Principal Bank Mortgage Lending & HMDA Data, 2005

In 2005, Principal Bank of Des Moines, IA reported 2,280 mortgage applications totaling $407.6 million, down 54% from 2004. The average application was for $178,756, and applicants reported an average income of $93,546. 20% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (389), Des Moines, IA (132) and Chicago-Naperville-Joliet, IL (80) (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 2,280
Total Mortgage Loan Application Amount $407,564,000
Average Mortgage Loan Application Amount $178,756
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $93,546
Highest Applicant Income $873,000

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Act (HMDA) records Principal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 111 $ 9,883,000 $ 89,036 $ 101,000
Polk, Iowa 101 $ 3,262,000 $ 32,297 $ 84,000
Anoka, Minnesota 68 $ 4,106,000 $ 60,382 $ 82,000
Dakota, Minnesota 59 $ 3,049,000 $ 51,677 $ 69,000
Cook, Illinois 53 $ 13,358,000 $ 252,037 $ 88,000
Maricopa, Arizona 48 $ 7,942,000 $ 165,458 $ 80,000
Ramsey, Minnesota 48 $ 3,231,000 $ 67,312 $ 113,000
Washington, Minnesota 37 $ 3,179,000 $ 85,918 $ 67,000
Montgomery, Maryland 34 $ 12,538,000 $ 368,764 $ 154,000
Fairfax, Virginia 29 $ 8,301,000 $ 286,241 $ 101,000
King, Washington 29 $ 8,013,000 $ 276,310 $ 112,000
Washoe, Nevada 28 $ 9,071,000 $ 323,964 $ 110,000
Santa Clara, California 27 $ 12,347,000 $ 457,296 $ 131,000
Fulton, Georgia 26 $ 3,078,000 $ 118,384 $ 119,000
Los Angeles, California 25 $ 6,028,000 $ 241,120 $ 136,000
Clark, Nevada 22 $ 4,555,000 $ 207,045 $ 102,000
Wright, Minnesota 21 $ 863,000 $ 41,095 $ 69,000
San Diego, California 20 $ 6,463,000 $ 323,150 $ 125,000
Broward, Florida 19 $ 4,779,000 $ 251,526 $ 88,000
Virginia Beach, Virginia 17 $ 3,055,000 $ 179,705 $ 66,000
Alameda, California 16 $ 4,845,000 $ 302,812 $ 131,000
Scott, Minnesota 15 $ 1,156,000 $ 77,066 $ 92,000
Loudoun, Virginia 15 $ 4,107,000 $ 273,800 $ 141,000
Warren, Iowa 14 $ 617,000 $ 44,071 $ 87,000
Middlesex, Massachusetts 14 $ 4,271,000 $ 305,071 $ 93,000
Prince William, Virginia 14 $ 3,714,000 $ 265,285 $ 97,000
Riverside, California 13 $ 3,805,000 $ 292,692 $ 109,000
District of Columbia, District Of Columbia 13 $ 5,121,000 $ 393,923 $ 94,000
DuPage, Illinois 13 $ 5,207,000 $ 400,538 $ 124,000
Dallas, Iowa 13 $ 390,000 $ 30,000 $ 88,000
Sherburne, Minnesota 13 $ 720,000 $ 55,384 $ 64,000
Orange, California 12 $ 4,985,000 $ 415,416 $ 121,000
Sacramento, California 12 $ 3,563,000 $ 296,916 $ 56,000
Palm Beach, Florida 12 $ 2,440,000 $ 203,333 $ 82,000
Oakland, Michigan 12 $ 3,201,000 $ 266,750 $ 65,000
Monmouth, New Jersey 12 $ 2,599,000 $ 216,583 $ 91,000
Contra Costa, California 11 $ 2,734,000 $ 248,545 $ 190,000
Cobb, Georgia 11 $ 1,083,000 $ 98,454 $ 130,000
Harford, Maryland 11 $ 2,394,000 $ 217,636 $ 72,000
Carver, Minnesota 11 $ 808,000 $ 73,454 $ 112,000
San Bernardino, California 10 $ 3,775,000 $ 377,500 $ 94,000
Denver, Colorado 10 $ 1,406,000 $ 140,600 $ 111,000
Miami-Dade, Florida 10 $ 3,177,000 $ 317,700 $ 107,000
Prince George's, Maryland 10 $ 2,185,000 $ 218,500 $ 267,000
Salt Lake, Utah 10 $ 1,084,000 $ 108,400 $ 92,000
Pinellas, Florida 9 $ 3,760,000 $ 417,777 $ 108,000
DeKalb, Georgia 9 $ 397,000 $ 44,111 $ 124,000
Lake, Illinois 9 $ 1,989,000 $ 221,000 $ 135,000
Bergen, New Jersey 9 $ 2,239,000 $ 248,777 $ 152,000
Suffolk, New York 9 $ 2,648,000 $ 294,222 $ 140,000
