Principal Bank Mortgage Lending & HMDA Data, 2007
In 2007, Principal Bank of Des Moines, IA reported 3,896 mortgage applications totaling $222.9 million, up 70% from 2006. The average application was for $57,218, and applicants reported an average income of $108,108. 4% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (485), Dallas-Plano-Irving, TX (294) and Chicago-Naperville-Joliet, IL (209) (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 | 3,896 |
| Total Mortgage Loan Application Amount | $222,922,000 |
| Average Mortgage Loan Application Amount | $57,218 |
| Highest Mortgage Loan Application Amount | $1,620,000 |
| Average Applicant Income | $108,108 |
| Highest Applicant Income | $1,365,000 |
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Act (HMDA) records Principal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 485 | $ 25,763,000 | $ 53,119 | $ 96,839 |
| Dallas-Plano-Irving, TX | 294 | $ 16,611,000 | $ 56,500 | $ 130,000 |
| Chicago-Naperville-Joliet, IL | 209 | $ 15,334,000 | $ 73,368 | $ 124,000 |
| Des Moines-West Des Moines, IA | 180 | $ 7,145,000 | $ 39,694 | $ 102,000 |
| Houston-Sugar Land-Baytown, TX | 113 | $ 5,916,000 | $ 52,353 | $ 115,000 |
| Atlanta-Sandy Springs-Marietta, GA | 111 | $ 5,842,000 | $ 52,630 | $ 104,000 |
| Austin-Round Rock, TX | 92 | $ 5,223,000 | $ 56,771 | $ 120,000 |
| Fort Worth-Arlington, TX | 79 | $ 4,197,000 | $ 53,126 | $ 125,000 |
| Boston-Quincy, MA | 63 | $ 3,549,000 | $ 56,333 | $ 127,000 |
| St. Louis, MO-IL | 62 | $ 3,739,000 | $ 60,306 | $ 99,032 |
| Milwaukee-Waukesha-West Allis, WI | 61 | $ 3,487,000 | $ 57,163 | $ 98,000 |
| Kansas City, MO-KS | 53 | $ 2,595,000 | $ 48,962 | $ 92,415 |
| Phoenix-Mesa-Scottsdale, AZ | 52 | $ 3,924,000 | $ 75,461 | $ 113,000 |
| Cambridge-Newton-Framingham, MA | 48 | $ 2,816,000 | $ 58,666 | $ 141,000 |
| Providence-New Bedford-Fall River, RI-MA | 47 | $ 3,285,000 | $ 69,893 | $ 123,638 |
| Albuquerque, NM | 43 | $ 2,498,000 | $ 58,093 | $ 90,000 |
| Denver-Aurora, CO | 42 | $ 2,425,000 | $ 57,738 | $ 103,000 |
| Portland-Vancouver-Beaverton, OR-WA | 35 | $ 2,162,000 | $ 61,771 | $ 110,314 |
| Lake County-Kenosha County, IL-WI | 30 | $ 2,238,000 | $ 74,600 | $ 135,000 |
| Indianapolis-Carmel, IN | 29 | $ 1,361,000 | $ 46,931 | $ 92,000 |
| Charlotte-Gastonia-Concord, NC-SC | 28 | $ 1,533,000 | $ 54,750 | $ 105,142 |
| Pittsburgh, PA | 27 | $ 977,000 | $ 36,185 | $ 80,000 |
| Seattle-Bellevue-Everett, WA | 27 | $ 2,366,000 | $ 87,629 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 26 | $ 2,735,000 | $ 105,192 | $ 161,000 |
| San Antonio, TX | 25 | $ 1,258,000 | $ 50,320 | $ 113,000 |
| New York-White Plains-Wayne, NY-NJ | 24 | $ 1,756,000 | $ 73,166 | $ 241,000 |
| Peabody, MA | 24 | $ 1,674,000 | $ 69,750 | $ 141,000 |
| Philadelphia, PA | 24 | $ 1,459,000 | $ 60,791 | $ 112,000 |
| Las Vegas-Paradise, NV | 23 | $ 1,265,000 | $ 55,000 | $ 95,000 |
| Cincinnati-Middletown, OH-KY-IN | 22 | $ 960,000 | $ 43,636 | $ 79,454 |
| Salt Lake City, UT | 22 | $ 1,376,000 | $ 62,545 | $ 107,000 |
| Oklahoma City, OK | 21 | $ 1,195,000 | $ 56,904 | $ 97,000 |
| Tulsa, OK | 21 | $ 791,000 | $ 37,666 | $ 95,000 |
| Columbus, OH | 20 | $ 1,268,000 | $ 63,400 | $ 98,000 |
| Hartford-West Hartford-East Hartford, CT | 20 | $ 1,195,000 | $ 59,750 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 1,817,000 | $ 90,850 | $ 250,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 20 | $ 1,570,000 | $ 78,500 | $ 129,350 |
| Riverside-San Bernardino-Ontario, CA | 19 | $ 1,779,000 | $ 93,631 | $ 130,000 |
