Principal Bank Mortgage Lending & HMDA Data, 2006

In 2006, Principal Bank of Des Moines, IA reported 2,296 mortgage applications totaling $195.5 million, up 1% from 2005. The average application was for $85,135, and applicants reported an average income of $92,984. 15% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (746), Des Moines-West Des Moines, IA (146) and Chicago-Naperville-Joliet, IL (105) (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 2,296
Total Mortgage Loan Application Amount $195,470,000
Average Mortgage Loan Application Amount $85,135
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $92,984
Highest Applicant Income $833,000

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Act (HMDA) records Principal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 232 $ 12,533,000 $ 54,021 $ 82,000
Polk, Iowa 110 $ 3,544,000 $ 32,218 $ 62,000
Anoka, Minnesota 102 $ 5,036,000 $ 49,372 $ 81,000
Ramsey, Minnesota 101 $ 4,594,000 $ 45,485 $ 77,000
Dakota, Minnesota 71 $ 4,156,000 $ 58,535 $ 95,000
Washington, Minnesota 68 $ 3,835,000 $ 56,397 $ 101,000
Cook, Illinois 57 $ 5,601,000 $ 98,263 $ 169,000
Scott, Minnesota 34 $ 2,395,000 $ 70,441 $ 84,000
Sherburne, Minnesota 34 $ 1,944,000 $ 57,176 $ 80,000
Wright, Minnesota 34 $ 1,720,000 $ 50,588 $ 89,000
Maricopa, Arizona 27 $ 6,215,000 $ 230,185 $ 121,000
Carver, Minnesota 27 $ 1,345,000 $ 49,814 $ 93,000
Dallas, Iowa 26 $ 892,000 $ 34,307 $ 55,000
McLean, Illinois 23 $ 742,000 $ 32,260 $ 78,000
DuPage, Illinois 19 $ 1,995,000 $ 105,000 $ 155,000
Chisago, Minnesota 17 $ 808,000 $ 47,529 $ 88,000
Champaign, Illinois 15 $ 514,000 $ 34,266 $ 90,000
Lake, Illinois 15 $ 2,369,000 $ 157,933 $ 139,000
King, Washington 14 $ 2,932,000 $ 209,428 $ 93,000
St. Louis, Minnesota 13 $ 548,000 $ 42,153 $ 71,000
Suffolk, New York 13 $ 1,453,000 $ 111,769 $ 78,000
McHenry, Illinois 12 $ 645,000 $ 53,750 $ 89,000
Marion, Indiana 12 $ 742,000 $ 61,833 $ 120,000
Rice, Minnesota 12 $ 501,000 $ 41,750 $ 60,000
Prince William, Virginia 12 $ 1,299,000 $ 108,250 $ 158,000
St. Croix, Wisconsin 12 $ 584,000 $ 48,666 $ 71,000
Fairfax, Virginia 11 $ 1,202,000 $ 109,272 $ 99,000
Muscatine, Iowa 10 $ 241,000 $ 24,100 $ 68,000
Isanti, Minnesota 10 $ 505,000 $ 50,500 $ 76,000
Stearns, Minnesota 10 $ 409,000 $ 40,900 $ 63,000
Alameda, California 9 $ 2,753,000 $ 305,888 $ 159,000
Los Angeles, California 9 $ 2,122,000 $ 235,777 $ 104,000
Broward, Florida 9 $ 977,000 $ 108,555 $ 116,000
Pinellas, Florida 9 $ 551,000 $ 61,222 $ 81,000
Cobb, Georgia 9 $ 967,000 $ 107,444 $ 135,000
Gwinnett, Georgia 9 $ 926,000 $ 102,888 $ 107,000
Will, Illinois 9 $ 951,000 $ 105,666 $ 74,000
Warren, Iowa 9 $ 353,000 $ 39,222 $ 53,000
Montgomery, Maryland 9 $ 1,804,000 $ 200,444 $ 128,000
Monmouth, New Jersey 9 $ 1,391,000 $ 154,555 $ 116,000
San Bernardino, California 8 $ 1,458,000 $ 182,250 $ 94,000
Douglas, Colorado 8 $ 1,253,000 $ 156,625 $ 130,000
Larimer, Colorado 8 $ 869,000 $ 108,625 $ 126,000
Hillsborough, Florida 8 $ 1,567,000 $ 195,875 $ 120,000
Douglas, Nebraska 8 $ 266,000 $ 33,250 $ 79,000
El Paso, Colorado 7 $ 234,000 $ 33,428 $ 72,000
Kane, Illinois 7 $ 555,000 $ 79,285 $ 181,000
Wayne, Indiana 7 $ 127,000 $ 18,142 $ 68,000
Howard, Maryland 7 $ 1,642,000 $ 234,571 $ 127,000
Prince George's, Maryland 7 $ 956,000 $ 136,571 $ 93,000
Middlesex, New Jersey 7 $ 514,000 $ 73,428 $ 150,000
