Principal Bank Mortgage Lending & HMDA Data, 2003
In 2003, Principal Bank of Des Moines, IA reported 8,069 mortgage applications totaling $1.0 billion. The average application was for $124,364, and applicants reported an average income of $92,726. 19% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Des Moines, IA (558), Chicago, IL (455) and Atlanta, GA (221) (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 | 8,069 |
| Total Mortgage Loan Application Amount | $1,003,499,000 |
| Average Mortgage Loan Application Amount | $124,364 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $92,726 |
| Highest Applicant Income | $3,252,000 |
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Act (HMDA) records Principal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Des Moines, IA | 558 | $ 16,710,000 | $ 29,946 | $ 97,000 |
| Chicago, IL | 455 | $ 113,673,000 | $ 249,830 | $ 103,000 |
| Atlanta, GA | 221 | $ 19,036,000 | $ 86,135 | $ 80,000 |
| Denver, CO | 193 | $ 30,687,000 | $ 159,000 | $ 95,000 |
| Omaha, NE-IA | 175 | $ 5,058,000 | $ 28,902 | $ 78,000 |
| Detroit, MI | 163 | $ 56,505,000 | $ 346,656 | $ 108,000 |
| Minneapolis-St. Paul, MN-WI | 140 | $ 11,056,000 | $ 78,971 | $ 84,000 |
| San Jose, CA | 134 | $ 66,115,000 | $ 493,395 | $ 111,000 |
| Phoenix-Mesa, AZ | 123 | $ 30,022,000 | $ 244,081 | $ 133,000 |
| Seattle-Bellevue-Everett, WA | 117 | $ 27,674,000 | $ 236,529 | $ 98,000 |
| San Diego, CA | 111 | $ 37,213,000 | $ 335,252 | $ 93,000 |
| Oakland, CA | 105 | $ 42,513,000 | $ 404,885 | $ 129,000 |
| Philadelphia, PA-NJ | 105 | $ 5,500,000 | $ 52,380 | $ 93,000 |
| Boston, MA-NH | 104 | $ 20,565,000 | $ 197,740 | $ 116,000 |
| St. Louis, MO-IL | 101 | $ 12,452,000 | $ 123,287 | $ 78,000 |
| Los Angeles-Long Beach, CA | 100 | $ 20,017,000 | $ 200,170 | $ 140,000 |
| Baltimore, MD | 90 | $ 11,043,000 | $ 122,700 | $ 105,000 |
| Orange County, CA | 71 | $ 28,853,000 | $ 406,380 | $ 105,000 |
| Dallas, TX | 69 | $ 16,501,000 | $ 239,144 | $ 137,000 |
| Portland-Vancouver, OR-WA | 69 | $ 6,088,000 | $ 88,231 | $ 99,000 |
| Kansas City, MO-KS | 66 | $ 2,411,000 | $ 36,530 | $ 79,000 |
| Cedar Rapids, IA | 65 | $ 1,834,000 | $ 28,215 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 65 | $ 1,674,000 | $ 25,753 | $ 66,000 |
| Newark, NJ | 63 | $ 7,419,000 | $ 117,761 | $ 116,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 61 | $ 1,859,000 | $ 30,475 | $ 65,000 |
| Salt Lake City-Ogden, UT | 58 | $ 5,579,000 | $ 96,189 | $ 61,000 |
| Middlesex-Somerset-Hunterdon, NJ | 57 | $ 5,959,000 | $ 104,543 | $ 101,000 |