Pierce, Washington 9 $ 2,414,000 $ 268,222 $ 72,000
St. Croix, Wisconsin 9 $ 776,000 $ 86,222 $ 76,000
Lee, Florida 8 $ 2,630,000 $ 328,750 $ 59,000
Orange, Florida 8 $ 1,596,000 $ 199,500 $ 45,000
Gwinnett, Georgia 8 $ 265,000 $ 33,125 $ 89,000
Honolulu, Hawaii 8 $ 2,730,000 $ 341,250 $ 92,000
Anne Arundel, Maryland 8 $ 1,982,000 $ 247,750 $ 79,000
Baltimore, Maryland 8 $ 1,481,000 $ 185,125 $ 42,000
Washington, Oregon 8 $ 1,539,000 $ 192,375 $ 115,000
Montgomery, Pennsylvania 8 $ 1,718,000 $ 214,750 $ 98,000
Douglas, Colorado 7 $ 3,102,000 $ 443,142 $ 154,000
Hartford, Connecticut 7 $ 739,000 $ 105,571 $ 119,000
Hillsborough, Florida 7 $ 1,898,000 $ 271,142 $ 81,000
Manatee, Florida 7 $ 3,042,000 $ 434,571 $ 124,000
Kane, Illinois 7 $ 1,986,000 $ 283,714 $ 106,000
Johnson, Kansas 7 $ 653,000 $ 93,285 $ 84,000
Wayne, Michigan 7 $ 1,972,000 $ 281,714 $ 144,000
Jackson, Missouri 7 $ 542,000 $ 77,428 $ 85,000
Fresno, California 6 $ 1,516,000 $ 252,666 $ 232,000
El Paso, Colorado 6 $ 237,000 $ 39,500 $ 41,000
Fairfield, Connecticut 6 $ 1,916,000 $ 319,333 $ 111,000
Sussex, Delaware 6 $ 1,700,000 $ 283,333 $ 117,000
Collier, Florida 6 $ 2,514,000 $ 419,000 $ 48,000
Jasper, Iowa 6 $ 282,000 $ 47,000 $ 104,000
Baltimore City, Maryland 6 $ 738,000 $ 123,000 $ 62,000
Frederick, Maryland 6 $ 1,200,000 $ 200,000 $ 44,000
Burlington, New Jersey 6 $ 205,000 $ 34,166 $ 88,000
Hudson, New Jersey 6 $ 2,382,000 $ 397,000 $ 120,000
Mercer, New Jersey 6 $ 925,000 $ 154,166 $ 114,000
Nassau, New York 6 $ 2,207,000 $ 367,833 $ 150,000
Wake, North Carolina 6 $ 1,987,000 $ 331,166 $ 138,000
Franklin, Ohio 6 $ 1,668,000 $ 278,000 $ 62,000
Chester, Pennsylvania 6 $ 2,156,000 $ 359,333 $ 159,000
Chesapeake, Virginia 6 $ 1,173,000 $ 195,500 $ 56,000
Pima, Arizona 5 $ 633,000 $ 126,600 $ 112,000
San Francisco, California 5 $ 1,500,000 $ 300,000 $ 90,000
San Mateo, California 5 $ 1,674,000 $ 334,800 $ 141,000
Ventura, California 5 $ 1,351,000 $ 270,200 $ 120,000
Jefferson, Colorado 5 $ 1,460,000 $ 292,000 $ 135,000
Brevard, Florida 5 $ 1,056,000 $ 211,200 $ 88,000
Duval, Florida 5 $ 845,000 $ 169,000 $ 45,000
Pasco, Florida 5 $ 321,000 $ 64,200 $ 65,000
Sarasota, Florida 5 $ 1,556,000 $ 311,200 $ 140,000
Seminole, Florida 5 $ 766,000 $ 153,200 $ 126,000
Sedgwick, Kansas 5 $ 844,000 $ 168,800 $ 74,000
Calvert, Maryland 5 $ 1,449,000 $ 289,800 $ 62,000
Howard, Maryland 5 $ 1,329,000 $ 265,800 $ 141,000
Kent, Michigan 5 $ 201,000 $ 40,200 $ 189,000
Olmsted, Minnesota 5 $ 774,000 $ 154,800 $ 117,000
St. Louis, Missouri 5 $ 2,499,000 $ 499,800 $ 181,000
Cape May, New Jersey 5 $ 2,790,000 $ 558,000 $ 161,000
Middlesex, New Jersey 5 $ 1,586,000 $ 317,200 $ 97,000
Morris, New Jersey 5 $ 1,234,000 $ 246,800 $ 155,000
Somerset, New Jersey 5 $ 1,845,000 $ 369,000 $ 151,000
Clackamas, Oregon 5 $ 1,201,000 $ 240,200 $ 132,000
Deschutes, Oregon 5 $ 1,430,000 $ 286,000 $ 100,000
Chesterfield, Virginia 5 $ 682,000 $ 136,400 $ 69,000
Henrico, Virginia 5 $ 1,433,000 $ 286,600 $ 98,000
Stafford, Virginia 5 $ 1,326,000 $ 265,200 $ 36,000
Snohomish, Washington 5 $ 1,116,000 $ 223,200 $ 67,000
Outagamie, Wisconsin 5 $ 136,000 $ 27,200 $ 76,000
San Joaquin, California 4 $ 1,001,000 $ 250,250 $ 120,000
Escambia, Florida 4 $ 831,000 $ 207,750 $ 115,000
Indian River, Florida 4 $ 1,299,000 $ 324,750 $ 46,000
Lake, Florida 4 $ 284,000 $ 71,000 $ 84,000
Ada, Idaho 4 $ 1,391,000 $ 347,750 $ 96,000
Linn, Iowa 4 $ 1,092,000 $ 273,000 $ 90,000
Story, Iowa 4 $ 81,000 $ 20,250 $ 78,000