Multnomah, Oregon 7 $ 678,000 $ 96,857 $ 68,000
Fairfield, Connecticut 6 $ 1,043,000 $ 173,833 $ 138,000
District of Columbia, District Of Columbia 6 $ 2,437,000 $ 406,166 $ 123,000
Brevard, Florida 6 $ 305,000 $ 50,833 $ 85,000
Linn, Iowa 6 $ 284,000 $ 47,333 $ 47,000
Johnson, Kansas 6 $ 222,000 $ 37,000 $ 92,000
Goodhue, Minnesota 6 $ 209,000 $ 34,833 $ 91,000
St. Louis, Missouri 6 $ 717,000 $ 119,500 $ 118,000
Clark, Nevada 6 $ 1,247,000 $ 207,833 $ 132,000
Mecklenburg, North Carolina 6 $ 1,117,000 $ 186,166 $ 120,000
Wake, North Carolina 6 $ 247,000 $ 41,166 $ 74,000
Allen, Ohio 6 $ 230,000 $ 38,333 $ 92,000
Clackamas, Oregon 6 $ 381,000 $ 63,500 $ 73,000
Salt Lake, Utah 6 $ 275,000 $ 45,833 $ 54,000
Loudoun, Virginia 6 $ 550,000 $ 91,666 $ 83,000
Virginia Beach, Virginia 6 $ 396,000 $ 66,000 $ 71,000
Pierce, Washington 6 $ 1,016,000 $ 169,333 $ 100,000
Snohomish, Washington 6 $ 615,000 $ 102,500 $ 102,000
Riverside, California 5 $ 1,594,000 $ 318,800 $ 94,000
Santa Clara, California 5 $ 2,119,000 $ 423,800 $ 115,000
Duval, Florida 5 $ 242,000 $ 48,400 $ 120,000
Lee, Florida 5 $ 1,273,000 $ 254,600 $ 198,000
Honolulu, Hawaii 5 $ 382,000 $ 76,400 $ 140,000
Story, Iowa 5 $ 241,000 $ 48,200 $ 84,000
Wapello, Iowa 5 $ 121,000 $ 24,200 $ 189,000
Baltimore, Maryland 5 $ 913,000 $ 182,600 $ 105,000
Worcester, Massachusetts 5 $ 775,000 $ 155,000 $ 103,000
McLeod, Minnesota 5 $ 157,000 $ 31,400 $ 45,000
Mower, Minnesota 5 $ 248,000 $ 49,600 $ 81,000
Essex, New Jersey 5 $ 907,000 $ 181,400 $ 64,000
Hudson, New Jersey 5 $ 1,120,000 $ 224,000 $ 128,000
Ocean, New Jersey 5 $ 553,000 $ 110,600 $ 94,000
Nassau, New York 5 $ 1,337,000 $ 267,400 $ 154,000
Dallas, Texas 5 $ 453,000 $ 90,600 $ 75,000
Arlington, Virginia 5 $ 674,000 $ 134,800 $ 125,000
Waukesha, Wisconsin 5 $ 1,068,000 $ 213,600 $ 136,000
Pima, Arizona 4 $ 560,000 $ 140,000 $ 90,000
Contra Costa, California 4 $ 1,331,000 $ 332,750 $ 164,000
Humboldt, California 4 $ 150,000 $ 37,500 $ 62,000
Orange, California 4 $ 656,000 $ 164,000 $ 102,000
Denver, Colorado 4 $ 183,000 $ 45,750 $ 94,000
Hartford, Connecticut 4 $ 272,000 $ 68,000 $ 83,000
DeKalb, Georgia 4 $ 299,000 $ 74,750 $ 137,000
Fulton, Georgia 4 $ 134,000 $ 33,500 $ 80,000
Ada, Idaho 4 $ 313,000 $ 78,250 $ 54,000
Huntington, Indiana 4 $ 96,000 $ 24,000 $ 38,000
Johnson, Iowa 4 $ 320,000 $ 80,000 $ 108,000
Middlesex, Massachusetts 4 $ 1,093,000 $ 273,250 $ 114,000
Blue Earth, Minnesota 4 $ 112,000 $ 28,000 $ 42,000
Mille Lacs, Minnesota 4 $ 164,000 $ 41,000 $ 56,000
Steele, Minnesota 4 $ 383,000 $ 95,750 $ 85,000
Morris, New Jersey 4 $ 1,783,000 $ 445,750 $ 171,000
Passaic, New Jersey 4 $ 247,000 $ 61,750 $ 78,000
Bernalillo, New Mexico 4 $ 734,000 $ 183,500 $ 95,000
Bronx, New York 4 $ 435,000 $ 108,750 $ 58,000
Queens, New York 4 $ 400,000 $ 100,000 $ 130,000
Cass, North Dakota 4 $ 143,000 $ 35,750 $ 97,000
Erie, Ohio 4 $ 139,000 $ 34,750 $ 105,000
Franklin, Ohio 4 $ 589,000 $ 147,250 $ 40,000
Tulsa, Oklahoma 4 $ 126,000 $ 31,500 $ 97,000
Denton, Texas 4 $ 235,000 $ 58,750 $ 134,000
Tarrant, Texas 4 $ 697,000 $ 174,250 $ 152,000
Clark, Washington 4 $ 544,000 $ 136,000 $ 85,000
Pierce, Wisconsin 4 $ 222,000 $ 55,500 $ 45,000
Polk, Wisconsin 4 $ 329,000 $ 82,250 $ 97,000
Madison, Alabama 3 $ 62,000 $ 20,666 $ 63,000
Sacramento, California 3 $ 764,000 $ 254,666 $ 102,000