| Riverside-San Bernardino, CA | 57 | $ 5,043,000 | $ 88,473 | $ 85,000 |
| Las Vegas, NV-AZ | 56 | $ 3,118,000 | $ 55,678 | $ 69,000 |
| Hartford, CT | 55 | $ 1,610,000 | $ 29,272 | $ 88,000 |
| Milwaukee-Waukesha, WI | 53 | $ 5,983,000 | $ 112,886 | $ 85,000 |
| Columbus, OH | 52 | $ 6,754,000 | $ 129,884 | $ 92,000 |
| Houston, TX | 52 | $ 14,197,000 | $ 273,019 | $ 141,000 |
| Iowa City, IA | 51 | $ 1,739,000 | $ 34,098 | $ 90,000 |
| Monmouth-Ocean, NJ | 51 | $ 2,257,000 | $ 44,254 | $ 93,000 |
| Pittsburgh, PA | 49 | $ 1,865,000 | $ 38,061 | $ 91,000 |
| Bergen-Passaic, NJ | 47 | $ 6,332,000 | $ 134,723 | $ 110,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 47 | $ 4,366,000 | $ 92,893 | $ 82,000 |
| Cleveland-Lorain-Elyria, OH | 47 | $ 3,372,000 | $ 71,744 | $ 113,000 |
| Modesto, CA | 47 | $ 1,938,000 | $ 41,234 | $ 82,000 |
| Sacramento, CA | 47 | $ 6,422,000 | $ 136,638 | $ 90,000 |
| Davenport-Moline-Rock Island, IA-IL | 44 | $ 1,177,000 | $ 26,750 | $ 54,000 |
| Jacksonville, FL | 42 | $ 1,585,000 | $ 37,738 | $ 82,000 |
| Birmingham, AL | 40 | $ 1,077,000 | $ 26,925 | $ 94,000 |
| Lansing-East Lansing, MI | 39 | $ 1,411,000 | $ 36,179 | $ 82,000 |
| Orlando, FL | 39 | $ 1,985,000 | $ 50,897 | $ 70,000 |
| San Francisco, CA | 38 | $ 16,295,000 | $ 428,815 | $ 116,000 |
| Cincinnati, OH-KY-IN | 37 | $ 6,743,000 | $ 182,243 | $ 110,000 |
| Greeley, CO | 36 | $ 1,433,000 | $ 39,805 | $ 79,000 |
| Washington, DC-MD-VA-WV | 34 | $ 15,816,000 | $ 465,176 | $ 112,000 |
| West Palm Beach-Boca Raton, FL | 34 | $ 3,222,000 | $ 94,764 | $ 83,000 |
| Waterloo-Cedar Falls, IA | 33 | $ 864,000 | $ 26,181 | $ 56,000 |
| Raleigh-Durham-Chapel Hill, NC | 32 | $ 3,719,000 | $ 116,218 | $ 71,000 |
| Boulder-Longmont, CO | 31 | $ 5,470,000 | $ 176,451 | $ 92,000 |
| Fort Lauderdale, FL | 30 | $ 2,011,000 | $ 67,033 | $ 65,000 |
| Indianapolis, IN | 28 | $ 1,790,000 | $ 63,928 | $ 68,000 |
| Wilmington-Newark, DE-MD | 28 | $ 920,000 | $ 32,857 | $ 83,000 |
| Bellingham, WA | 27 | $ 654,000 | $ 24,222 | $ 76,000 |
| New York, NY | 27 | $ 3,737,000 | $ 138,407 | $ 119,000 |
| Worcester, MA-CT | 27 | $ 1,159,000 | $ 42,925 | $ 85,000 |
| Lincoln, NE | 26 | $ 595,000 | $ 22,884 | $ 64,000 |
| Tulsa, OK | 25 | $ 600,000 | $ 24,000 | $ 66,000 |
| Richmond-Petersburg, VA | 24 | $ 1,652,000 | $ 68,833 | $ 85,000 |
| Sarasota-Bradenton, FL | 24 | $ 3,308,000 | $ 137,833 | $ 102,000 |
| Austin-San Marcos, TX | 23 | $ 6,810,000 | $ 296,086 | $ 152,000 |
| Colorado Springs, CO | 22 | $ 1,142,000 | $ 51,909 | $ 85,000 |