Plymouth, Massachusetts 4 $ 1,446,000 $ 361,500 $ 115,000
Suffolk, Massachusetts 4 $ 1,002,000 $ 250,500 $ 86,000
Macomb, Michigan 4 $ 406,000 $ 101,500 $ 44,000
Chisago, Minnesota 4 $ 646,000 $ 161,500 $ 67,000
Rice, Minnesota 4 $ 165,000 $ 41,250 $ 62,000
St. Louis City, Missouri 4 $ 187,000 $ 46,750 $ 71,000
Douglas, Nevada 4 $ 1,748,000 $ 437,000 $ 174,000
Lyon, Nevada 4 $ 823,000 $ 205,750 $ 40,000
Rockingham, New Hampshire 4 $ 416,000 $ 104,000 $ 89,000
Essex, New Jersey 4 $ 155,000 $ 38,750 $ 108,000
Ocean, New Jersey 4 $ 715,000 $ 178,750 $ 140,000
Sussex, New Jersey 4 $ 1,283,000 $ 320,750 $ 148,000
Bernalillo, New Mexico 4 $ 290,000 $ 72,500 $ 79,000
Erie, New York 4 $ 337,000 $ 84,250 $ 120,000
Orange, New York 4 $ 644,000 $ 161,000 $ 136,000
Queens, New York 4 $ 551,000 $ 137,750 $ 140,000
Mecklenburg, North Carolina 4 $ 1,337,000 $ 334,250 $ 36,000
Multnomah, Oregon 4 $ 933,000 $ 233,250 $ 131,000
Bucks, Pennsylvania 4 $ 1,201,000 $ 300,250 $ 168,000
Delaware, Pennsylvania 4 $ 799,000 $ 199,750 $ 114,000
Philadelphia, Pennsylvania 4 $ 168,000 $ 42,000 $ 70,000
Harris, Texas 4 $ 1,812,000 $ 453,000 $ 242,000
Norfolk, Virginia 4 $ 1,183,000 $ 295,750 $ 35,000
Spotsylvania, Virginia 4 $ 397,000 $ 99,250 $ 106,000
Clark, Washington 4 $ 1,193,000 $ 298,250 $ 104,000
Thurston, Washington 4 $ 719,000 $ 179,750 $ 106,000
Shelby, Alabama 3 $ 556,000 $ 185,333 $ 86,000
Anchorage, Alaska 3 $ 658,000 $ 219,333 $ 84,000
Pinal, Arizona 3 $ 305,000 $ 101,666 $ 28,000
Pulaski, Arkansas 3 $ 523,000 $ 174,333 $ 164,000
Placer, California 3 $ 857,000 $ 285,666 $ 60,000
San Luis Obispo, California 3 $ 1,440,000 $ 480,000 $ 164,000
Santa Cruz, California 3 $ 825,000 $ 275,000 $ 287,000
Stanislaus, California 3 $ 601,000 $ 200,333 $ 72,000
Boulder, Colorado 3 $ 935,000 $ 311,666 $ 136,000
Broomfield, Colorado 3 $ 848,000 $ 282,666 $ 30,000
Eagle, Colorado 3 $ 1,358,000 $ 452,666 $ 132,000
New Castle, Delaware 3 $ 127,000 $ 42,333 $ 135,000
Charlotte, Florida 3 $ 568,000 $ 189,333 $ 15,000
Leon, Florida 3 $ 292,000 $ 97,333 $ 56,000
Okaloosa, Florida 3 $ 974,000 $ 324,666 $ 79,000
Osceola, Florida 3 $ 815,000 $ 271,666 $ 0
Santa Rosa, Florida 3 $ 407,000 $ 135,666 $ 59,000
Walton, Florida 3 $ 1,312,000 $ 437,333 $ 102,000
Fayette, Georgia 3 $ 181,000 $ 60,333 $ 103,000
Walton, Georgia 3 $ 304,000 $ 101,333 $ 37,000
Maui, Hawaii 3 $ 1,483,000 $ 494,333 $ 117,000
McHenry, Illinois 3 $ 564,000 $ 188,000 $ 87,000
Peoria, Illinois 3 $ 68,000 $ 22,666 $ 87,000
Will, Illinois 3 $ 192,000 $ 64,000 $ 118,000
Marion, Indiana 3 $ 238,000 $ 79,333 $ 67,000
Madison, Iowa 3 $ 85,000 $ 28,333 $ 83,000
St. Mary's, Maryland 3 $ 1,143,000 $ 381,000 $ 137,000
Washington, Maryland 3 $ 674,000 $ 224,666 $ 48,000
Essex, Massachusetts 3 $ 1,008,000 $ 336,000 $ 112,000
Worcester, Massachusetts 3 $ 857,000 $ 285,666 $ 112,000
Washtenaw, Michigan 3 $ 979,000 $ 326,333 $ 105,000
Meeker, Minnesota 3 $ 102,000 $ 34,000 $ 44,000
St. Louis, Minnesota 3 $ 203,000 $ 67,666 $ 82,000
Stearns, Minnesota 3 $ 132,000 $ 44,000 $ 51,000
Clay, Missouri 3 $ 772,000 $ 257,333 $ 81,000
Douglas, Nebraska 3 $ 90,000 $ 30,000 $ 105,000
Camden, New Jersey 3 $ 75,000 $ 25,000 $ 73,000
Gloucester, New Jersey 3 $ 166,000 $ 55,333 $ 92,000
Santa Fe, New Mexico 3 $ 412,000 $ 137,333 $ 71,000
New York, New York 3 $ 1,493,000 $ 497,666 $ 160,000
Onondaga, New York 3 $ 75,000 $ 25,000 $ 73,000
Catawba, North Carolina 3 $ 88,000 $ 29,333 $ 68,000
