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Act (HMDA) records Principal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 389 | $ 27,687,000 | $ 71,174 | $ 86,000 |
| Des Moines, IA | 132 | $ 4,374,000 | $ 33,136 | $ 84,000 |
| Chicago-Naperville-Joliet, IL | 80 | $ 21,476,000 | $ 268,450 | $ 97,000 |
| Atlanta-Sandy Springs-Marietta, GA | 73 | $ 6,483,000 | $ 88,808 | $ 101,000 |
| Phoenix-Mesa-Scottsdale, AZ | 51 | $ 8,247,000 | $ 161,705 | $ 74,000 |
| Baltimore-Towson, MD | 41 | $ 8,039,000 | $ 196,073 | $ 71,000 |
| Bethesda-Frederick-Gaithersburg, MD | 40 | $ 13,738,000 | $ 343,450 | $ 124,000 |
| Seattle-Bellevue-Everett, WA | 34 | $ 9,129,000 | $ 268,500 | $ 99,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 33 | $ 6,343,000 | $ 192,212 | $ 51,000 |
| Denver-Aurora, CO | 30 | $ 8,005,000 | $ 266,833 | $ 126,000 |
| Reno-Sparks, NV | 28 | $ 9,071,000 | $ 323,964 | $ 110,000 |
| Oakland-Fremont-Hayward, CA | 27 | $ 7,579,000 | $ 280,703 | $ 162,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 27 | $ 12,347,000 | $ 457,296 | $ 131,000 |
| Edison, NJ | 26 | $ 6,745,000 | $ 259,423 | $ 118,000 |
| Philadelphia, PA | 26 | $ 6,042,000 | $ 232,384 | $ 114,000 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 6,028,000 | $ 241,120 | $ 136,000 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 7,580,000 | $ 329,565 | $ 104,000 |
| Las Vegas-Paradise, NV | 22 | $ 4,555,000 | $ 207,045 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 22 | $ 6,079,000 | $ 276,318 | $ 81,000 |
| Orlando, FL | 20 | $ 3,461,000 | $ 173,050 | $ 60,000 |
| San Diego-Carlsbad-San Marcos, CA | 20 | $ 6,463,000 | $ 323,150 | $ 125,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 4,779,000 | $ 251,526 | $ 88,000 |
| Warren-Farmington Hills-Troy, MI | 19 | $ 3,893,000 | $ 204,894 | $ 54,000 |
| Portland-Vancouver-Beaverton, OR-WA | 17 | $ 3,673,000 | $ 216,058 | $ 123,000 |
| New York-Wayne-White Plains, NY-NJ | 16 | $ 2,728,000 | $ 170,500 | $ 111,000 |
| Richmond, VA | 16 | $ 3,398,000 | $ 212,375 | $ 101,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 16 | $ 4,780,000 | $ 298,750 | $ 78,000 |
| Nassau-Suffolk, NY | 15 | $ 4,855,000 | $ 323,666 | $ 143,000 |
| Newark-Union, NJ-PA | 15 | $ 3,554,000 | $ 236,933 | $ 142,000 |
| Cambridge-Newton-Framingham, MA | 14 | $ 4,271,000 | $ 305,071 | $ 93,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 5,121,000 | $ 393,923 | $ 94,000 |
| Camden, NJ | 12 | $ 446,000 | $ 37,166 | $ 85,000 |
| Kansas City, MO-KS | 12 | $ 1,409,000 | $ 117,416 | $ 92,000 |
| Salt Lake City, UT | 12 | $ 2,133,000 | $ 177,750 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 12 | $ 4,461,000 | $ 371,750 | $ 110,000 |
| Santa Ana-Anaheim-Irvine, CA | 12 | $ 4,985,000 | $ 415,416 | $ 121,000 |
| Sarasota-Bradenton-Venice, FL | 12 | $ 4,598,000 | $ 383,166 | $ 136,000 |
| St. Louis, MO-IL | 12 | $ 2,775,000 | $ 231,250 | $ 109,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 2,440,000 | $ 203,333 | $ 82,000 |
| Boston-Quincy, MA | 10 | $ 2,990,000 | $ 299,000 | $ 110,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 3,177,000 | $ 317,700 | $ 107,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 2,206,000 | $ 220,600 | $ 135,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 1,989,000 | $ 221,000 | $ 135,000 |
| Tacoma, WA | 9 | $ 2,414,000 | $ 268,222 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,630,000 | $ 328,750 | $ 59,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 789,000 | $ 98,625 | $ 119,000 |
| Honolulu, HI | 8 | $ 2,730,000 | $ 341,250 | $ 92,000 |
| Columbus, OH | 7 | $ 1,678,000 | $ 239,714 | $ 79,000 |
| Detroit-Livonia-Dearborn, MI | 7 | $ 1,972,000 | $ 281,714 | $ 144,000 |