| Greensboro--Winston-Salem--High Point, NC | 22 | $ 1,973,000 | $ 89,681 | $ 68,000 |
| Provo-Orem, UT | 22 | $ 1,499,000 | $ 68,136 | $ 57,000 |
| Reno, NV | 22 | $ 4,145,000 | $ 188,409 | $ 97,000 |
| San Antonio, TX | 22 | $ 864,000 | $ 39,272 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 21 | $ 551,000 | $ 26,238 | $ 71,000 |
| Fort Myers-Cape Coral, FL | 21 | $ 1,153,000 | $ 54,904 | $ 82,000 |
| Nashville, TN | 21 | $ 3,487,000 | $ 166,047 | $ 76,000 |
| Fort Collins-Loveland, CO | 20 | $ 1,992,000 | $ 99,600 | $ 72,000 |
| Jersey City, NJ | 20 | $ 852,000 | $ 42,600 | $ 94,000 |
| Providence-Fall River-Warwick, RI-MA | 20 | $ 864,000 | $ 43,200 | $ 74,000 |
| Charleston-North Charleston, SC | 19 | $ 2,610,000 | $ 137,368 | $ 80,000 |
| Nashua, NH | 19 | $ 526,000 | $ 27,684 | $ 98,000 |
| Oklahoma City, OK | 19 | $ 961,000 | $ 50,578 | $ 87,000 |
| Santa Fe, NM | 19 | $ 1,280,000 | $ 67,368 | $ 60,000 |
| Tacoma, WA | 19 | $ 1,976,000 | $ 104,000 | $ 77,000 |
| Miami, FL | 18 | $ 2,806,000 | $ 155,888 | $ 157,000 |
| Sioux City, IA-NE | 18 | $ 469,000 | $ 26,055 | $ 59,000 |
| Ann Arbor, MI | 17 | $ 6,006,000 | $ 353,294 | $ 258,000 |
| Fresno, CA | 17 | $ 739,000 | $ 43,470 | $ 54,000 |
| Greenville-Spartanburg-Anderson, SC | 17 | $ 1,912,000 | $ 112,470 | $ 79,000 |
| New Orleans, LA | 17 | $ 1,056,000 | $ 62,117 | $ 74,000 |
| Syracuse, NY | 17 | $ 228,000 | $ 13,411 | $ 62,000 |
| Fort Worth-Arlington, TX | 16 | $ 3,435,000 | $ 214,687 | $ 128,000 |
| Grand Rapids-Muskegon-Holland, MI | 16 | $ 277,000 | $ 17,312 | $ 76,000 |
| Lakeland-Winter Haven, FL | 16 | $ 413,000 | $ 25,812 | $ 69,000 |
| Lowell, MA-NH | 16 | $ 958,000 | $ 59,875 | $ 89,000 |
| Springfield, MO | 16 | $ 349,000 | $ 21,812 | $ 81,000 |
| Stockton-Lodi, CA | 16 | $ 1,444,000 | $ 90,250 | $ 98,000 |
| New Haven-Meriden, CT | 15 | $ 376,000 | $ 25,066 | $ 88,000 |
| Tucson, AZ | 15 | $ 5,789,000 | $ 385,933 | $ 175,000 |
| Albuquerque, NM | 14 | $ 1,250,000 | $ 89,285 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA | 14 | $ 273,000 | $ 19,500 | $ 58,000 |
| Daytona Beach, FL | 14 | $ 281,000 | $ 20,071 | $ 82,000 |
| Fayetteville-Springdale-Rogers, AR | 14 | $ 509,000 | $ 36,357 | $ 97,000 |
| Jackson, MS | 14 | $ 333,000 | $ 23,785 | $ 70,000 |
| Lancaster, PA | 14 | $ 669,000 | $ 47,785 | $ 63,000 |
| Memphis, TN-AR-MS | 14 | $ 1,678,000 | $ 119,857 | $ 131,000 |
| Little Rock-North Little Rock, AR | 13 | $ 340,000 | $ 26,153 | $ 109,000 |
| Louisville, KY-IN | 13 | $ 1,315,000 | $ 101,153 | $ 107,000 |
| Baton Rouge, LA | 12 | $ 265,000 | $ 22,083 | $ 90,000 |
