82,000
Clermont, Ohio 6 $ 144,000 $ 24,000 $ 63,000
Cumberland, Pennsylvania 6 $ 205,000 $ 34,166 $ 56,000
Providence, Rhode Island 6 $ 154,000 $ 25,666 $ 59,000
Travis, Texas 6 $ 757,000 $ 126,166 $ 110,000
Arlington, Virginia 6 $ 869,000 $ 144,833 $ 86,000
Hampton, Virginia 6 $ 105,000 $ 17,500 $ 54,000
Skagit, Washington 6 $ 134,000 $ 22,333 $ 58,000
Berkeley, West Virginia 6 $ 72,000 $ 12,000 $ 54,000
Matanuska-Susitna, Alaska 5 $ 135,000 $ 27,000 $ 86,000
Tulare, California 5 $ 159,000 $ 31,800 $ 63,000
Kent, Delaware 5 $ 152,000 $ 30,400 $ 56,000
Charlotte, Florida 5 $ 155,000 $ 31,000 $ 45,000
Seminole, Florida 5 $ 123,000 $ 24,600 $ 77,000
St. Lucie, Florida 5 $ 119,000 $ 23,800 $ 58,000
Honolulu, Hawaii 5 $ 690,000 $ 138,000 $ 51,000
McLean, Illinois 5 $ 150,000 $ 30,000 $ 83,000
Jasper, Iowa 5 $ 131,000 $ 26,200 $ 61,000
Marion, Iowa 5 $ 154,000 $ 30,800 $ 62,000
Muscatine, Iowa 5 $ 99,000 $ 19,800 $ 55,000
Fayette, Kentucky 5 $ 103,000 $ 20,600 $ 71,000
Ascension, Louisiana 5 $ 128,000 $ 25,600 $ 91,000
Charles, Maryland 5 $ 150,000 $ 30,000 $ 66,000
St. Mary's, Maryland 5 $ 205,000 $ 41,000 $ 84,000
Berrien, Michigan 5 $ 194,000 $ 38,800 $ 64,000
Kent, Michigan 5 $ 85,000 $ 17,000 $ 73,000
Macomb, Michigan 5 $ 153,000 $ 30,600 $ 63,000
Clay, Minnesota 5 $ 85,000 $ 17,000 $ 71,000
Greene, Missouri 5 $ 112,000 $ 22,400 $ 49,000
Hall, Nebraska 5 $ 138,000 $ 27,600 $ 50,000
Carroll, New Hampshire 5 $ 454,000 $ 90,800 $ 36,000
Hunterdon, New Jersey 5 $ 326,000 $ 65,200 $ 132,000
Somerset, New Jersey 5 $ 100,000 $ 20,000 $ 83,000
Warren, New Jersey 5 $ 215,000 $ 43,000 $ 111,000
Sandoval, New Mexico 5 $ 130,000 $ 26,000 $ 67,000
Suffolk, New York 5 $ 603,000 $ 120,600 $ 105,000
Westchester, New York 5 $ 265,000 $ 53,000 $ 82,000
Cass, North Dakota 5 $ 138,000 $ 27,600 $ 55,000
Delaware, Ohio 5 $ 1,195,000 $ 239,000 $ 135,000
Lake, Ohio 5 $ 92,000 $ 18,400 $ 77,000
Blair, Pennsylvania 5 $ 174,000 $ 34,800 $ 71,000
Dauphin, Pennsylvania 5 $ 127,000 $ 25,400 $ 96,000
Westmoreland, Pennsylvania 5 $ 83,000 $ 16,600 $ 51,000
Summit, Utah 5 $ 2,242,000 $ 448,400 $ 547,000
Weber, Utah 5 $ 198,000 $ 39,600 $ 58,000
Chittenden, Vermont 5 $ 109,000 $ 21,800 $ 62,000
Hanover, Virginia 5 $ 140,000 $ 28,000 $ 93,000
Norfolk, Virginia 5 $ 141,000 $ 28,200 $ 61,000
Richmond City, Virginia 5 $ 76,000 $ 15,200 $ 38,000
Dane, Wisconsin 5 $ 482,000 $ 96,400 $ 99,000
Ozaukee, Wisconsin 5 $ 97,000 $ 19,400 $ 95,000
Coconino, Arizona 4 $ 200,000 $ 50,000 $ 80,000
Benton, Arkansas 4 $ 52,000 $ 13,000 $ 60,000
Pueblo, Colorado 4 $ 159,000 $ 39,750 $ 59,000
Litchfield, Connecticut 4 $ 357,000 $ 89,250 $ 67,000