San Diego, California 3 $ 983,000 $ 327,666 $ 108,000
Solano, California 3 $ 203,000 $ 67,666 $ 125,000
Jefferson, Colorado 3 $ 1,222,000 $ 407,333 $ 137,000
Weld, Colorado 3 $ 66,000 $ 22,000 $ 62,000
New Haven, Connecticut 3 $ 548,000 $ 182,666 $ 88,000
New Castle, Delaware 3 $ 240,000 $ 80,000 $ 77,000
Orange, Florida 3 $ 273,000 $ 91,000 $ 143,000
Pasco, Florida 3 $ 687,000 $ 229,000 $ 168,000
Volusia, Florida 3 $ 459,000 $ 153,000 $ 78,000
Ford, Illinois 3 $ 71,000 $ 23,666 $ 69,000
Cass, Indiana 3 $ 71,000 $ 23,666 $ 69,000
Fayette, Indiana 3 $ 31,000 $ 10,333 $ 32,000
Lake, Indiana 3 $ 330,000 $ 110,000 $ 107,000
Black Hawk, Iowa 3 $ 94,000 $ 31,333 $ 67,000
Cerro Gordo, Iowa 3 $ 177,000 $ 59,000 $ 61,000
Pottawattamie, Iowa 3 $ 73,000 $ 24,333 $ 114,000
Jefferson, Kentucky 3 $ 406,000 $ 135,333 $ 128,000
Anne Arundel, Maryland 3 $ 1,053,000 $ 351,000 $ 137,000
Baltimore City, Maryland 3 $ 533,000 $ 177,666 $ 132,000
Carroll, Maryland 3 $ 130,000 $ 43,333 $ 97,000
Essex, Massachusetts 3 $ 316,000 $ 105,333 $ 60,000
Kalamazoo, Michigan 3 $ 234,000 $ 78,000 $ 179,000
Clay, Minnesota 3 $ 120,000 $ 40,000 $ 79,000
Crow Wing, Minnesota 3 $ 79,000 $ 26,333 $ 72,000
Waseca, Minnesota 3 $ 147,000 $ 49,000 $ 63,000
St. Charles, Missouri 3 $ 45,000 $ 15,000 $ 85,000
Sarpy, Nebraska 3 $ 167,000 $ 55,666 $ 178,000
Rockingham, New Hampshire 3 $ 145,000 $ 48,333 $ 170,000
Hunterdon, New Jersey 3 $ 160,000 $ 53,333 $ 155,000
Sussex, New Jersey 3 $ 619,000 $ 206,333 $ 162,000
Onondaga, New York 3 $ 130,000 $ 43,333 $ 65,000
Rockland, New York 3 $ 873,000 $ 291,000 $ 214,000
Muskingum, Ohio 3 $ 75,000 $ 25,000 $ 68,000
Van Wert, Ohio 3 $ 56,000 $ 18,666 $ 48,000
Oklahoma, Oklahoma 3 $ 73,000 $ 24,333 $ 95,000
Jackson, Oregon 3 $ 905,000 $ 301,666 $ 97,000
Delaware, Pennsylvania 3 $ 1,096,000 $ 365,333 $ 228,000
Montgomery, Pennsylvania 3 $ 703,000 $ 234,333 $ 93,000
Kershaw, South Carolina 3 $ 57,000 $ 19,000 $ 78,000
Minnehaha, South Dakota 3 $ 95,000 $ 31,666 $ 329,000
Davidson, Tennessee 3 $ 80,000 $ 26,666 $ 63,000
Bexar, Texas 3 $ 123,000 $ 41,000 $ 91,000
Davis, Utah 3 $ 135,000 $ 45,000 $ 150,000
Summit, Utah 3 $ 297,000 $ 99,000 $ 89,000
Windsor, Vermont 3 $ 217,000 $ 72,333 $ 85,000
Stafford, Virginia 3 $ 185,000 $ 61,666 $ 118,000
Brown, Wisconsin 3 $ 135,000 $ 45,000 $ 62,000
Dane, Wisconsin 3 $ 98,000 $ 32,666 $ 81,000
Milwaukee, Wisconsin 3 $ 106,000 $ 35,333 $ 65,000
Walworth, Wisconsin 3 $ 105,000 $ 35,000 $ 238,000
Anchorage, Alaska 2 $ 173,000 $ 86,500 $ 102,000
Fairbanks North Star, Alaska 2 $ 100,000 $ 50,000 $ 110,000
Mohave, Arizona 2 $ 66,000 $ 33,000 $ 65,000
Benton, Arkansas 2 $ 22,000 $ 11,000 $ 42,000
Fresno, California 2 $ 235,000 $ 117,500 $ 189,000
Placer, California 2 $ 959,000 $ 479,500 $ 218,000
Siskiyou, California 2 $ 541,000 $ 270,500 $ 60,000
Sonoma, California 2 $ 133,000 $ 66,500 $ 147,000
Stanislaus, California 2 $ 88,000 $ 44,000 $ 157,000
Tulare, California 2 $ 75,000 $ 37,500 $ 142,000
Ventura, California 2 $ 998,000 $ 499,000 $ 128,000
Arapahoe, Colorado 2 $ 55,000 $ 27,500 $ 43,000
Litchfield, Connecticut 2 $ 102,000 $ 51,000 $ 110,000
Bay, Florida 2 $ 280,000 $ 140,000 $ 98,000
Escambia, Florida 2 $ 830,000 $ 415,000 $ 193,000
Leon, Florida 2 $ 106,000 $ 53,000 $ 51,000
Manatee, Florida 2 $ 55,000 $ 27,500 $ 85,000
Miami-Dade, Florida 2 $ 521,000 $ 260,500 $ 212,000
Okaloosa, Florida 2 $ 994,000 $ 497,000 $ 235,000