| Manchester, NH | 12 | $ 637,000 | $ 53,083 | $ 64,000 |
| Reading, PA | 12 | $ 198,000 | $ 16,500 | $ 97,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 5,237,000 | $ 436,416 | $ 97,000 |
| Santa Rosa, CA | 12 | $ 3,461,000 | $ 288,416 | $ 118,000 |
| York, PA | 12 | $ 238,000 | $ 19,833 | $ 57,000 |
| Atlantic-Cape May, NJ | 11 | $ 1,201,000 | $ 109,181 | $ 84,000 |
| Boise City, ID | 11 | $ 563,000 | $ 51,181 | $ 57,000 |
| Bridgeport, CT | 11 | $ 2,237,000 | $ 203,363 | $ 123,000 |
| Lawrence, MA-NH | 11 | $ 2,925,000 | $ 265,909 | $ 125,000 |
| Melbourne-Titusville-Palm Bay, FL | 11 | $ 177,000 | $ 16,090 | $ 69,000 |
| Portsmouth-Rochester, NH-ME | 11 | $ 805,000 | $ 73,181 | $ 86,000 |
| Richland-Kennewick-Pasco, WA | 11 | $ 511,000 | $ 46,454 | $ 76,000 |
| Rochester, MN | 11 | $ 316,000 | $ 28,727 | $ 73,000 |
| Columbia, SC | 10 | $ 164,000 | $ 16,400 | $ 44,000 |
| Knoxville, TN | 10 | $ 1,059,000 | $ 105,900 | $ 76,000 |
| Spokane, WA | 10 | $ 162,000 | $ 16,200 | $ 60,000 |
| Springfield, MA | 10 | $ 223,000 | $ 22,300 | $ 69,000 |
| Stamford-Norwalk, CT | 10 | $ 3,591,000 | $ 359,100 | $ 140,000 |
| Ventura, CA | 10 | $ 3,296,000 | $ 329,600 | $ 113,000 |
| Wichita, KS | 10 | $ 555,000 | $ 55,500 | $ 103,000 |
| Cheyenne, WY | 9 | $ 203,000 | $ 22,555 | $ 75,000 |
| Fort Walton Beach, FL | 9 | $ 1,150,000 | $ 127,777 | $ 49,000 |
| Gary, IN | 9 | $ 125,000 | $ 13,888 | $ 52,000 |
| Huntsville, AL | 9 | $ 209,000 | $ 23,222 | $ 69,000 |
| Nassau-Suffolk, NY | 9 | $ 1,212,000 | $ 134,666 | $ 85,000 |
| Portland, ME | 9 | $ 183,000 | $ 20,333 | $ 69,000 |
| Roanoke, VA | 9 | $ 1,052,000 | $ 116,888 | $ 111,000 |
| Savannah, GA | 9 | $ 617,000 | $ 68,555 | $ 53,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 9 | $ 190,000 | $ 21,111 | $ 66,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 289,000 | $ 36,125 | $ 70,000 |
| Lexington, KY | 8 | $ 261,000 | $ 32,625 | $ 92,000 |
| Medford-Ashland, OR | 8 | $ 797,000 | $ 99,625 | $ 114,000 |
| Trenton, NJ | 8 | $ 298,000 | $ 37,250 | $ 99,000 |
| Akron, OH | 7 | $ 156,000 | $ 22,285 | $ 82,000 |
| Anchorage, AK | 7 | $ 99,000 | $ 14,142 | $ 81,000 |
| Bakersfield, CA | 7 | $ 147,000 | $ 21,000 | $ 73,000 |
| Hattiesburg, MS | 7 | $ 184,000 | $ 26,285 | $ 88,000 |
| Jacksonville, NC | 7 | $ 135,000 | $ 19,285 | $ 44,000 |
| Montgomery, AL | 7 | $ 106,000 | $ 15,142 | $ 61,000 |
| New London-Norwich, CT-RI | 7 | $ 142,000 | $ 20,285 | $ 73,000 |
| Olympia, WA | 7 | $ 121,000 | $ 17,285 | $ 71,000 |
| Utica-Rome, NY | 7 | $ 90,000 | $ 12,857 | $ 57,000 |