| Jacksonville, FL | 7 | $ 1,175,000 | $ 167,857 | $ 54,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,238,000 | $ 176,857 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,916,000 | $ 319,333 | $ 111,000 |
| Colorado Springs, CO | 6 | $ 237,000 | $ 39,500 | $ 41,000 |
| Fresno, CA | 6 | $ 1,516,000 | $ 252,666 | $ 232,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 250,000 | $ 41,666 | $ 172,000 |
| Naples-Marco Island, FL | 6 | $ 2,514,000 | $ 419,000 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 149,000 | $ 24,833 | $ 88,000 |
| Raleigh-Cary, NC | 6 | $ 1,987,000 | $ 331,166 | $ 138,000 |
| Trenton-Ewing, NJ | 6 | $ 925,000 | $ 154,166 | $ 114,000 |
| Albuquerque, NM | 5 | $ 426,000 | $ 85,200 | $ 76,000 |
| Appleton, WI | 5 | $ 136,000 | $ 27,200 | $ 76,000 |
| Bend, OR | 5 | $ 1,430,000 | $ 286,000 | $ 100,000 |
| Boise City-Nampa, ID | 5 | $ 1,493,000 | $ 298,600 | $ 64,000 |
| Cedar Rapids, IA | 5 | $ 1,102,000 | $ 220,400 | $ 72,000 |
| Charlotte-Gastonia-Concord, NC-SC | 5 | $ 1,752,000 | $ 350,400 | $ 58,000 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 244,000 | $ 48,800 | $ 64,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 1,933,000 | $ 386,600 | $ 161,000 |
| Indianapolis, IN | 5 | $ 433,000 | $ 86,600 | $ 46,000 |
| Ocean City, NJ | 5 | $ 2,790,000 | $ 558,000 | $ 161,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,351,000 | $ 270,200 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,056,000 | $ 211,200 | $ 88,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 5 | $ 1,060,000 | $ 212,000 | $ 143,000 |
| Providence-New Bedford-Fall River, RI-MA | 5 | $ 847,000 | $ 169,400 | $ 92,000 |
| Rochester, MN | 5 | $ 774,000 | $ 154,800 | $ 117,000 |
| Tucson, AZ | 5 | $ 633,000 | $ 126,600 | $ 112,000 |
| Wichita, KS | 5 | $ 844,000 | $ 168,800 | $ 74,000 |
| Ames, IA | 4 | $ 81,000 | $ 20,250 | $ 78,000 |
| Birmingham-Hoover, AL | 4 | $ 568,000 | $ 142,000 | $ 64,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 337,000 | $ 84,250 | $ 120,000 |
| Charleston-North Charleston, SC | 4 | $ 466,000 | $ 116,500 | $ 46,000 |
| Dallas-Plano-Irving, TX | 4 | $ 746,000 | $ 186,500 | $ 54,000 |
| Dayton, OH | 4 | $ 251,000 | $ 62,750 | $ 78,000 |
| Duluth, MN-WI | 4 | $ 229,000 | $ 57,250 | $ 50,000 |
| Greensboro-High Point, NC | 4 | $ 296,000 | $ 74,000 | $ 90,000 |
| Little Rock-North Little Rock, AR | 4 | $ 541,000 | $ 135,250 | $ 131,000 |
| Olympia, WA | 4 | $ 719,000 | $ 179,750 | $ 106,000 |
| Peoria, IL | 4 | $ 88,000 | $ 22,000 | $ 84,000 |
| Rockingham County-Strafford County, NH | 4 | $ 416,000 | $ 104,000 | $ 89,000 |
| Stockton, CA | 4 | $ 1,001,000 | $ 250,250 | $ 120,000 |
| Vero Beach, FL | 4 | $ 1,299,000 | $ 324,750 | $ 46,000 |
| Akron, OH | 3 | $ 528,000 | $ 176,000 | $ 109,000 |
| Altoona, PA | 3 | $ 140,000 | $ 46,666 | $ 114,000 |
| Anchorage, AK | 3 | $ 658,000 | $ 219,333 | $ 84,000 |
| Ann Arbor, MI | 3 | $ 979,000 | $ 326,333 | $ 105,000 |
| Austin-Round Rock, TX | 3 | $ 1,630,000 | $ 543,333 | $ 332,000 |
| Boulder, CO | 3 | $ 935,000 | $ 311,666 | $ 136,000 |
| Bremerton-Silverdale, WA | 3 | $ 629,000 | $ 209,666 | $ 46,000 |
| Charleston, WV | 3 | $ 117,000 | $ 39,000 | $ 111,000 |
| Charlottesville, VA | 3 | $ 207,000 | $ 69,000 | $ 83,000 |
| Columbia, SC | 3 | $ 30,000 | $ 10,000 | $ 59,000 |
| Essex County, MA | 3 | $ 1,008,000 | $ 336,000 | $ 112,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 974,000 | $ 324,666 | $ 79,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 674,000 | $ 224,666 | $ 48,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 88,000 | $ 29,333 | $ 68,000 |
| Madison, WI | 3 | $ 713,000 | $ 237,666 | $ 103,000 |
| Memphis, TN-MS-AR | 3 | $ 210,000 | $ 70,000 | $ 73,000 |