Santa Rosa, Florida 2 $ 374,000 $ 187,000 $ 87,000
Chatham, Georgia 2 $ 140,000 $ 70,000 $ 63,000
Maui, Hawaii 2 $ 824,000 $ 412,000 $ 82,000
Canyon, Idaho 2 $ 117,000 $ 58,500 $ 63,000
Effingham, Illinois 2 $ 35,000 $ 17,500 $ 40,000
Jo Daviess, Illinois 2 $ 20,000 $ 10,000 $ 113,000
Tazewell, Illinois 2 $ 59,000 $ 29,500 $ 90,000
Vermilion, Illinois 2 $ 50,000 $ 25,000 $ 44,000
Winnebago, Illinois 2 $ 80,000 $ 40,000 $ 70,000
Monroe, Indiana 2 $ 48,000 $ 24,000 $ 42,000
Ripley, Indiana 2 $ 130,000 $ 65,000 $ 87,000
Boone, Iowa 2 $ 137,000 $ 68,500 $ 131,000
Des Moines, Iowa 2 $ 56,000 $ 28,000 $ 127,000
Dubuque, Iowa 2 $ 46,000 $ 23,000 $ 55,000
Jasper, Iowa 2 $ 55,000 $ 27,500 $ 32,000
Lucas, Iowa 2 $ 73,000 $ 36,500 $ 78,000
Mahaska, Iowa 2 $ 72,000 $ 36,000 $ 73,000
Union, Iowa 2 $ 35,000 $ 17,500 $ 43,000
Calcasieu, Louisiana 2 $ 28,000 $ 14,000 $ 29,000
Harford, Maryland 2 $ 351,000 $ 175,500 $ 83,000
Kent, Michigan 2 $ 90,000 $ 45,000 $ 87,000
Monroe, Michigan 2 $ 159,000 $ 79,500 $ 86,000
Lyon, Minnesota 2 $ 50,000 $ 25,000 $ 46,000
Otter Tail, Minnesota 2 $ 55,000 $ 27,500 $ 37,000
Clay, Missouri 2 $ 135,000 $ 67,500 $ 73,000
Hillsborough, New Hampshire 2 $ 110,000 $ 55,000 $ 103,000
Bergen, New Jersey 2 $ 175,000 $ 87,500 $ 71,000
Burlington, New Jersey 2 $ 83,000 $ 41,500 $ 66,000
Somerset, New Jersey 2 $ 314,000 $ 157,000 $ 143,000
Union, New Jersey 2 $ 90,000 $ 45,000 $ 87,000
Warren, New Jersey 2 $ 398,000 $ 199,000 $ 123,000
Sandoval, New Mexico 2 $ 224,000 $ 112,000 $ 143,000
Erie, New York 2 $ 31,000 $ 15,500 $ 45,000
Westchester, New York 2 $ 514,000 $ 257,000 $ 122,000
Burke, North Carolina 2 $ 98,000 $ 49,000 $ 158,000
Orange, North Carolina 2 $ 73,000 $ 36,500 $ 93,000
Cuyahoga, Ohio 2 $ 139,000 $ 69,500 $ 76,000
Greene, Ohio 2 $ 49,000 $ 24,500 $ 86,000
Hardin, Ohio 2 $ 53,000 $ 26,500 $ 45,000
Mercer, Ohio 2 $ 62,000 $ 31,000 $ 86,000
Warren, Ohio 2 $ 50,000 $ 25,000 $ 52,000
Coos, Oregon 2 $ 1,285,000 $ 642,500 $ 297,000
Lane, Oregon 2 $ 93,000 $ 46,500 $ 64,000
Washington, Oregon 2 $ 220,000 $ 110,000 $ 80,000
Allegheny, Pennsylvania 2 $ 35,000 $ 17,500 $ 56,000
Bucks, Pennsylvania 2 $ 175,000 $ 87,500 $ 194,000
Butler, Pennsylvania 2 $ 177,000 $ 88,500 $ 95,000
Dauphin, Pennsylvania 2 $ 39,000 $ 19,500 $ 84,000
Luzerne, Pennsylvania 2 $ 40,000 $ 20,000 $ 94,000
Philadelphia, Pennsylvania 2 $ 130,000 $ 65,000 $ 49,000
York, Pennsylvania 2 $ 40,000 $ 20,000 $ 9,000
Providence, Rhode Island 2 $ 109,000 $ 54,500 $ 63,000
Horry, South Carolina 2 $ 478,000 $ 239,000 $ 47,000
Richland, South Carolina 2 $ 67,000 $ 33,500 $ 29,000
Williamson, Tennessee 2 $ 48,000 $ 24,000 $ 67,000
Collin, Texas 2 $ 242,000 $ 121,000 $ 165,000
El Paso, Texas 2 $ 69,000 $ 34,500 $ 71,000
Washington, Utah 2 $ 234,000 $ 117,000 $ 23,000
Alexandria, Virginia 2 $ 398,000 $ 199,000 $ 60,000
Chesapeake, Virginia 2 $ 55,000 $ 27,500 $ 116,000
Fairfax City, Virginia 2 $ 346,000 $ 173,000 $ 126,000
Henrico, Virginia 2 $ 85,000 $ 42,500 $ 92,000
King George, Virginia 2 $ 246,000 $ 123,000 $ 67,000
Richmond City, Virginia 2 $ 85,000 $ 42,500 $ 86,000
Roanoke, Virginia 2 $ 246,000 $ 123,000 $ 74,000
Cowlitz, Washington 2 $ 162,000 $ 81,000 $ 70,000
Kittitas, Washington 2 $ 50,000 $ 25,000 $ 30,000
Spokane, Washington 2 $ 53,000 $ 26,500 $ 92,000
Jefferson, West Virginia 2 $ 518,000 $ 259,000 $ 141,000