Collier, Florida 4 $ 100,000 $ 25,000 $ 68,000
Escambia, Florida 4 $ 408,000 $ 102,000 $ 87,000
Douglas, Georgia 4 $ 456,000 $ 114,000 $ 36,000
Haralson, Georgia 4 $ 95,000 $ 23,750 $ 47,000
Whitfield, Georgia 4 $ 54,000 $ 13,500 $ 55,000
Madison, Illinois 4 $ 94,000 $ 23,500 $ 86,000
Monroe, Illinois 4 $ 89,000 $ 22,250 $ 79,000
Allen, Indiana 4 $ 602,000 $ 150,500 $ 58,000
Johnson, Indiana 4 $ 199,000 $ 49,750 $ 91,000
Pottawattamie, Iowa 4 $ 60,000 $ 15,000 $ 63,000
Jessamine, Kentucky 4 $ 120,000 $ 30,000 $ 80,000
Penobscot, Maine 4 $ 77,000 $ 19,250 $ 60,000
Genesee, Michigan 4 $ 252,000 $ 63,000 $ 29,000
Livingston, Michigan 4 $ 1,184,000 $ 296,000 $ 89,000
Mower, Minnesota 4 $ 64,000 $ 16,000 $ 56,000
Otter Tail, Minnesota 4 $ 182,000 $ 45,500 $ 82,000
Sherburne, Minnesota 4 $ 251,000 $ 62,750 $ 77,000
Wright, Minnesota 4 $ 130,000 $ 32,500 $ 121,000
Platte, Missouri 4 $ 249,000 $ 62,250 $ 69,000
Missoula, Montana 4 $ 147,000 $ 36,750 $ 117,000
Grafton, New Hampshire 4 $ 125,000 $ 31,250 $ 129,000
Strafford, New Hampshire 4 $ 151,000 $ 37,750 $ 83,000
Saratoga, New York 4 $ 143,000 $ 35,750 $ 80,000
Carteret, North Carolina 4 $ 97,000 $ 24,250 $ 97,000
Catawba, North Carolina 4 $ 125,000 $ 31,250 $ 175,000
Greene, Ohio 4 $ 130,000 $ 32,500 $ 78,000
Lorain, Ohio 4 $ 127,000 $ 31,750 $ 56,000
Summit, Ohio 4 $ 72,000 $ 18,000 $ 71,000
Warren, Ohio 4 $ 134,000 $ 33,500 $ 106,000
Canadian, Oklahoma 4 $ 69,000 $ 17,250 $ 53,000
Deschutes, Oregon 4 $ 795,000 $ 198,750 $ 39,000
Josephine, Oregon 4 $ 103,000 $ 25,750 $ 61,000
Lane, Oregon 4 $ 103,000 $ 25,750 $ 75,000
Polk, Oregon 4 $ 132,000 $ 33,000 $ 86,000
Yamhill, Oregon 4 $ 86,000 $ 21,500 $ 82,000
Erie, Pennsylvania 4 $ 100,000 $ 25,000 $ 60,000
Dorchester, South Carolina 4 $ 85,000 $ 21,250 $ 75,000
Minnehaha, South Dakota 4 $ 140,000 $ 35,000 $ 68,000
Hamilton, Tennessee 4 $ 115,000 $ 28,750 $ 86,000
Knox, Tennessee 4 $ 87,000 $ 21,750 $ 166,000
Sumner, Tennessee 4 $ 286,000 $ 71,500 $ 78,000
Bexar, Texas 4 $ 781,000 $ 195,250 $ 67,000
Denton, Texas 4 $ 443,000 $ 110,750 $ 70,000
Tarrant, Texas 4 $ 998,000 $ 249,500 $ 126,000
Alexandria, Virginia 4 $ 2,035,000 $ 508,750 $ 115,000
Chesapeake, Virginia 4 $ 73,000 $ 18,250 $ 73,000
Frederick, Virginia 4 $ 213,000 $ 53,250 $ 85,000
Newport News, Virginia 4 $ 89,000 $ 22,250 $ 57,000
Suffolk, Virginia 4 $ 100,000 $ 25,000 $ 77,000
Kitsap, Washington 4 $ 176,000 $ 44,000 $ 84,000
Washington, Wisconsin 4 $ 132,000 $ 33,000 $ 48,000
Albany, Wyoming 4 $ 111,000 $ 27,750 $ 87,000
Natrona, Wyoming 4 $ 270,000 $ 67,500 $ 49,000
Elmore, Alabama 3 $ 95,000 $ 31,666 $ 79,000