| Vallejo-Fairfield-Napa, CA | 7 | $ 1,308,000 | $ 186,857 | $ 68,000 |
| Wilmington, NC | 7 | $ 524,000 | $ 74,857 | $ 117,000 |
| Appleton-Oshkosh-Neenah, WI | 6 | $ 115,000 | $ 19,166 | $ 70,000 |
| Asheville, NC | 6 | $ 988,000 | $ 164,666 | $ 58,000 |
| Billings, MT | 6 | $ 119,000 | $ 19,833 | $ 73,000 |
| Brockton, MA | 6 | $ 160,000 | $ 26,666 | $ 67,000 |
| Hickory-Morganton-Lenoir, NC | 6 | $ 176,000 | $ 29,333 | $ 85,000 |
| Kenosha, WI | 6 | $ 87,000 | $ 14,500 | $ 66,000 |
| St. Cloud, MN | 6 | $ 260,000 | $ 43,333 | $ 65,000 |
| Tallahassee, FL | 6 | $ 214,000 | $ 35,666 | $ 73,000 |
| Toledo, OH | 6 | $ 534,000 | $ 89,000 | $ 122,000 |
| Augusta-Aiken, GA-SC | 5 | $ 108,000 | $ 21,600 | $ 53,000 |
| Bloomington-Normal, IL | 5 | $ 108,000 | $ 21,600 | $ 65,000 |
| Burlington, VT | 5 | $ 132,000 | $ 26,400 | $ 79,000 |
| Columbia, MO | 5 | $ 660,000 | $ 132,000 | $ 145,000 |
| Fort Pierce-Port St. Lucie, FL | 5 | $ 163,000 | $ 32,600 | $ 57,000 |
| Greenville, NC | 5 | $ 58,000 | $ 11,600 | $ 54,000 |
| Hamilton-Middletown, OH | 5 | $ 93,000 | $ 18,600 | $ 69,000 |
| Merced, CA | 5 | $ 245,000 | $ 49,000 | $ 97,000 |
| Pensacola, FL | 5 | $ 171,000 | $ 34,200 | $ 70,000 |
| Pueblo, CO | 5 | $ 64,000 | $ 12,800 | $ 61,000 |
| Rockford, IL | 5 | $ 42,000 | $ 8,400 | $ 51,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 5 | $ 1,929,000 | $ 385,800 | $ 276,000 |
| St. Joseph, MO | 5 | $ 80,000 | $ 16,000 | $ 69,000 |
| Tuscaloosa, AL | 5 | $ 387,000 | $ 77,400 | $ 67,000 |
| Benton Harbor, MI | 4 | $ 1,157,000 | $ 289,250 | $ 150,000 |
| Bremerton, WA | 4 | $ 1,088,000 | $ 272,000 | $ 107,000 |
| Champaign-Urbana, IL | 4 | $ 71,000 | $ 17,750 | $ 73,000 |
| Columbus, GA-AL | 4 | $ 85,000 | $ 21,250 | $ 76,000 |
| Corvallis, OR | 4 | $ 721,000 | $ 180,250 | $ 19,000 |
| Decatur, AL | 4 | $ 84,000 | $ 21,000 | $ 54,000 |
| Decatur, IL | 4 | $ 58,000 | $ 14,500 | $ 54,000 |
| Dover, DE | 4 | $ 70,000 | $ 17,500 | $ 41,000 |
| Dubuque, IA | 4 | $ 141,000 | $ 35,250 | $ 77,000 |
| Erie, PA | 4 | $ 30,000 | $ 7,500 | $ 60,000 |
| Fargo-Moorhead, ND-MN | 4 | $ 97,000 | $ 24,250 | $ 78,000 |
| Flagstaff, AZ-UT | 4 | $ 1,173,000 | $ 293,250 | $ 156,000 |
| Flint, MI | 4 | $ 525,000 | $ 131,250 | $ 31,000 |
| Fort Smith, AR-OK | 4 | $ 43,000 | $ 10,750 | $ 27,000 |
| Fort Wayne, IN | 4 | $ 65,000 | $ 16,250 | $ 79,000 |
| Gainesville, FL | 4 | $ 74,000 | $ 18,500 | $ 81,000 |
| Grand Forks, ND-MN | 4 | $ 195,000 | $ 48,750 | $ 73,000 |
| Harrisburg-Lebanon-Carlisle, PA | 4 | $ 86,000 | $ 21,500 | $ 70,000 |
| Honolulu, HI | 4 | $ 1,336,000 | $ 334,000 | $ 64,000 |