Douglas, Wisconsin 2 $ 151,000 $ 75,500 $ 63,000
Oconto, Wisconsin 2 $ 220,000 $ 110,000 $ 83,000
Sawyer, Wisconsin 2 $ 80,000 $ 40,000 $ 30,000
Vilas, Wisconsin 2 $ 261,000 $ 130,500 $ 23,000
Calhoun, Alabama 1 $ 20,000 $ 20,000 $ 54,000
Elmore, Alabama 1 $ 25,000 $ 25,000 $ 37,000
Etowah, Alabama 1 $ 35,000 $ 35,000 $ 71,000
Houston, Alabama 1 $ 40,000 $ 40,000 $ 104,000
Jefferson, Alabama 1 $ 161,000 $ 161,000 $ 102,000
Russell, Alabama 1 $ 18,000 $ 18,000 $ 45,000
Tallapoosa, Alabama 1 $ 28,000 $ 28,000 $ 124,000
Cochise, Arizona 1 $ 50,000 $ 50,000 $ 144,000
Gila, Arizona 1 $ 20,000 $ 20,000 $ 96,000
Yavapai, Arizona 1 $ 135,000 $ 135,000 $ 88,000
Jefferson, Arkansas 1 $ 10,000 $ 10,000 $ 34,000
Pulaski, Arkansas 1 $ 15,000 $ 15,000 $ 53,000
Saline, Arkansas 1 $ 12,000 $ 12,000 $ 48,000
Washington, Arkansas 1 $ 562,000 $ 562,000 $ 210,000
Butte, California 1 $ 45,000 $ 45,000 $ 78,000
Kern, California 1 $ 51,000 $ 51,000 $ 112,000
Mendocino, California 1 $ 30,000 $ 30,000 $ 100,000
San Francisco, California 1 $ 706,000 $ 706,000 $ 330,000
Adams, Colorado 1 $ 66,000 $ 66,000 $ 102,000
Archuleta, Colorado 1 $ 262,000 $ 262,000 $ 88,000
Boulder, Colorado 1 $ 40,000 $ 40,000 $ 41,000
Eagle, Colorado 1 $ 211,000 $ 211,000 $ 84,000
Elbert, Colorado 1 $ 54,000 $ 54,000 $ 166,000
Garfield, Colorado 1 $ 173,000 $ 173,000 $ 60,000
Gunnison, Colorado 1 $ 491,000 $ 491,000 $ 0
Mesa, Colorado 1 $ 50,000 $ 50,000 $ 97,000
Montrose, Colorado 1 $ 176,000 $ 176,000 $ 93,000
Pueblo, Colorado 1 $ 10,000 $ 10,000 $ 45,000
Summit, Colorado 1 $ 1,000,000 $ 1,000,000 $ 0
Middlesex, Connecticut 1 $ 35,000 $ 35,000 $ 94,000
New London, Connecticut 1 $ 50,000 $ 50,000 $ 110,000
Windham, Connecticut 1 $ 15,000 $ 15,000 $ 55,000
Citrus, Florida 1 $ 20,000 $ 20,000 $ 37,000
Hendry, Florida 1 $ 10,000 $ 10,000 $ 58,000
Lake, Florida 1 $ 25,000 $ 25,000 $ 77,000
Marion, Florida 1 $ 55,000 $ 55,000 $ 64,000
Martin, Florida 1 $ 708,000 $ 708,000 $ 315,000
Nassau, Florida 1 $ 992,000 $ 992,000 $ 188,000
Palm Beach, Florida 1 $ 50,000 $ 50,000 $ 126,000
Polk, Florida 1 $ 60,000 $ 60,000 $ 109,000
Sarasota, Florida 1 $ 149,000 $ 149,000 $ 127,000
St. Johns, Florida 1 $ 574,000 $ 574,000 $ 134,000
Sumter, Florida 1 $ 25,000 $ 25,000 $ 47,000
Cherokee, Georgia 1 $ 50,000 $ 50,000 $ 40,000
Clayton, Georgia 1 $ 110,000 $ 110,000 $ 55,000
Forsyth, Georgia 1 $ 30,000 $ 30,000 $ 81,000
Habersham, Georgia 1 $ 26,000 $ 26,000 $ 71,000
Newton, Georgia 1 $ 36,000 $ 36,000 $ 56,000
Paulding, Georgia 1 $ 15,000 $ 15,000 $ 49,000
Sumter, Georgia 1 $ 10,000 $ 10,000 $ 24,000
Walton, Georgia 1 $ 25,000 $ 25,000 $ 142,000
Whitfield, Georgia 1 $ 86,000 $ 86,000 $ 72,000
Bannock, Idaho 1 $ 18,000 $ 18,000 $ 54,000
Blaine, Idaho 1 $ 960,000 $ 960,000 $ 216,000
Kootenai, Idaho 1 $ 50,000 $ 50,000 $ 66,000
Clay, Illinois 1 $ 20,000 $ 20,000 $ 19,000
De Witt, Illinois 1 $ 31,000 $ 31,000 $ 117,000
DeKalb, Illinois 1 $ 110,000 $ 110,000 $ 131,000
Edgar, Illinois 1 $ 20,000 $ 20,000 $ 23,000
Henry, Illinois 1 $ 24,000 $ 24,000 $ 84,000
Iroquois, Illinois 1 $ 23,000 $ 23,000 $ 112,000
LaSalle, Illinois 1 $ 16,000 $ 16,000 $ 29,000
Livingston, Illinois 1 $ 14,000 $ 14,000 $ 52,000
Macon, Illinois 1 $ 25,000 $ 25,000 $ 60,000
Marion, Illinois 1 $ 16,000 $ 16,000 $ 14,000
Ogle, Illinois 1 $ 69,000 $ 69,000 $ 87,000
Peoria, Illinois 1 $ 7,000 $ 7,000 $ 66,000