| San Diego-Carlsbad-San Marcos, CA | 19 | $ 1,876,000 | $ 98,736 | $ 130,000 |
| Nassau-Suffolk, NY | 18 | $ 1,497,000 | $ 83,166 | $ 127,000 |
| Baltimore-Towson, MD | 17 | $ 1,078,000 | $ 63,411 | $ 103,000 |
| Kalamazoo-Portage, MI | 17 | $ 649,000 | $ 38,176 | $ 125,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 17 | $ 1,847,000 | $ 108,647 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 633,000 | $ 37,235 | $ 86,000 |
| Duluth, MN-WI | 16 | $ 890,000 | $ 55,625 | $ 64,750 |
| Jacksonville, FL | 16 | $ 1,005,000 | $ 62,812 | $ 105,000 |
| Madison, WI | 16 | $ 802,000 | $ 50,125 | $ 131,000 |
| Gary, IN | 15 | $ 813,000 | $ 54,200 | $ 124,000 |
| Ogden-Clearfield, UT | 15 | $ 873,000 | $ 58,200 | $ 88,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 759,000 | $ 50,600 | $ 129,000 |
| Rockingham County-Strafford County, NH | 14 | $ 1,115,000 | $ 79,642 | $ 144,000 |
| Green Bay, WI | 13 | $ 555,000 | $ 42,692 | $ 70,000 |
| Orlando-Kissimmee, FL | 13 | $ 809,000 | $ 62,230 | $ 101,000 |
| Raleigh-Cary, NC | 13 | $ 877,000 | $ 67,461 | $ 119,000 |
| Eugene-Springfield, OR | 12 | $ 803,000 | $ 66,916 | $ 68,000 |
| Newark-Union, NJ-PA | 12 | $ 838,000 | $ 69,833 | $ 142,000 |
| Provo-Orem, UT | 12 | $ 643,000 | $ 53,583 | $ 75,000 |
| Tucson, AZ | 12 | $ 661,000 | $ 55,083 | $ 89,000 |
| Colorado Springs, CO | 11 | $ 731,000 | $ 66,454 | $ 107,000 |
| New Haven-Milford, CT | 11 | $ 577,000 | $ 52,454 | $ 114,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 11 | $ 729,000 | $ 66,272 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 587,000 | $ 58,700 | $ 118,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 265,000 | $ 26,500 | $ 85,000 |
| Richmond, VA | 10 | $ 687,000 | $ 68,700 | $ 109,000 |
| Rochester, MN | 10 | $ 499,000 | $ 49,900 | $ 83,000 |
| St. Cloud, MN | 10 | $ 462,000 | $ 46,200 | $ 85,000 |
| Appleton, WI | 9 | $ 417,000 | $ 46,333 | $ 82,000 |
| Asheville, NC | 9 | $ 453,000 | $ 50,333 | $ 80,000 |
| Birmingham-Hoover, AL | 9 | $ 505,000 | $ 56,111 | $ 68,000 |
| Detroit-Livonia-Dearborn, MI | 9 | $ 323,000 | $ 35,888 | $ 84,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 778,000 | $ 86,444 | $ 102,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 277,000 | $ 30,777 | $ 65,000 |
| Louisville-Jefferson County, KY-IN | 9 | $ 291,000 | $ 32,333 | $ 77,000 |
| Santa Ana-Anaheim-Irvine, CA | 9 | $ 953,000 | $ 105,888 | $ 123,000 |
| Tacoma, WA | 9 | $ 564,000 | $ 62,666 | $ 91,000 |
| Worcester, MA | 9 | $ 485,000 | $ 53,888 | $ 99,000 |
| Camden, NJ | 8 | $ 520,000 | $ 65,000 | $ 119,000 |
| Edison, NJ | 8 | $ 514,000 | $ 64,250 | $ 118,000 |
| Fort Collins-Loveland, CO | 8 | $ 265,000 | $ 33,125 | $ 95,000 |
| Greeley, CO | 8 | $ 527,000 | $ 65,875 | $ 96,000 |
| Harrisburg-Carlisle, PA | 8 | $ 249,000 | $ 31,125 | $ 183,000 |
| Racine, WI | 8 | $ 313,000 | $ 39,125 | $ 89,000 |
| Santa Rosa-Petaluma, CA | 8 | $ 510,000 | $ 63,750 | $ 122,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 552,000 | $ 69,000 | $ 95,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 541,000 | $ 77,285 | $ 128,000 |
| Cedar Rapids, IA | 7 | $ 284,000 | $ 40,571 | $ 82,000 |
| Charleston-North Charleston, SC | 7 | $ 362,000 | $ 51,714 | $ 95,000 |
| Columbia, SC | 7 | $ 579,000 | $ 82,714 | $ 182,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 251,000 | $ 35,857 | $ 84,428 |
| El Paso, TX | 7 | $ 447,000 | $ 63,857 | $ 110,000 |
| Lincoln, NE | 7 | $ 272,000 | $ 38,857 | $ 98,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 223,000 | $ 31,857 | $ 100,000 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 910,000 | $ 130,000 | $ 185,000 |