Limestone, Alabama 3 $ 58,000 $ 19,333 $ 63,000
Mobile, Alabama 3 $ 86,000 $ 28,666 $ 38,000
Shelby, Alabama 3 $ 69,000 $ 23,000 $ 53,000
Cleburne, Arkansas 3 $ 43,000 $ 14,333 $ 51,000
Crawford, Arkansas 3 $ 47,000 $ 15,666 $ 95,000
Shasta, California 3 $ 96,000 $ 32,000 $ 93,000
Solano, California 3 $ 295,000 $ 98,333 $ 93,000
Tolland, Connecticut 3 $ 108,000 $ 36,000 $ 213,000
Lake, Florida 3 $ 67,000 $ 22,333 $ 50,000
Nassau, Florida 3 $ 117,000 $ 39,000 $ 73,000
Osceola, Florida 3 $ 394,000 $ 131,333 $ 25,000
Santa Rosa, Florida 3 $ 64,000 $ 21,333 $ 47,000
St. Johns, Florida 3 $ 112,000 $ 37,333 $ 103,000
Carroll, Georgia 3 $ 142,000 $ 47,333 $ 88,000
Coweta, Georgia 3 $ 279,000 $ 93,000 $ 140,000
Glynn, Georgia 3 $ 221,000 $ 73,666 $ 45,000
Lumpkin, Georgia 3 $ 149,000 $ 49,666 $ 157,000
Spalding, Georgia 3 $ 102,000 $ 34,000 $ 62,000
Walton, Georgia 3 $ 54,000 $ 18,000 $ 47,000
Bannock, Idaho 3 $ 46,000 $ 15,333 $ 65,000
Kootenai, Idaho 3 $ 27,000 $ 9,000 $ 52,000
Kendall, Illinois 3 $ 81,000 $ 27,000 $ 94,000
Peoria, Illinois 3 $ 55,000 $ 18,333 $ 76,000
St. Clair, Illinois 3 $ 50,000 $ 16,666 $ 43,000
St. Joseph, Indiana 3 $ 75,000 $ 25,000 $ 99,000
Carroll, Iowa 3 $ 87,000 $ 29,000 $ 68,000
Cedar, Iowa 3 $ 93,000 $ 31,000 $ 74,000
Guthrie, Iowa 3 $ 80,000 $ 26,666 $ 53,000
Washington, Iowa 3 $ 65,000 $ 21,666 $ 79,000
Woodbury, Iowa 3 $ 59,000 $ 19,666 $ 68,000
Scott, Kentucky 3 $ 85,000 $ 28,333 $ 64,000
St. Charles, Louisiana 3 $ 63,000 $ 21,000 $ 103,000
Cecil, Maryland 3 $ 136,000 $ 45,333 $ 73,000
Worcester, Maryland 3 $ 378,000 $ 126,000 $ 81,000
Barnstable, Massachusetts 3 $ 110,000 $ 36,666 $ 71,000
Allegan, Michigan 3 $ 127,000 $ 42,333 $ 106,000
Calhoun, Michigan 3 $ 66,000 $ 22,000 $ 118,000
Kalamazoo, Michigan 3 $ 70,000 $ 23,333 $ 55,000
Becker, Minnesota 3 $ 95,000 $ 31,666 $ 57,000
Cass, Minnesota 3 $ 846,000 $ 282,000 $ 119,000
Isanti, Minnesota 3 $ 330,000 $ 110,000 $ 29,000
Polk, Minnesota 3 $ 40,000 $ 13,333 $ 70,000
Cape Girardeau, Missouri 3 $ 35,000 $ 11,666 $ 41,000
St. Louis City, Missouri 3 $ 43,000 $ 14,333 $ 56,000
Adams, Nebraska 3 $ 34,000 $ 11,333 $ 46,000
Madison, Nebraska 3 $ 218,000 $ 72,666 $ 45,000
Platte, Nebraska 3 $ 75,000 $ 25,000 $ 61,000
Cape May, New Jersey 3 $ 85,000 $ 28,333 $ 46,000
New York, New York 3 $ 1,051,000 $ 350,333 $ 256,000
Oneida, New York 3 $ 85,000 $ 28,333 $ 70,000
Onondaga, New York 3 $ 44,000 $ 14,666 $ 72,000
Putnam, New York 3 $ 180,000 $ 60,000 $ 99,000
Schenectady, New York 3 $ 50,000 $ 16,666 $ 46,000
Warren, New York 3 $ 90,000 $ 30,000 $ 54,000