Rock Island, Illinois 1 $ 47,000 $ 47,000 $ 71,000
Washington, Illinois 1 $ 80,000 $ 80,000 $ 360,000
Whiteside, Illinois 1 $ 51,000 $ 51,000 $ 79,000
Allen, Indiana 1 $ 36,000 $ 36,000 $ 99,000
Boone, Indiana 1 $ 54,000 $ 54,000 $ 51,000
Carroll, Indiana 1 $ 42,000 $ 42,000 $ 32,000
Delaware, Indiana 1 $ 27,000 $ 27,000 $ 88,000
Gibson, Indiana 1 $ 24,000 $ 24,000 $ 75,000
Grant, Indiana 1 $ 18,000 $ 18,000 $ 48,000
Hamilton, Indiana 1 $ 51,000 $ 51,000 $ 101,000
Howard, Indiana 1 $ 30,000 $ 30,000 $ 64,000
Johnson, Indiana 1 $ 15,000 $ 15,000 $ 60,000
Kosciusko, Indiana 1 $ 60,000 $ 60,000 $ 84,000
LaPorte, Indiana 1 $ 32,000 $ 32,000 $ 77,000
Madison, Indiana 1 $ 20,000 $ 20,000 $ 50,000
Marshall, Indiana 1 $ 25,000 $ 25,000 $ 23,000
Miami, Indiana 1 $ 15,000 $ 15,000 $ 45,000
Randolph, Indiana 1 $ 23,000 $ 23,000 $ 58,000
Shelby, Indiana 1 $ 42,000 $ 42,000 $ 113,000
St. Joseph, Indiana 1 $ 35,000 $ 35,000 $ 78,000
Steuben, Indiana 1 $ 252,000 $ 252,000 $ 99,000
Tippecanoe, Indiana 1 $ 12,000 $ 12,000 $ 97,000
Wells, Indiana 1 $ 46,000 $ 46,000 $ 58,000
Whitley, Indiana 1 $ 33,000 $ 33,000 $ 46,000
Benton, Iowa 1 $ 38,000 $ 38,000 $ 76,000
Bremer, Iowa 1 $ 35,000 $ 35,000 $ 74,000
Cass, Iowa 1 $ 25,000 $ 25,000 $ 59,000
Cedar, Iowa 1 $ 70,000 $ 70,000 $ 96,000
Clarke, Iowa 1 $ 15,000 $ 15,000 $ 77,000
Clay, Iowa 1 $ 30,000 $ 30,000 $ 62,000
Davis, Iowa 1 $ 20,000 $ 20,000 $ 102,000
Harrison, Iowa 1 $ 75,000 $ 75,000 $ 68,000
Humboldt, Iowa 1 $ 14,000 $ 14,000 $ 104,000
Jackson, Iowa 1 $ 25,000 $ 25,000 $ 52,000
Jefferson, Iowa 1 $ 25,000 $ 25,000 $ 99,000
Madison, Iowa 1 $ 17,000 $ 17,000 $ 71,000
Marion, Iowa 1 $ 90,000 $ 90,000 $ 206,000
Marshall, Iowa 1 $ 25,000 $ 25,000 $ 0
Montgomery, Iowa 1 $ 45,000 $ 45,000 $ 31,000
Scott, Iowa 1 $ 66,000 $ 66,000 $ 80,000
Wright, Iowa 1 $ 18,000 $ 18,000 $ 43,000
Doniphan, Kansas 1 $ 14,000 $ 14,000 $ 68,000
Leavenworth, Kansas 1 $ 40,000 $ 40,000 $ 94,000
Montgomery, Kansas 1 $ 15,000 $ 15,000 $ 26,000
Sedgwick, Kansas 1 $ 15,000 $ 15,000 $ 34,000
Shawnee, Kansas 1 $ 130,000 $ 130,000 $ 27,000
Anderson, Kentucky 1 $ 25,000 $ 25,000 $ 60,000
Boone, Kentucky 1 $ 31,000 $ 31,000 $ 30,000
Boyle, Kentucky 1 $ 30,000 $ 30,000 $ 85,000
Campbell, Kentucky 1 $ 70,000 $ 70,000 $ 186,000
Garrard, Kentucky 1 $ 20,000 $ 20,000 $ 41,000
Kenton, Kentucky 1 $ 31,000 $ 31,000 $ 39,000
Laurel, Kentucky 1 $ 26,000 $ 26,000 $ 223,000
Madison, Kentucky 1 $ 20,000 $ 20,000 $ 200,000
Marion, Kentucky 1 $ 16,000 $ 16,000 $ 70,000
Oldham, Kentucky 1 $ 22,000 $ 22,000 $ 95,000
Scott, Kentucky 1 $ 30,000 $ 30,000 $ 144,000
Bienville, Louisiana 1 $ 50,000 $ 50,000 $ 72,000
Jefferson, Louisiana 1 $ 13,000 $ 13,000 $ 49,000
Livingston, Louisiana 1 $ 17,000 $ 17,000 $ 35,000
Webster, Louisiana 1 $ 15,000 $ 15,000 $ 39,000
Knox, Maine 1 $ 45,000 $ 45,000 $ 112,000
Oxford, Maine 1 $ 25,000 $ 25,000 $ 98,000
Penobscot, Maine 1 $ 28,000 $ 28,000 $ 68,000
Charles, Maryland 1 $ 440,000 $ 440,000 $ 204,000
Washington, Maryland 1 $ 155,000 $ 155,000 $ 91,000
Wicomico, Maryland 1 $ 35,000 $ 35,000 $ 26,000
Worcester, Maryland 1 $ 36,000 $ 36,000 $ 117,000
Norfolk, Massachusetts 1 $ 84,000 $ 84,000 $ 121,000
Plymouth, Massachusetts 1 $ 45,000 $ 45,000 $ 45,000
Suffolk, Massachusetts 1 $ 200,000 $ 200,000 $ 103,000
Antrim, Michigan 1 $ 531,000 $ 531,000 $ 390,000
Calhoun, Michigan 1 $ 43,000 $ 43,000 $ 81,000