Guilford, North Carolina 3 $ 236,000 $ 78,666 $ 101,000
Tulsa, Oklahoma 3 $ 125,000 $ 41,666 $ 103,000
Linn, Oregon 3 $ 788,000 $ 262,666 $ 81,000
Blair, Pennsylvania 3 $ 140,000 $ 46,666 $ 114,000
York, Pennsylvania 3 $ 309,000 $ 103,000 $ 83,000
Providence, Rhode Island 3 $ 318,000 $ 106,000 $ 54,000
York, South Carolina 3 $ 155,000 $ 51,666 $ 56,000
Shelby, Tennessee 3 $ 210,000 $ 70,000 $ 73,000
Travis, Texas 3 $ 1,630,000 $ 543,333 $ 332,000
Arlington, Virginia 3 $ 1,167,000 $ 389,000 $ 220,000
Newport News, Virginia 3 $ 511,000 $ 170,333 $ 57,000
Island, Washington 3 $ 207,000 $ 69,000 $ 58,000
Kitsap, Washington 3 $ 629,000 $ 209,666 $ 46,000
Kanawha, West Virginia 3 $ 117,000 $ 39,000 $ 111,000
Dane, Wisconsin 3 $ 713,000 $ 237,666 $ 103,000
Milwaukee, Wisconsin 3 $ 120,000 $ 40,000 $ 116,000
Ozaukee, Wisconsin 3 $ 1,132,000 $ 377,333 $ 151,000
Waukesha, Wisconsin 3 $ 923,000 $ 307,666 $ 166,000
Baldwin, Alabama 2 $ 523,000 $ 261,500 $ 232,000
Madison, Alabama 2 $ 45,000 $ 22,500 $ 56,000
Washington, Arkansas 2 $ 80,000 $ 40,000 $ 131,000
Humboldt, California 2 $ 367,000 $ 183,500 $ 77,000
Kern, California 2 $ 509,000 $ 254,500 $ 33,000
Marin, California 2 $ 1,287,000 $ 643,500 $ 81,000
Merced, California 2 $ 468,000 $ 234,000 $ 75,000
Solano, California 2 $ 620,000 $ 310,000 $ 59,000
Arapahoe, Colorado 2 $ 454,000 $ 227,000 $ 120,000
Larimer, Colorado 2 $ 614,000 $ 307,000 $ 80,000
Weld, Colorado 2 $ 426,000 $ 213,000 $ 100,000
New Haven, Connecticut 2 $ 69,000 $ 34,500 $ 99,000
New London, Connecticut 2 $ 503,000 $ 251,500 $ 254,000
Windham, Connecticut 2 $ 117,000 $ 58,500 $ 92,000
Polk, Florida 2 $ 189,000 $ 94,500 $ 66,000
Volusia, Florida 2 $ 542,000 $ 271,000 $ 127,000
Clayton, Georgia 2 $ 99,000 $ 49,500 $ 86,000
Coweta, Georgia 2 $ 86,000 $ 43,000 $ 84,000
Douglas, Georgia 2 $ 57,000 $ 28,500 $ 51,000
Henry, Georgia 2 $ 307,000 $ 153,500 $ 91,000
Hawaii, Hawaii 2 $ 526,000 $ 263,000 $ 86,000
Allen, Indiana 2 $ 61,000 $ 30,500 $ 62,000
LaPorte, Indiana 2 $ 53,000 $ 26,500 $ 57,000
St. Joseph, Indiana 2 $ 479,000 $ 239,500 $ 86,000
Black Hawk, Iowa 2 $ 29,000 $ 14,500 $ 57,000
Hamilton, Iowa 2 $ 50,000 $ 25,000 $ 34,000
Hardin, Iowa 2 $ 37,000 $ 18,500 $ 43,000
Johnson, Iowa 2 $ 98,000 $ 49,000 $ 118,000
Wapello, Iowa 2 $ 90,000 $ 45,000 $ 64,000
Winnebago, Iowa 2 $ 50,000 $ 25,000 $ 82,000
Jefferson, Kentucky 2 $ 514,000 $ 257,000 $ 123,000
Kenton, Kentucky 2 $ 50,000 $ 25,000 $ 85,000
Cumberland, Maine 2 $ 688,000 $ 344,000 $ 119,000
Carroll, Maryland 2 $ 55,000 $ 27,500 $ 78,000
Cecil, Maryland 2 $ 573,000 $ 286,500 $ 90,000
Charles, Maryland 2 $ 328,000 $ 164,000 $ 64,000
Worcester, Maryland 2 $ 1,376,000 $ 688,000 $ 48,000
Barnstable, Massachusetts 2 $ 1,416,000 $ 708,000 $ 126,000
Norfolk, Massachusetts 2 $ 542,000 $ 271,000 $ 150,000
Berrien, Michigan 2 $ 80,000 $ 40,000 $ 91,000
Douglas, Minnesota 2 $ 1,002,000 $ 501,000 $ 65,000
Freeborn, Minnesota 2 $ 68,000 $ 34,000 $ 45,000
Goodhue, Minnesota 2 $ 88,000 $ 44,000 $ 87,000
Isanti, Minnesota 2 $ 46,000 $ 23,000 $ 41,000
Lyon, Minnesota 2 $ 57,000 $ 28,500 $ 71,000
Renville, Minnesota 2 $ 42,000 $ 21,000 $ 58,000
Stevens, Minnesota 2 $ 30,000 $ 15,000 $ 52,000
Greene, Missouri 2 $ 147,000 $ 73,500 $ 91,000
St. Charles, Missouri 2 $ 64,000 $ 32,000 $ 87,000
Hall, Nebraska 2 $ 33,000 $ 16,500 $ 77,000
Lancaster, Nebraska 2 $ 79,000 $ 39,500 $ 74,000
Sarpy, Nebraska 2 $ 31,000 $ 15,500 $ 82,000
Kings, New York 2 $ 130,000 $ 65,000 $ 73,000