Guilford, North Carolina 3 $ 57,000 $ 19,000 $ 99,000
Johnston, North Carolina 3 $ 73,000 $ 24,333 $ 64,000
New Hanover, North Carolina 3 $ 124,000 $ 41,333 $ 136,000
Union, North Carolina 3 $ 155,000 $ 51,666 $ 58,000
Auglaize, Ohio 3 $ 66,000 $ 22,000 $ 82,000
Fairfield, Ohio 3 $ 55,000 $ 18,333 $ 79,000
Geauga, Ohio 3 $ 44,000 $ 14,666 $ 71,000
Knox, Ohio 3 $ 81,000 $ 27,000 $ 66,000
Lucas, Ohio 3 $ 25,000 $ 8,333 $ 64,000
Medina, Ohio 3 $ 60,000 $ 20,000 $ 49,000
Montgomery, Ohio 3 $ 462,000 $ 154,000 $ 70,000
Stark, Ohio 3 $ 73,000 $ 24,333 $ 112,000
Garfield, Oklahoma 3 $ 48,000 $ 16,000 $ 41,000
Umatilla, Oregon 3 $ 41,000 $ 13,666 $ 57,000
Franklin, Pennsylvania 3 $ 102,000 $ 34,000 $ 79,000
Lackawanna, Pennsylvania 3 $ 192,000 $ 64,000 $ 67,000
Lebanon, Pennsylvania 3 $ 71,000 $ 23,666 $ 135,000
Washington, Pennsylvania 3 $ 141,000 $ 47,000 $ 127,000
Wayne, Pennsylvania 3 $ 59,000 $ 19,666 $ 84,000
Kent, Rhode Island 3 $ 54,000 $ 18,000 $ 61,000
Berkeley, South Carolina 3 $ 62,000 $ 20,666 $ 52,000
Horry, South Carolina 3 $ 65,000 $ 21,666 $ 58,000
Collin, Texas 3 $ 393,000 $ 131,000 $ 39,000
Smith, Texas 3 $ 165,000 $ 55,000 $ 276,000
Washington, Vermont 3 $ 105,000 $ 35,000 $ 68,000
Albemarle, Virginia 3 $ 78,000 $ 26,000 $ 116,000
Gloucester, Virginia 3 $ 100,000 $ 33,333 $ 63,000
Benton, Washington 3 $ 41,000 $ 13,666 $ 67,000
Brown, Wisconsin 3 $ 80,000 $ 26,666 $ 125,000
Marathon, Wisconsin 3 $ 133,000 $ 44,333 $ 67,000
Sweetwater, Wyoming 3 $ 49,000 $ 16,333 $ 73,000
Cullman, Alabama 2 $ 51,000 $ 25,500 $ 74,000
Macon, Alabama 2 $ 160,000 $ 80,000 $ 74,000
Madison, Alabama 2 $ 265,000 $ 132,500 $ 55,000
Morgan, Alabama 2 $ 30,000 $ 15,000 $ 26,000
Gila, Arizona 2 $ 402,000 $ 201,000 $ 21,000
Yavapai, Arizona 2 $ 60,000 $ 30,000 $ 75,000
Faulkner, Arkansas 2 $ 36,000 $ 18,000 $ 61,000
Jefferson, Arkansas 2 $ 20,000 $ 10,000 $ 57,000
Lonoke, Arkansas 2 $ 40,000 $ 20,000 $ 78,000
Mendocino, California 2 $ 194,000 $ 97,000 $ 24,000
Merced, California 2 $ 100,000 $ 50,000 $ 102,000
San Francisco, California 2 $ 407,000 $ 203,500 $ 187,000
San Luis Obispo, California 2 $ 95,000 $ 47,500 $ 73,000
Yolo, California 2 $ 35,000 $ 17,500 $ 70,000
Broomfield, Colorado 2 $ 203,000 $ 101,500 $ 45,000
Rio Blanco, Colorado 2 $ 37,000 $ 18,500 $ 59,000
Summit, Colorado 2 $ 622,000 $ 311,000 $ 52,000
Teller, Colorado 2 $ 68,000 $ 34,000 $ 59,000
Alachua, Florida 2 $ 80,000 $ 40,000 $ 117,000
Flagler, Florida 2 $ 30,000 $ 15,000 $ 41,000
Highlands, Florida 2 $ 62,000 $ 31,000 $ 66,000
Martin, Florida 2 $ 664,000 $ 332,000 $ 111,000
Catoosa, Georgia 2 $ 49,000 $ 24,500 $ 65,000