| Modesto, CA | 3 | $ 601,000 | $ 200,333 | $ 72,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 67,000 | $ 22,333 | $ 67,000 |
| Oklahoma City, OK | 3 | $ 157,000 | $ 52,333 | $ 60,000 |
| Punta Gorda, FL | 3 | $ 568,000 | $ 189,333 | $ 15,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 1,440,000 | $ 480,000 | $ 164,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 825,000 | $ 275,000 | $ 287,000 |
| Santa Fe, NM | 3 | $ 412,000 | $ 137,333 | $ 71,000 |
| Springfield, MA | 3 | $ 418,000 | $ 139,333 | $ 75,000 |
| Springfield, MO | 3 | $ 165,000 | $ 55,000 | $ 81,000 |
| St. Cloud, MN | 3 | $ 132,000 | $ 44,000 | $ 51,000 |
| Syracuse, NY | 3 | $ 75,000 | $ 25,000 | $ 73,000 |
| Tallahassee, FL | 3 | $ 292,000 | $ 97,333 | $ 56,000 |
| Tulsa, OK | 3 | $ 125,000 | $ 41,666 | $ 103,000 |
| Wilmington, DE-MD-NJ | 3 | $ 127,000 | $ 42,333 | $ 135,000 |
| Worcester, MA | 3 | $ 857,000 | $ 285,666 | $ 112,000 |
| York-Hanover, PA | 3 | $ 309,000 | $ 103,000 | $ 83,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 66,000 | $ 33,000 | $ 74,000 |
| Bakersfield, CA | 2 | $ 509,000 | $ 254,500 | $ 33,000 |
| Barnstable Town, MA | 2 | $ 1,416,000 | $ 708,000 | $ 126,000 |
| Baton Rouge, LA | 2 | $ 37,000 | $ 18,500 | $ 55,000 |
| Canton-Massillon, OH | 2 | $ 290,000 | $ 145,000 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 542,000 | $ 271,000 | $ 127,000 |
| Durham, NC | 2 | $ 99,000 | $ 49,500 | $ 111,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 80,000 | $ 40,000 | $ 131,000 |
| Fort Collins-Loveland, CO | 2 | $ 614,000 | $ 307,000 | $ 80,000 |
| Fort Wayne, IN | 2 | $ 61,000 | $ 30,500 | $ 62,000 |
| Fort Worth-Arlington, TX | 2 | $ 547,000 | $ 273,500 | $ 142,000 |
| Greeley, CO | 2 | $ 426,000 | $ 213,000 | $ 100,000 |
| Huntsville, AL | 2 | $ 45,000 | $ 22,500 | $ 56,000 |
| Iowa City, IA | 2 | $ 98,000 | $ 49,000 | $ 118,000 |
| Jacksonville, NC | 2 | $ 473,000 | $ 236,500 | $ 101,000 |
| La Crosse, WI-MN | 2 | $ 68,000 | $ 34,000 | $ 48,000 |
| Lakeland, FL | 2 | $ 189,000 | $ 94,500 | $ 66,000 |
| Lincoln, NE | 2 | $ 79,000 | $ 39,500 | $ 74,000 |
| Louisville, KY-IN | 2 | $ 514,000 | $ 257,000 | $ 123,000 |
| Merced, CA | 2 | $ 468,000 | $ 234,000 | $ 75,000 |
| Michigan City-La Porte, IN | 2 | $ 53,000 | $ 26,500 | $ 57,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 90,000 | $ 45,000 | $ 62,000 |
| New Haven-Milford, CT | 2 | $ 69,000 | $ 34,500 | $ 99,000 |
| Niles-Benton Harbor, MI | 2 | $ 80,000 | $ 40,000 | $ 91,000 |
| Norwich-New London, CT | 2 | $ 503,000 | $ 251,500 | $ 254,000 |
| Pittsburgh, PA | 2 | $ 35,000 | $ 17,500 | $ 47,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 688,000 | $ 344,000 | $ 119,000 |
| Provo-Orem, UT | 2 | $ 223,000 | $ 111,500 | $ 67,000 |
| Reading, PA | 2 | $ 110,000 | $ 55,000 | $ 83,000 |
| Shreveport-Bossier City, LA | 2 | $ 501,000 | $ 250,500 | $ 133,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 479,000 | $ 239,500 | $ 86,000 |
| St. George, UT | 2 | $ 392,000 | $ 196,000 | $ 72,000 |
| Vallejo-Fairfield, CA | 2 | $ 620,000 | $ 310,000 | $ 59,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 29,000 | $ 14,500 | $ 57,000 |
| Wilmington, NC | 2 | $ 598,000 | $ 299,000 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 85,000 | $ 85,000 | $ 104,000 |
| Anderson, SC | 1 | $ 34,000 | $ 34,000 | $ 64,000 |
| Atlantic City, NJ | 1 | $ 60,000 | $ 60,000 | $ 89,000 |
| Bellingham, WA | 1 | $ 25,000 | $ 25,000 | $ 155,000 |
| Binghamton, NY | 1 | $ 60,000 | $ 60,000 | $ 109,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 30,000 | $ 30,000 | $ 97,000 |
| Bloomington-Normal, IL | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Casper, WY | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Champaign-Urbana, IL | 1 | $ 400,000 | $ 400,000 | $ 160,000 |