| Kalamazoo-Battle Creek, MI | 4 | $ 139,000 | $ 34,750 | $ 80,000 |
| Missoula, MT | 4 | $ 64,000 | $ 16,000 | $ 102,000 |
| Naples, FL | 4 | $ 1,629,000 | $ 407,250 | $ 562,000 |
| New Bedford, MA | 4 | $ 110,000 | $ 27,500 | $ 73,000 |
| Pine Bluff, AR | 4 | $ 42,000 | $ 10,500 | $ 56,000 |
| Pocatello, ID | 4 | $ 54,000 | $ 13,500 | $ 42,000 |
| Punta Gorda, FL | 4 | $ 45,000 | $ 11,250 | $ 44,000 |
| Racine, WI | 4 | $ 157,000 | $ 39,250 | $ 75,000 |
| Springfield, IL | 4 | $ 63,000 | $ 15,750 | $ 59,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 55,000 | $ 13,750 | $ 55,000 |
| Visalia-Tulare-Porterville, CA | 4 | $ 126,000 | $ 31,500 | $ 65,000 |
| Athens, GA | 3 | $ 80,000 | $ 26,666 | $ 61,000 |
| Biloxi-Gulfport-Pascagoula, MS | 3 | $ 50,000 | $ 16,666 | $ 129,000 |
| Chattanooga, TN-GA | 3 | $ 374,000 | $ 124,666 | $ 81,000 |
| Dayton-Springfield, OH | 3 | $ 50,000 | $ 16,666 | $ 59,000 |
| Fayetteville, NC | 3 | $ 71,000 | $ 23,666 | $ 59,000 |
| Fitchburg-Leominster, MA | 3 | $ 108,000 | $ 36,000 | $ 65,000 |
| Grand Junction, CO | 3 | $ 1,125,000 | $ 375,000 | $ 118,000 |
| Madison, WI | 3 | $ 81,000 | $ 27,000 | $ 103,000 |
| Mobile, AL | 3 | $ 363,000 | $ 121,000 | $ 100,000 |
| Peoria-Pekin, IL | 3 | $ 332,000 | $ 110,666 | $ 76,000 |
| Rapid City, SD | 3 | $ 805,000 | $ 268,333 | $ 83,000 |
| Rochester, NY | 3 | $ 31,000 | $ 10,333 | $ 132,000 |
| Salinas, CA | 3 | $ 788,000 | $ 262,666 | $ 64,000 |
| Barnstable-Yarmouth, MA | 2 | $ 422,000 | $ 211,000 | $ 30,000 |
| Binghamton, NY | 2 | $ 30,000 | $ 15,000 | $ 32,000 |
| Brazoria, TX | 2 | $ 51,000 | $ 25,500 | $ 61,000 |
| Danbury, CT | 2 | $ 488,000 | $ 244,000 | $ 97,000 |
| Danville, VA | 2 | $ 61,000 | $ 30,500 | $ 78,000 |
| Dothan, AL | 2 | $ 25,000 | $ 12,500 | $ 97,000 |
| Dutchess County, NY | 2 | $ 529,000 | $ 264,500 | $ 150,000 |
| Eau Claire, WI | 2 | $ 50,000 | $ 25,000 | $ 45,000 |
| Eugene-Springfield, OR | 2 | $ 115,000 | $ 57,500 | $ 161,000 |
| Galveston-Texas City, TX | 2 | $ 1,018,000 | $ 509,000 | $ 237,000 |
| Goldsboro, NC | 2 | $ 38,000 | $ 19,000 | $ 57,000 |
| Janesville-Beloit, WI | 2 | $ 32,000 | $ 16,000 | $ 47,000 |
| Joplin, MO | 2 | $ 33,000 | $ 16,500 | $ 57,000 |
| Kokomo, IN | 2 | $ 21,000 | $ 10,500 | $ 52,000 |
| Lynchburg, VA | 2 | $ 31,000 | $ 15,500 | $ 78,000 |
| Newburgh, NY-PA | 2 | $ 47,000 | $ 23,500 | $ 133,000 |
| Rocky Mount, NC | 2 | $ 25,000 | $ 12,500 | $ 72,000 |
| Salem, OR | 2 | $ 110,000 | $ 55,000 | $ 78,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 2 | $ 399,000 | $ 199,500 | $ 67,000 |