Clarke, Georgia 2 $ 35,000 $ 17,500 $ 74,000
Gilmer, Georgia 2 $ 35,000 $ 17,500 $ 55,000
Rockdale, Georgia 2 $ 50,000 $ 25,000 $ 108,000
Champaign, Illinois 2 $ 531,000 $ 265,500 $ 246,000
LaSalle, Illinois 2 $ 28,000 $ 14,000 $ 41,000
Sangamon, Illinois 2 $ 26,000 $ 13,000 $ 93,000
Delaware, Indiana 2 $ 64,000 $ 32,000 $ 120,000
Fayette, Indiana 2 $ 40,000 $ 20,000 $ 67,000
Monroe, Indiana 2 $ 27,000 $ 13,500 $ 27,000
Porter, Indiana 2 $ 80,000 $ 40,000 $ 52,000
Wells, Indiana 2 $ 26,000 $ 13,000 $ 43,000
Adair, Iowa 2 $ 30,000 $ 15,000 $ 59,000
Benton, Iowa 2 $ 62,000 $ 31,000 $ 66,000
Boone, Iowa 2 $ 53,000 $ 26,500 $ 108,000
Bremer, Iowa 2 $ 59,000 $ 29,500 $ 77,000
Fayette, Iowa 2 $ 60,000 $ 30,000 $ 98,000
Franklin, Iowa 2 $ 105,000 $ 52,500 $ 84,000
Lucas, Iowa 2 $ 30,000 $ 15,000 $ 89,000
Marshall, Iowa 2 $ 134,000 $ 67,000 $ 57,000
Leavenworth, Kansas 2 $ 70,000 $ 35,000 $ 93,000
Osage, Kansas 2 $ 32,000 $ 16,000 $ 55,000
Shawnee, Kansas 2 $ 45,000 $ 22,500 $ 44,000
Franklin, Kentucky 2 $ 37,000 $ 18,500 $ 71,000
Madison, Kentucky 2 $ 20,000 $ 10,000 $ 65,000
Caddo, Louisiana 2 $ 60,000 $ 30,000 $ 77,000
Cameron, Louisiana 2 $ 33,000 $ 16,500 $ 49,000
St. Landry, Louisiana 2 $ 35,000 $ 17,500 $ 32,000
Sagadahoc, Maine 2 $ 35,000 $ 17,500 $ 55,000
Queen Anne's, Maryland 2 $ 54,000 $ 27,000 $ 128,000
Hampshire, Massachusetts 2 $ 57,000 $ 28,500 $ 126,000
Clinton, Michigan 2 $ 45,000 $ 22,500 $ 80,000
Hillsdale, Michigan 2 $ 32,000 $ 16,000 $ 70,000
Lapeer, Michigan 2 $ 80,000 $ 40,000 $ 91,000
Leelanau, Michigan 2 $ 805,000 $ 402,500 $ 66,000
Muskegon, Michigan 2 $ 55,000 $ 27,500 $ 61,000
Van Buren, Michigan 2 $ 22,000 $ 11,000 $ 55,000
Benton, Minnesota 2 $ 177,000 $ 88,500 $ 66,000
Blue Earth, Minnesota 2 $ 50,000 $ 25,000 $ 84,000
Carlton, Minnesota 2 $ 51,000 $ 25,500 $ 61,000
Crow Wing, Minnesota 2 $ 67,000 $ 33,500 $ 156,000
Goodhue, Minnesota 2 $ 42,000 $ 21,000 $ 58,000
Kandiyohi, Minnesota 2 $ 40,000 $ 20,000 $ 42,000
Le Sueur, Minnesota 2 $ 201,000 $ 100,500 $ 156,000
Jackson, Mississippi 2 $ 25,000 $ 12,500 $ 33,000
Rankin, Mississippi 2 $ 42,000 $ 21,000 $ 97,000
Cass, Missouri 2 $ 599,000 $ 299,500 $ 107,000
Cole, Missouri 2 $ 25,000 $ 12,500 $ 68,000
Jasper, Missouri 2 $ 39,000 $ 19,500 $ 58,000
Phelps, Missouri 2 $ 40,000 $ 20,000 $ 64,000
Stoddard, Missouri 2 $ 24,000 $ 12,000 $ 38,000
Carbon, Montana 2 $ 55,000 $ 27,500 $ 86,000
Gallatin, Montana 2 $ 80,000 $ 40,000 $ 42,000
Buffalo, Nebraska 2 $ 32,000 $ 16,000 $ 83,000
Butler, Nebraska 2 $ 45,000 $ 22,500 $ 63,000
Custer, Nebraska 2 $ 45,000 $ 22,500 $ 61,000
Dawson, Nebraska 2 $ 61,000 $ 30,500 $ 171,000