Cass, Michigan 1 $ 174,000 $ 174,000 $ 116,000
Eaton, Michigan 1 $ 17,000 $ 17,000 $ 61,000
Genesee, Michigan 1 $ 25,000 $ 25,000 $ 28,000
Ingham, Michigan 1 $ 25,000 $ 25,000 $ 39,000
Macomb, Michigan 1 $ 31,000 $ 31,000 $ 63,000
Marquette, Michigan 1 $ 30,000 $ 30,000 $ 41,000
Midland, Michigan 1 $ 80,000 $ 80,000 $ 140,000
Montcalm, Michigan 1 $ 14,000 $ 14,000 $ 35,000
Muskegon, Michigan 1 $ 10,000 $ 10,000 $ 14,000
Newaygo, Michigan 1 $ 40,000 $ 40,000 $ 48,000
Oakland, Michigan 1 $ 130,000 $ 130,000 $ 123,000
Ottawa, Michigan 1 $ 20,000 $ 20,000 $ 73,000
Saginaw, Michigan 1 $ 35,000 $ 35,000 $ 72,000
St. Clair, Michigan 1 $ 50,000 $ 50,000 $ 61,000
Washtenaw, Michigan 1 $ 498,000 $ 498,000 $ 253,000
Wayne, Michigan 1 $ 10,000 $ 10,000 $ 55,000
Aitkin, Minnesota 1 $ 149,000 $ 149,000 $ 100,000
Beltrami, Minnesota 1 $ 37,000 $ 37,000 $ 70,000
Benton, Minnesota 1 $ 154,000 $ 154,000 $ 35,000
Carlton, Minnesota 1 $ 41,000 $ 41,000 $ 19,000
Cass, Minnesota 1 $ 21,000 $ 21,000 $ 168,000
Cook, Minnesota 1 $ 100,000 $ 100,000 $ 331,000
Fillmore, Minnesota 1 $ 35,000 $ 35,000 $ 79,000
Houston, Minnesota 1 $ 34,000 $ 34,000 $ 54,000
Hubbard, Minnesota 1 $ 22,000 $ 22,000 $ 48,000
Itasca, Minnesota 1 $ 66,000 $ 66,000 $ 92,000
Kanabec, Minnesota 1 $ 27,000 $ 27,000 $ 45,000
Kandiyohi, Minnesota 1 $ 10,000 $ 10,000 $ 78,000
Le Sueur, Minnesota 1 $ 46,000 $ 46,000 $ 356,000
Meeker, Minnesota 1 $ 17,000 $ 17,000 $ 56,000
Morrison, Minnesota 1 $ 22,000 $ 22,000 $ 68,000
Murray, Minnesota 1 $ 48,000 $ 48,000 $ 82,000
Nicollet, Minnesota 1 $ 30,000 $ 30,000 $ 59,000
Olmsted, Minnesota 1 $ 30,000 $ 30,000 $ 37,000
Pine, Minnesota 1 $ 16,000 $ 16,000 $ 36,000
Pipestone, Minnesota 1 $ 29,000 $ 29,000 $ 126,000
Polk, Minnesota 1 $ 21,000 $ 21,000 $ 98,000
Redwood, Minnesota 1 $ 15,000 $ 15,000 $ 45,000
Renville, Minnesota 1 $ 28,000 $ 28,000 $ 70,000
Sibley, Minnesota 1 $ 30,000 $ 30,000 $ 36,000
Wabasha, Minnesota 1 $ 37,000 $ 37,000 $ 83,000
Adams, Mississippi 1 $ 45,000 $ 45,000 $ 67,000
Hinds, Mississippi 1 $ 35,000 $ 35,000 $ 29,000
Lee, Mississippi 1 $ 475,000 $ 475,000 $ 147,000
Cass, Missouri 1 $ 50,000 $ 50,000 $ 103,000
Cole, Missouri 1 $ 20,000 $ 20,000 $ 20,000
Dent, Missouri 1 $ 25,000 $ 25,000 $ 98,000
Jackson, Missouri 1 $ 57,000 $ 57,000 $ 110,000
Jefferson, Missouri 1 $ 210,000 $ 210,000 $ 41,000
St. Louis City, Missouri 1 $ 69,000 $ 69,000 $ 85,000
Cascade, Montana 1 $ 44,000 $ 44,000 $ 50,000
Gallatin, Montana 1 $ 50,000 $ 50,000 $ 125,000
Ravalli, Montana 1 $ 125,000 $ 125,000 $ 181,000
Butler, Nebraska 1 $ 28,000 $ 28,000 $ 109,000
Dodge, Nebraska 1 $ 20,000 $ 20,000 $ 47,000
Garfield, Nebraska 1 $ 23,000 $ 23,000 $ 120,000
Hall, Nebraska 1 $ 10,000 $ 10,000 $ 0
Hamilton, Nebraska 1 $ 20,000 $ 20,000 $ 0
Nemaha, Nebraska 1 $ 73,000 $ 73,000 $ 56,000
Washoe, Nevada 1 $ 287,000 $ 287,000 $ 252,000
Camden, New Jersey 1 $ 304,000 $ 304,000 $ 78,000
Mercer, New Jersey 1 $ 85,000 $ 85,000 $ 94,000
Dona Ana, New Mexico 1 $ 20,000 $ 20,000 $ 54,000
Rio Arriba, New Mexico 1 $ 78,000 $ 78,000 $ 85,000
Santa Fe, New Mexico 1 $ 20,000 $ 20,000 $ 63,000
Valencia, New Mexico 1 $ 15,000 $ 15,000 $ 72,000
Allegany, New York 1 $ 75,000 $ 75,000 $ 34,000
Broome, New York 1 $ 50,000 $ 50,000 $ 37,000
Dutchess, New York 1 $ 40,000 $ 40,000 $ 190,000
Monroe, New York 1 $ 75,000 $ 75,000 $ 73,000