| Chico, CA | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Clarksville, TN-KY | 1 | $ 39,000 | $ 39,000 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 10,000 | $ 10,000 | $ 18,000 |
| Coeur D'Alene, ID | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Columbia, MO | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Corvallis, OR | 1 | $ 459,000 | $ 459,000 | $ 273,000 |
| Danville, IL | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Elkhart-Goshen, IN | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Farmington, NM | 1 | $ 50,000 | $ 50,000 | $ 196,000 |
| Flagstaff, AZ | 1 | $ 298,000 | $ 298,000 | $ 398,000 |
| Florence-Muscle Shoals, AL | 1 | $ 250,000 | $ 250,000 | $ 190,000 |
| Gainesville, FL | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| Gainesville, GA | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Glens Falls, NY | 1 | $ 22,000 | $ 22,000 | $ 60,000 |
| Grand Forks, ND-MN | 1 | $ 28,000 | $ 28,000 | $ 114,000 |
| Hanford-Corcoran, CA | 1 | $ 22,000 | $ 22,000 | $ 66,000 |
| Harrisburg-Carlisle, PA | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Jackson, MS | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Knoxville, TN | 1 | $ 40,000 | $ 40,000 | $ 73,000 |
| Lancaster, PA | 1 | $ 60,000 | $ 60,000 | $ 107,000 |
| Lansing-East Lansing, MI | 1 | $ 173,000 | $ 173,000 | $ 53,000 |
| Las Cruces, NM | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| Lawrence, KS | 1 | $ 42,000 | $ 42,000 | $ 99,000 |
| Lewiston-Auburn, ME | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Lexington-Fayette, KY | 1 | $ 43,000 | $ 43,000 | $ 115,000 |
| Macon, GA | 1 | $ 40,000 | $ 40,000 | $ 97,000 |
| Madera, CA | 1 | $ 40,000 | $ 40,000 | $ 432,000 |
| Manchester-Nashua, NH | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| Medford, OR | 1 | $ 140,000 | $ 140,000 | $ 20,000 |
| Missoula, MT | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Morgantown, WV | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Napa, CA | 1 | $ 507,000 | $ 507,000 | $ 147,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 287,000 | $ 287,000 | $ 117,000 |
| Pocatello, ID | 1 | $ 16,000 | $ 16,000 | $ 42,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Pueblo, CO | 1 | $ 16,000 | $ 16,000 | $ 140,000 |
| Rochester, NY | 1 | $ 30,000 | $ 30,000 | $ 84,000 |
| Rockford, IL | 1 | $ 76,000 | $ 76,000 | $ 104,000 |
| Salinas, CA | 1 | $ 371,000 | $ 371,000 | $ 200,000 |
| Salisbury, MD | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| San Angelo, TX | 1 | $ 519,000 | $ 519,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 357,000 | $ 357,000 | $ 137,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 628,000 | $ 628,000 | $ 166,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 26,000 | $ 26,000 | $ 61,000 |
| Sheboygan, WI | 1 | $ 30,000 | $ 30,000 | $ 59,000 |
| Sioux City, IA-NE-SD | 1 | $ 28,000 | $ 28,000 | $ 30,000 |
| Sioux Falls, SD | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Spartanburg, SC | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Spokane, WA | 1 | $ 29,000 | $ 29,000 | $ 30,000 |
| State College, PA | 1 | $ 13,000 | $ 13,000 | $ 32,000 |
| Sumter, SC | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Toledo, OH | 1 | $ 35,000 | $ 35,000 | $ 175,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Visalia-Porterville, CA | 1 | $ 50,000 | $ 50,000 | $ 146,000 |
| Winston-Salem, NC | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Yuba City, CA | 1 | $ 27,000 | $ 27,000 | $ 109,000 |
| Yuma, AZ | 1 | $ 228,000 | $ 228,000 | $ 200,000 |
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.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.
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