Richmond, New York 2 $ 45,000 $ 22,500 $ 68,000
Rockland, New York 2 $ 354,000 $ 177,000 $ 97,000
Westchester, New York 2 $ 125,000 $ 62,500 $ 118,000
Brunswick, North Carolina 2 $ 598,000 $ 299,000 $ 125,000
Onslow, North Carolina 2 $ 473,000 $ 236,500 $ 101,000
Orange, North Carolina 2 $ 99,000 $ 49,500 $ 111,000
Clermont, Ohio 2 $ 23,000 $ 11,500 $ 37,000
Hamilton, Ohio 2 $ 87,000 $ 43,500 $ 98,000
Miami, Ohio 2 $ 181,000 $ 90,500 $ 27,000
Montgomery, Ohio 2 $ 70,000 $ 35,000 $ 129,000
Stark, Ohio 2 $ 290,000 $ 145,000 $ 72,000
Summit, Ohio 2 $ 473,000 $ 236,500 $ 134,000
Umatilla, Oregon 2 $ 70,000 $ 35,000 $ 27,000
Allegheny, Pennsylvania 2 $ 35,000 $ 17,500 $ 47,000
Berks, Pennsylvania 2 $ 110,000 $ 55,000 $ 83,000
Dorchester, South Carolina 2 $ 176,000 $ 88,000 $ 17,000
Horry, South Carolina 2 $ 90,000 $ 45,000 $ 62,000
Kershaw, South Carolina 2 $ 20,000 $ 10,000 $ 69,000
Collin, Texas 2 $ 263,000 $ 131,500 $ 35,000
Tarrant, Texas 2 $ 547,000 $ 273,500 $ 142,000
Summit, Utah 2 $ 1,049,000 $ 524,500 $ 60,000
Utah, Utah 2 $ 223,000 $ 111,500 $ 67,000
Washington, Utah 2 $ 392,000 $ 196,000 $ 72,000
Powhatan, Virginia 2 $ 633,000 $ 316,500 $ 98,000
La Crosse, Wisconsin 2 $ 68,000 $ 34,000 $ 48,000
Colbert, Alabama 1 $ 250,000 $ 250,000 $ 190,000
Covington, Alabama 1 $ 20,000 $ 20,000 $ 13,000
Jefferson, Alabama 1 $ 12,000 $ 12,000 $ 21,000
Kenai Peninsula, Alaska 1 $ 17,000 $ 17,000 $ 61,000
Cochise, Arizona 1 $ 34,000 $ 34,000 $ 40,000
Coconino, Arizona 1 $ 298,000 $ 298,000 $ 398,000
La Paz, Arizona 1 $ 497,000 $ 497,000 $ 195,000
Mohave, Arizona 1 $ 357,000 $ 357,000 $ 294,000
Yuma, Arizona 1 $ 228,000 $ 228,000 $ 200,000
Drew, Arkansas 1 $ 25,000 $ 25,000 $ 57,000
Lonoke, Arkansas 1 $ 18,000 $ 18,000 $ 65,000
St. Francis, Arkansas 1 $ 24,000 $ 24,000 $ 30,000
Butte, California 1 $ 10,000 $ 10,000 $ 65,000
El Dorado, California 1 $ 360,000 $ 360,000 $ 204,000
Kings, California 1 $ 22,000 $ 22,000 $ 66,000
Madera, California 1 $ 40,000 $ 40,000 $ 432,000
Monterey, California 1 $ 371,000 $ 371,000 $ 200,000
Napa, California 1 $ 507,000 $ 507,000 $ 147,000
Santa Barbara, California 1 $ 357,000 $ 357,000 $ 137,000
Sonoma, California 1 $ 628,000 $ 628,000 $ 166,000
Sutter, California 1 $ 27,000 $ 27,000 $ 109,000
Tulare, California 1 $ 50,000 $ 50,000 $ 146,000
Adams, Colorado 1 $ 401,000 $ 401,000 $ 180,000
Chaffee, Colorado 1 $ 20,000 $ 20,000 $ 25,000
Elbert, Colorado 1 $ 281,000 $ 281,000 $ 174,000
Garfield, Colorado 1 $ 159,000 $ 159,000 $ 300,000
Gunnison, Colorado 1 $ 435,000 $ 435,000 $ 120,000
Kit Carson, Colorado 1 $ 17,000 $ 17,000 $ 67,000
Park, Colorado 1 $ 53,000 $ 53,000 $ 140,000
Pueblo, Colorado 1 $ 16,000 $ 16,000 $ 140,000
Routt, Colorado 1 $ 996,000 $ 996,000 $ 0
Summit, Colorado 1 $ 529,000 $ 529,000 $ 0
Middlesex, Connecticut 1 $ 50,000 $ 50,000 $ 121,000
Alachua, Florida 1 $ 50,000 $ 50,000 $ 117,000
Flagler, Florida 1 $ 25,000 $ 25,000 $ 36,000
Hernando, Florida 1 $ 100,000 $ 100,000 $ 63,000
Monroe, Florida 1 $ 12,000 $ 12,000 $ 40,000
Nassau, Florida 1 $ 185,000 $ 185,000 $ 0
St. Johns, Florida 1 $ 145,000 $ 145,000 $ 135,000
St. Lucie, Florida 1 $ 30,000 $ 30,000 $ 55,000
Cherokee, Georgia 1 $ 519,000 $ 519,000 $ 0
Dawson, Georgia 1 $ 45,000 $ 45,000 $ 150,000
Forsyth, Georgia 1 $ 26,000 $ 26,000 $ 78,000
Hall, Georgia 1 $ 20,000 $ 20,000 $ 43,000
Jones, Georgia 1 $ 40,000 $ 40,000 $ 97,000
Newton, Georgia 1 $ 17,000 $ 17,000 $ 49,000
Rabun, Georgia 1 $ 30,000 $ 30,000 $ 56,000