New York, New York 1 $ 492,000 $ 492,000 $ 125,000
Orange, New York 1 $ 195,000 $ 195,000 $ 95,000
Putnam, New York 1 $ 30,000 $ 30,000 $ 83,000
Richmond, New York 1 $ 400,000 $ 400,000 $ 310,000
Carteret, North Carolina 1 $ 139,000 $ 139,000 $ 144,000
Chatham, North Carolina 1 $ 912,000 $ 912,000 $ 358,000
Craven, North Carolina 1 $ 50,000 $ 50,000 $ 36,000
Davidson, North Carolina 1 $ 40,000 $ 40,000 $ 91,000
Forsyth, North Carolina 1 $ 150,000 $ 150,000 $ 180,000
Gates, North Carolina 1 $ 33,000 $ 33,000 $ 70,000
Henderson, North Carolina 1 $ 25,000 $ 25,000 $ 25,000
Iredell, North Carolina 1 $ 35,000 $ 35,000 $ 64,000
New Hanover, North Carolina 1 $ 60,000 $ 60,000 $ 81,000
Burleigh, North Dakota 1 $ 21,000 $ 21,000 $ 62,000
Auglaize, Ohio 1 $ 13,000 $ 13,000 $ 66,000
Belmont, Ohio 1 $ 60,000 $ 60,000 $ 112,000
Brown, Ohio 1 $ 40,000 $ 40,000 $ 31,000
Columbiana, Ohio 1 $ 6,000 $ 6,000 $ 24,000
Fairfield, Ohio 1 $ 80,000 $ 80,000 $ 50,000
Hamilton, Ohio 1 $ 39,000 $ 39,000 $ 67,000
Hancock, Ohio 1 $ 26,000 $ 26,000 $ 67,000
Henry, Ohio 1 $ 10,000 $ 10,000 $ 32,000
Hocking, Ohio 1 $ 16,000 $ 16,000 $ 77,000
Huron, Ohio 1 $ 19,000 $ 19,000 $ 52,000
Lake, Ohio 1 $ 18,000 $ 18,000 $ 63,000
Licking, Ohio 1 $ 15,000 $ 15,000 $ 103,000
Lorain, Ohio 1 $ 17,000 $ 17,000 $ 40,000
Morrow, Ohio 1 $ 22,000 $ 22,000 $ 45,000
Noble, Ohio 1 $ 30,000 $ 30,000 $ 53,000
Perry, Ohio 1 $ 43,000 $ 43,000 $ 99,000
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Mortgage Loan Application Detail Totals for Principal Bank in 2006

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 1,121 $84,278,000 $75,000 $960,000 $90,000 $638,000
Home Purchase 682 $92,360,000 $135,000 $1,000,000 $108,000 $833,000
Home Improvement 493 $18,832,000 $38,000 $200,000 $79,000 $419,000

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 1,539 $163,177,000 $106,000 $1,000,000 $97,000 $757,000
White 448 $17,299,000 $38,000 $250,000 $80,000 $833,000
Not Provided 228 $10,805,000 $47,000 $200,000 $92,000 $419,000
Asian 28 $1,673,000 $59,000 $151,000 $103,000 $300,000
Hispanic 26 $1,129,000 $43,000 $200,000 $80,000 $206,000
Black or African American 25 $1,302,000 $52,000 $200,000 $76,000 $311,000
American Indian or Alaskan Native 2 $85,000 $42,000 $75,000 $86,000 $120,000
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) 2,296 $195,470,000 $85,000 $1,000,000 $93,000 $833,000
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 1,539 $163,177,000 $106,000 $1,000,000 $97,000 $757,000
Loan Originated 343 $13,390,000 $39,000 $155,000 $88,000 $419,000
Application Approved But Not Accepted 214 $10,295,000 $48,000 $200,000 $100,000 $833,000
Application Denied By Financial Institution 198 $8,459,000 $42,000 $250,000 $61,000 $360,000
File Closed For Incompleteness 2 $149,000 $74,000 $89,000 $88,000 $120,000
Application Withdrawn By Applicant 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 134 $5,427,000 $40,000 $200,000 $66,000 $360,000
Debt-To-Income Ratio 56 $2,479,000 $44,000 $200,000 $45,000 $127,000
Collateral 5 $449,000 $89,000 $250,000 $101,000 $204,000
Employment History 2 $75,000 $37,000 $50,000 $90,000 $120,000
Credit Application Incomplete 1 $29,000 $29,000 $29,000 $55,000 $55,000
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 2006 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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