| Yolo, CA | 2 | $ 114,000 | $ 57,000 | $ 118,000 |
| Yuba City, CA | 2 | $ 35,000 | $ 17,500 | $ 58,000 |
| Altoona, PA | 1 | $ 8,000 | $ 8,000 | $ 102,000 |
| Auburn-Opelika, AL | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Bismarck, ND | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Bryan-College Station, TX | 1 | $ 32,000 | $ 32,000 | $ 71,000 |
| Canton-Massillon, OH | 1 | $ 13,000 | $ 13,000 | $ 46,000 |
| Casper, WY | 1 | $ 40,000 | $ 40,000 | $ 63,000 |
| Charleston, WV | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Charlottesville, VA | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Clarksville-Hopkinsville, TN-KY | 1 | $ 14,000 | $ 14,000 | $ 26,000 |
| Cumberland, MD-WV | 1 | $ 23,000 | $ 23,000 | $ 62,000 |
| Duluth-Superior, MN-WI | 1 | $ 549,000 | $ 549,000 | $ 240,000 |
| Elkhart-Goshen, IN | 1 | $ 10,000 | $ 10,000 | $ 107,000 |
| Elmira, NY | 1 | $ 8,000 | $ 8,000 | $ 42,000 |
| Enid, OK | 1 | $ 12,000 | $ 12,000 | $ 72,000 |
| Florence, SC | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Green Bay, WI | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Houma, LA | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Jackson, MI | 1 | $ 17,000 | $ 17,000 | $ 65,000 |
| Jamestown, NY | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Kankakee, IL | 1 | $ 33,000 | $ 33,000 | $ 72,000 |
| La Crosse, WI-MN | 1 | $ 12,000 | $ 12,000 | $ 64,000 |
| Lake Charles, LA | 1 | $ 33,000 | $ 33,000 | $ 100,000 |
| Laredo, TX | 1 | $ 30,000 | $ 30,000 | $ 144,000 |
| Las Cruces, NM | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Lawrence, KS | 1 | $ 40,000 | $ 40,000 | $ 78,000 |
| Myrtle Beach, SC | 1 | $ 9,000 | $ 9,000 | $ 42,000 |
| Odessa-Midland, TX | 1 | $ 25,000 | $ 25,000 | $ 176,000 |
| Panama City, FL | 1 | $ 6,000 | $ 6,000 | $ 52,000 |
| Pittsfield, MA | 1 | $ 30,000 | $ 30,000 | $ 51,000 |
| Redding, CA | 1 | $ 15,000 | $ 15,000 | $ 150,000 |
| Sharon, PA | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Sheboygan, WI | 1 | $ 8,000 | $ 8,000 | $ 65,000 |
| Sioux Falls, SD | 1 | $ 36,000 | $ 36,000 | $ 100,000 |
| South Bend, IN | 1 | $ 5,000 | $ 5,000 | $ 14,000 |
| Sumter, SC | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Topeka, KS | 1 | $ 29,000 | $ 29,000 | $ 129,000 |
| Tyler, TX | 1 | $ 38,000 | $ 38,000 | $ 160,000 |
| Waterbury, CT | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Wausau, WI | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Williamsport, PA | 1 | $ 10,000 | $ 10,000 | $ 88,000 |
| Youngstown-Warren, OH | 1 | $ 8,000 | $ 8,000 | $ 72,000 |