Spalding, Georgia 1 $ 19,000 $ 19,000 $ 27,000
Union, Georgia 1 $ 30,000 $ 30,000 $ 106,000
Bannock, Idaho 1 $ 16,000 $ 16,000 $ 42,000
Bear Lake, Idaho 1 $ 35,000 $ 35,000 $ 61,000
Gem, Idaho 1 $ 102,000 $ 102,000 $ 0
Kootenai, Idaho 1 $ 30,000 $ 30,000 $ 70,000
Champaign, Illinois 1 $ 400,000 $ 400,000 $ 160,000
Kendall, Illinois 1 $ 169,000 $ 169,000 $ 0
LaSalle, Illinois 1 $ 22,000 $ 22,000 $ 28,000
McLean, Illinois 1 $ 103,000 $ 103,000 $ 0
Randolph, Illinois 1 $ 20,000 $ 20,000 $ 57,000
Rock Island, Illinois 1 $ 13,000 $ 13,000 $ 47,000
St. Clair, Illinois 1 $ 359,000 $ 359,000 $ 204,000
Stephenson, Illinois 1 $ 52,000 $ 52,000 $ 13,000
Tazewell, Illinois 1 $ 20,000 $ 20,000 $ 76,000
Vermilion, Illinois 1 $ 10,000 $ 10,000 $ 30,000
Winnebago, Illinois 1 $ 76,000 $ 76,000 $ 104,000
Adams, Indiana 1 $ 42,000 $ 42,000 $ 49,000
Boone, Indiana 1 $ 10,000 $ 10,000 $ 51,000
Cass, Indiana 1 $ 25,000 $ 25,000 $ 46,000
Clark, Indiana 1 $ 15,000 $ 15,000 $ 90,000
Dubois, Indiana 1 $ 30,000 $ 30,000 $ 110,000
Elkhart, Indiana 1 $ 25,000 $ 25,000 $ 64,000
Hamilton, Indiana 1 $ 185,000 $ 185,000 $ 0
Jennings, Indiana 1 $ 30,000 $ 30,000 $ 69,000
Benton, Iowa 1 $ 10,000 $ 10,000 $ 18,000
Calhoun, Iowa 1 $ 32,000 $ 32,000 $ 77,000
Carroll, Iowa 1 $ 25,000 $ 25,000 $ 19,000
Cerro Gordo, Iowa 1 $ 27,000 $ 27,000 $ 65,000
Davis, Iowa 1 $ 15,000 $ 15,000 $ 83,000
Fayette, Iowa 1 $ 16,000 $ 16,000 $ 100,000
Guthrie, Iowa 1 $ 20,000 $ 20,000 $ 41,000
Kossuth, Iowa 1 $ 20,000 $ 20,000 $ 61,000
Mahaska, Iowa 1 $ 60,000 $ 60,000 $ 128,000
Marion, Iowa 1 $ 15,000 $ 15,000 $ 89,000
Montgomery, Iowa 1 $ 30,000 $ 30,000 $ 32,000
Palo Alto, Iowa 1 $ 25,000 $ 25,000 $ 24,000
Pottawattamie, Iowa 1 $ 46,000 $ 46,000 $ 99,000
Woodbury, Iowa 1 $ 28,000 $ 28,000 $ 30,000
Douglas, Kansas 1 $ 42,000 $ 42,000 $ 99,000
Rush, Kansas 1 $ 25,000 $ 25,000 $ 34,000
Wyandotte, Kansas 1 $ 32,000 $ 32,000 $ 96,000
Boone, Kentucky 1 $ 127,000 $ 127,000 $ 179,000
Clark, Kentucky 1 $ 43,000 $ 43,000 $ 115,000
Fleming, Kentucky 1 $ 11,000 $ 11,000 $ 72,000
Hart, Kentucky 1 $ 20,000 $ 20,000 $ 60,000
Marion, Kentucky 1 $ 32,000 $ 32,000 $ 27,000
Bossier, Louisiana 1 $ 208,000 $ 208,000 $ 181,000
Caddo, Louisiana 1 $ 293,000 $ 293,000 $ 86,000
Livingston, Louisiana 1 $ 25,000 $ 25,000 $ 53,000
St. Tammany, Louisiana 1 $ 287,000 $ 287,000 $ 117,000
Terrebonne, Louisiana 1 $ 10,000 $ 10,000 $ 36,000
West Baton Rouge, Louisiana 1 $ 12,000 $ 12,000 $ 58,000
Androscoggin, Maine 1 $ 15,000 $ 15,000 $ 25,000
Aroostook, Maine 1 $ 50,000 $ 50,000 $ 215,000
Kennebec, Maine 1 $ 12,000 $ 12,000 $ 57,000
Lincoln, Maine 1 $ 50,000 $ 50,000 $ 90,000
Oxford, Maine 1 $ 15,000 $ 15,000 $ 90,000
Queen Anne's, Maryland 1 $ 60,000 $ 60,000 $ 75,000
Wicomico, Maryland 1 $ 85,000 $ 85,000 $ 76,000
Bristol, Massachusetts 1 $ 25,000 $ 25,000 $ 96,000
Franklin, Massachusetts 1 $ 170,000 $ 170,000 $ 55,000
Hampden, Massachusetts 1 $ 196,000 $ 196,000 $ 0
Hampshire, Massachusetts 1 $ 52,000 $ 52,000 $ 171,000
Allegan, Michigan 1 $ 105,000 $ 105,000 $ 58,000
Barry, Michigan 1 $ 49,000 $ 49,000 $ 105,000
Delta, Michigan 1 $ 35,000 $ 35,000 $ 41,000
Ingham, Michigan 1 $ 173,000 $ 173,000 $ 53,000
Lapeer, Michigan 1 $ 20,000 $ 20,000 $ 70,000
Leelanau, Michigan 1 $ 190,000 $ 190,000 $ 450,000
Livingston, Michigan 1 $ 211,000 $ 211,000 $ 0
Midland, Michigan 1 $ 35,000 $ 35,000 $ 105,000
St. Clair, Michigan 1 $ 55,000 $ 55,000 $ 94,000
Becker, Minnesota 1 $ 21,000 $ 21,000 $ 55,000