Howard, Nebraska 2 $ 18,000 $ 9,000 $ 17,000
Saunders, Nebraska 2 $ 55,000 $ 27,500 $ 60,000
Washington, Nebraska 2 $ 52,000 $ 26,000 $ 89,000
Belknap, New Hampshire 2 $ 43,000 $ 21,500 $ 75,000
Cumberland, New Jersey 2 $ 40,000 $ 20,000 $ 42,000
Otero, New Mexico 2 $ 137,000 $ 68,500 $ 72,000
San Juan, New Mexico 2 $ 31,000 $ 15,500 $ 60,000
Albany, New York 2 $ 43,000 $ 21,500 $ 94,000
Clinton, New York 2 $ 30,000 $ 15,000 $ 83,000
Dutchess, New York 2 $ 30,000 $ 15,000 $ 88,000
Jefferson, New York 2 $ 26,000 $ 13,000 $ 56,000
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Mortgage Loan Application Detail Totals for Principal Bank in 2004

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 Improvement 3,115 $88,915,000 $26,549 $800,000 $72,352 $600,000
Home Purchase 924 $74,641,000 $78,280 $1,000,000 $93,400 $1,258,000
Refinancing 884 $123,877,000 $115,551 $1,000,000 $82,306 $1,469,000

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 2,873 $115,063,000 $41,215 $999,000 $82,156 $1,469,000
Not Provided 912 $42,935,000 $37,600 $992,000 $82,460 $626,000
Not applicable 483 $105,689,000 $218,534 $1,000,000 $55,093 $600,000
Hispanic 263 $7,943,000 $30,256 $350,000 $76,564 $415,000
Black or African American 211 $7,394,000 $29,352 $789,000 $68,117 $320,000
Asian 134 $6,731,000 $42,419 $499,000 $83,129 $340,000
American Indian or Alaskan Native 25 $1,001,000 $47,882 $422,000 $62,588 $192,000
Native Hawaiian or Other Pacific Islander 22 $677,000 $25,818 $100,000 $56,181 $168,000

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) 4,923 $287,433,000 $56,647 $1,000,000 $77,411 $1,469,000
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
Application Denied By Financial Institution 1,672 $47,296,000 $25,352 $650,000 $63,117 $466,000
Loan Originated 1,213 $37,714,000 $27,280 $200,000 $84,100 $415,000
Loan Purchased By The Institution 1,127 $164,813,000 $141,640 $1,000,000 $88,140 $1,469,000
Application Approved But Not Accepted 911 $37,610,000 $41,083 $800,000 $89,020 $600,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 1,003 $31,327,000 $28,632 $650,000 $58,959 $410,000
Credit History 612 $14,497,000 $21,437 $640,000 $72,000 $466,000
Collateral 45 $823,000 $18,173 $55,000 $65,391 $110,000
Employment History 11 $627,000 $41,200 $400,000 $78,500 $150,000
Credit Application Incomplete 1 $22,000 $22,000 $22,000 $1,000 $1,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Principal Bank's 2004 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 Principal 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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