| Yuma, AZ | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Principal Bank in 2003
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 (one-to-four family) | 4,226 | $92,741,000 | $20,500 | $450,000 | $69,400 | $920,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 2,443 | $682,156,000 | $203,500 | $1,000,000 | $113,760 | $2,500,000 |
| Home Purchase (one-to-four family) | 1,400 | $228,602,000 | $129,959 | $999,000 | $107,632 | $3,252,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 4,423 | $607,850,000 | $118,137 | $1,000,000 | $94,980 | $3,252,000 |
| Information not provided by applicant in mail or telephone application | 2,070 | $151,681,000 | $62,333 | $1,000,000 | $82,235 | $1,092,000 |
| Not applicable | 720 | $114,379,000 | $150,348 | $699,000 | $66,116 | $480,000 |
| Asian or Pacific Islander | 270 | $80,664,000 | $154,241 | $997,000 | $124,275 | $1,882,000 |
| Black | 237 | $11,188,000 | $40,606 | $643,000 | $68,151 | $397,000 |
| Hispanic | 237 | $21,018,000 | $55,800 | $828,000 | $72,514 | $976,000 |
| Other | 87 | $14,579,000 | $128,769 | $998,000 | $95,923 | $810,000 |
| American Indian or Alaskan Native | 25 | $2,140,000 | $59,625 | $549,000 | $80,000 | $198,000 |
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) | 8,069 | $1,003,499,000 | $99,450 | $1,000,000 | $85,823 | $3,252,000 |
| 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 | 3,351 | $890,611,000 | $192,489 | $1,000,000 | $121,224 | $3,252,000 |
| Application Denied By Financial Institution | 2,244 | $47,626,000 | $20,755 | $350,000 | $62,163 | $840,000 |
| Loan Originated | 1,501 | $35,481,000 | $21,204 | $150,000 | $76,775 | $910,000 |
| Application Approved But Not Accepted | 970 | $29,701,000 | $32,740 | $450,000 | $85,300 | $920,000 |
| Application Withdrawn By Applicant | 3 | $80,000 | $26,666 | $35,000 | $80,333 | $141,000 |
| File Closed For Incompleteness | 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 | 1,299 | $29,258,000 | $21,816 | $350,000 | $55,448 | $400,000 |
| Credit History | 841 | $16,178,000 | $19,270 | $150,000 | $69,145 | $840,000 |
| Collateral | 81 | $1,668,000 | $21,258 | $200,000 | $85,806 | $572,000 |
| Employment History | 21 | $395,000 | $20,200 | $50,000 | $74,400 | $275,000 |
| Other | 2 | $127,000 | $63,500 | $100,000 | $39,000 | $77,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Principal Bank's 2003 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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
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