Beltrami, Minnesota 1 $ 23,000 $ 23,000 $ 39,000
Blue Earth, Minnesota 1 $ 35,000 $ 35,000 $ 51,000
Brown, Minnesota 1 $ 41,000 $ 41,000 $ 60,000
Carlton, Minnesota 1 $ 26,000 $ 26,000 $ 18,000
Crow Wing, Minnesota 1 $ 150,000 $ 150,000 $ 185,000
Faribault, Minnesota 1 $ 29,000 $ 29,000 $ 41,000
Hubbard, Minnesota 1 $ 42,000 $ 42,000 $ 55,000
Itasca, Minnesota 1 $ 50,000 $ 50,000 $ 124,000
Kandiyohi, Minnesota 1 $ 10,000 $ 10,000 $ 49,000
Koochiching, Minnesota 1 $ 50,000 $ 50,000 $ 74,000
Lake, Minnesota 1 $ 49,000 $ 49,000 $ 41,000
Le Sueur, Minnesota 1 $ 33,000 $ 33,000 $ 68,000
McLeod, Minnesota 1 $ 30,000 $ 30,000 $ 51,000
Morrison, Minnesota 1 $ 25,000 $ 25,000 $ 48,000
Nobles, Minnesota 1 $ 167,000 $ 167,000 $ 260,000
Otter Tail, Minnesota 1 $ 34,000 $ 34,000 $ 129,000
Pipestone, Minnesota 1 $ 16,000 $ 16,000 $ 36,000
Sibley, Minnesota 1 $ 30,000 $ 30,000 $ 54,000
DeSoto, Mississippi 1 $ 323,000 $ 323,000 $ 0
Lee, Mississippi 1 $ 10,000 $ 10,000 $ 58,000
Rankin, Mississippi 1 $ 15,000 $ 15,000 $ 40,000
Boone, Missouri 1 $ 475,000 $ 475,000 $ 0
Cass, Missouri 1 $ 70,000 $ 70,000 $ 144,000
Dallas, Missouri 1 $ 18,000 $ 18,000 $ 62,000
Iron, Missouri 1 $ 70,000 $ 70,000 $ 60,000
Jefferson, Missouri 1 $ 25,000 $ 25,000 $ 90,000
Madison, Missouri 1 $ 40,000 $ 40,000 $ 50,000
Montgomery, Missouri 1 $ 12,000 $ 12,000 $ 65,000
Platte, Missouri 1 $ 25,000 $ 25,000 $ 91,000
Gallatin, Montana 1 $ 646,000 $ 646,000 $ 180,000
Missoula, Montana 1 $ 10,000 $ 10,000 $ 35,000
Hamilton, Nebraska 1 $ 30,000 $ 30,000 $ 65,000
Holt, Nebraska 1 $ 39,000 $ 39,000 $ 81,000
Howard, Nebraska 1 $ 30,000 $ 30,000 $ 88,000
Platte, Nebraska 1 $ 25,000 $ 25,000 $ 89,000
Saunders, Nebraska 1 $ 28,000 $ 28,000 $ 68,000
Elko, Nevada 1 $ 25,000 $ 25,000 $ 90,000
Grafton, New Hampshire 1 $ 50,000 $ 50,000 $ 132,000
Hillsborough, New Hampshire 1 $ 75,000 $ 75,000 $ 81,000
Atlantic, New Jersey 1 $ 60,000 $ 60,000 $ 89,000
Cumberland, New Jersey 1 $ 60,000 $ 60,000 $ 70,000
Hunterdon, New Jersey 1 $ 498,000 $ 498,000 $ 171,000
Passaic, New Jersey 1 $ 390,000 $ 390,000 $ 0
Union, New Jersey 1 $ 384,000 $ 384,000 $ 175,000
Dona Ana, New Mexico 1 $ 120,000 $ 120,000 $ 37,000
San Juan, New Mexico 1 $ 50,000 $ 50,000 $ 196,000
Sandoval, New Mexico 1 $ 136,000 $ 136,000 $ 66,000
Albany, New York 1 $ 30,000 $ 30,000 $ 65,000
Broome, New York 1 $ 60,000 $ 60,000 $ 109,000
Dutchess, New York 1 $ 416,000 $ 416,000 $ 170,000
Monroe, New York 1 $ 30,000 $ 30,000 $ 84,000
Putnam, New York 1 $ 30,000 $ 30,000 $ 73,000
Saratoga, New York 1 $ 36,000 $ 36,000 $ 83,000
Warren, New York 1 $ 22,000 $ 22,000 $ 60,000
Forsyth, North Carolina 1 $ 61,000 $ 61,000 $ 43,000
Iredell, North Carolina 1 $ 46,000 $ 46,000 $ 103,000
Randolph, North Carolina 1 $ 60,000 $ 60,000 $ 58,000
Swain, North Carolina 1 $ 30,000 $ 30,000 $ 58,000
Union, North Carolina 1 $ 415,000 $ 415,000 $ 125,000
Grand Forks, North Dakota 1 $ 28,000 $ 28,000 $ 114,000
Butler, Ohio 1 $ 134,000 $ 134,000 $ 50,000
Cuyahoga, Ohio 1 $ 10,000 $ 10,000 $ 18,000
Delaware, Ohio 1 $ 10,000 $ 10,000 $ 113,000
Jefferson, Ohio 1 $ 104,000 $ 104,000 $ 0
Portage, Ohio 1 $ 55,000 $ 55,000 $ 60,000
Van Wert, Ohio 1 $ 30,000 $ 30,000 $ 32,000
Wayne, Ohio 1 $ 16,000 $ 16,000 $ 64,000
Wood, Ohio 1 $ 35,000 $ 35,000 $ 175,000
Cleveland, Oklahoma 1 $ 33,000 $ 33,000 $ 95,000
Craig, Oklahoma 1 $ 85,000 $ 85,000 $ 27,000
Logan, Oklahoma 1 $ 12,000 $ 12,000 $ 65,000
Oklahoma, Oklahoma 1 $ 112,000 $ 112,000 $ 22,000
Benton, Oregon 1 $ 459,000 $ 459,000 $ 273,000
Jackson, Oregon 1 $ 140,000 $ 140,000 $ 20,000
Lincoln, Oregon 1 $ 359,000 $ 359,000 $ 270,000
Centre, Pennsylvania 1 $ 13,000 $ 13,000 $ 32,000
Clinton, Pennsylvania 1 $ 15,000 $ 15,000 $ 32,000
Cumberland, Pennsylvania 1 $ 75,000 $ 75,000 $ 61,000
Franklin, Pennsylvania 1 $ 66,000 $ 66,000 $ 0
Lackawanna, Pennsylvania 1 $ 26,000 $ 26,000 $ 61,000
Lancaster, Pennsylvania 1 $ 60,000 $ 60,000 $ 107,000
Northampton, Pennsylvania 1 $ 85,000 $ 85,000 $ 104,000
Pike, Pennsylvania 1 $ 424,000 $ 424,000 $ 0
Schuylkill, Pennsylvania 1 $ 30,000 $ 30,000 $ 18,000
Kent, Rhode Island 1 $ 509,000 $ 509,000 $ 110,000
Newport, Rhode Island 1 $ 20,000 $ 20,000 $ 190,000
Abbeville, South Carolina 1 $ 16,000 $ 16,000 $ 56,000
Anderson, South Carolina 1 $ 34,000 $ 34,000 $ 64,000
Beaufort, South Carolina 1 $ 151,000 $ 151,000 $ 0
Berkeley, South Carolina 1 $ 260,000 $ 260,000 $ 82,000
Charleston, South Carolina 1 $ 30,000 $ 30,000 $ 40,000
Georgetown, South Carolina 1 $ 123,000 $ 123,000 $ 77,000
Lexington, South Carolina 1 $ 10,000 $ 10,000 $ 40,000
Spartanburg, South Carolina 1 $ 10,000 $ 10,000 $ 29,000
Sumter, South Carolina 1 $ 15,000 $ 15,000 $ 34,000
Minnehaha, South Dakota 1 $ 25,000 $ 25,000 $ 48,000
Coffee, Tennessee 1 $ 37,000 $ 37,000 $ 104,000
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Mortgage Loan Application Detail Totals for Principal Bank in 2005

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 872 $147,820,000 $193,000 $1,000,000 $100,104 $514,000
Home Purchase 752 $233,703,000 $291,000 $1,000,000 $98,340 $480,000
Home Improvement 656 $26,041,000 $33,208 $250,000 $84,229 $873,000

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
Not applicable 1,306 $363,301,000 $364,956 $1,000,000 $109,804 $514,000
White 585 $23,801,000 $37,936 $500,000 $85,361 $408,000
Not Provided 260 $13,460,000 $43,975 $250,000 $95,780 $873,000
Asian 59 $4,348,000 $49,956 $485,000 $94,391 $800,000
Hispanic 34 $1,322,000 $42,142 $120,000 $104,357 $506,000
Black or African American 29 $1,072,000 $37,250 $150,000 $71,937 $362,000
American Indian or Alaskan Native 4 $156,000 $39,000 $55,000 $81,750 $125,000
Native Hawaiian or Other Pacific Islander 3 $104,000 $34,666 $52,000 $104,666 $145,000

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) 2,280 $407,564,000 $170,549 $1,000,000 $92,823 $873,000
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 Purchased By The Institution 1,306 $363,301,000 $364,956 $1,000,000 $109,804 $514,000
Loan Originated 453 $18,824,000 $38,976 $250,000 $95,813 $408,000
Application Approved But Not Accepted 308 $16,264,000 $44,744 $250,000 $96,767 $700,000
Application Denied By Financial Institution 212 $9,110,000 $36,195 $500,000 $70,780 $873,000
Application Withdrawn By Applicant 1 $65,000 $65,000 $65,000 $68,000 $68,000
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
Credit History 145 $5,298,000 $33,789 $500,000 $78,368 $873,000
Debt-To-Income Ratio 54 $2,821,000 $53,428 $219,000 $62,607 $240,000
Collateral 7 $167,000 $26,000 $69,000 $57,333 $95,000
Employment History 3 $269,000 $89,666 $214,000 $308,333 $800,000
Other 2 $545,000 $272,500 $485,000 $132,500 $185,000
Insufficient Cash (Downpayment, Closing Cost) 1 $10,000 $10,000 $10,000 $48,000 $48,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Principal Bank's 2005 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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