| Bakersfield, CA | 6 | $ 587,000 | $ 97,833 | $ 146,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 301,000 | $ 50,166 | $ 68,000 |
| Dayton, OH | 6 | $ 175,000 | $ 29,166 | $ 65,000 |
| Port St. Lucie, FL | 6 | $ 383,000 | $ 63,833 | $ 122,000 |
| Portland-South Portland-Biddeford, ME | 6 | $ 287,000 | $ 47,833 | $ 80,000 |
| Salem, OR | 6 | $ 369,000 | $ 61,500 | $ 92,000 |
| York-Hanover, PA | 6 | $ 322,000 | $ 53,666 | $ 133,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 408,000 | $ 81,600 | $ 80,000 |
| Ames, IA | 5 | $ 241,000 | $ 48,200 | $ 74,000 |
| Battle Creek, MI | 5 | $ 159,000 | $ 31,800 | $ 90,000 |
| Lancaster, PA | 5 | $ 248,000 | $ 49,600 | $ 79,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 245,000 | $ 49,000 | $ 93,000 |
| Memphis, TN-MS-AR | 5 | $ 286,000 | $ 57,200 | $ 97,200 |
| Wilmington, DE-MD-NJ | 5 | $ 185,000 | $ 37,000 | $ 100,000 |
| Ann Arbor, MI | 4 | $ 104,000 | $ 26,000 | $ 71,000 |
| Barnstable Town, MA | 4 | $ 113,000 | $ 28,250 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 173,000 | $ 43,250 | $ 129,000 |
| Chattanooga, TN-GA | 4 | $ 175,000 | $ 43,750 | $ 82,000 |
| Eau Claire, WI | 4 | $ 191,000 | $ 47,750 | $ 75,000 |
| Florence, SC | 4 | $ 162,000 | $ 40,500 | $ 105,000 |
| Huntsville, AL | 4 | $ 180,000 | $ 45,000 | $ 76,000 |
| Iowa City, IA | 4 | $ 120,000 | $ 30,000 | $ 78,000 |
| Macon, GA | 4 | $ 155,000 | $ 38,750 | $ 132,000 |
| Napa, CA | 4 | $ 307,000 | $ 76,750 | $ 133,000 |
| Norwich-New London, CT | 4 | $ 372,000 | $ 93,000 | $ 96,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 285,000 | $ 71,250 | $ 111,000 |
| Santa Fe, NM | 4 | $ 180,000 | $ 45,000 | $ 80,000 |
| Vallejo-Fairfield, CA | 4 | $ 292,000 | $ 73,000 | $ 139,000 |
| Waco, TX | 4 | $ 132,000 | $ 33,000 | $ 86,000 |
| Akron, OH | 3 | $ 205,000 | $ 68,333 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 269,000 | $ 89,666 | $ 115,000 |
| Anchorage, AK | 3 | $ 335,000 | $ 111,666 | $ 160,000 |
| Boise City-Nampa, ID | 3 | $ 98,000 | $ 32,666 | $ 46,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 214,000 | $ 71,333 | $ 115,000 |
| Columbus, GA-AL | 3 | $ 122,000 | $ 40,666 | $ 53,000 |
| Corvallis, OR | 3 | $ 226,000 | $ 75,333 | $ 109,000 |
| Evansville, IN-KY | 3 | $ 212,000 | $ 70,666 | $ 123,666 |
| Flint, MI | 3 | $ 100,000 | $ 33,333 | $ 68,000 |
| Gainesville, GA | 3 | $ 103,000 | $ 34,333 | $ 101,000 |
| Glens Falls, NY | 3 | $ 134,000 | $ 44,666 | $ 47,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 172,000 | $ 57,333 | $ 84,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 136,000 | $ 45,333 | $ 108,000 |
| Janesville, WI | 3 | $ 144,000 | $ 48,000 | $ 63,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 123,000 | $ 41,000 | $ 73,000 |
| Lakeland, FL | 3 | $ 219,000 | $ 73,000 | $ 144,000 |
| Laredo, TX | 3 | $ 162,000 | $ 54,000 | $ 124,000 |
| Logan, UT-ID | 3 | $ 102,000 | $ 34,000 | $ 62,000 |
| Longview, WA | 3 | $ 150,000 | $ 50,000 | $ 79,000 |
| Lynchburg, VA | 3 | $ 93,000 | $ 31,000 | $ 57,000 |
| Manchester-Nashua, NH | 3 | $ 195,000 | $ 65,000 | $ 110,000 |
| Ocala, FL | 3 | $ 245,000 | $ 81,666 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 426,000 | $ 142,000 | $ 106,000 |
| Reading, PA | 3 | $ 224,000 | $ 74,666 | $ 80,000 |
| Roanoke, VA | 3 | $ 201,000 | $ 67,000 | $ 117,000 |
| Rochester, NY | 3 | $ 72,000 | $ 24,000 | $ 63,000 |
| Rockford, IL | 3 | $ 98,000 | $ 32,666 | $ 82,000 |
| Salinas, CA | 3 | $ 202,000 | $ 67,333 | $ 93,000 |
| Savannah, GA | 3 | $ 100,000 | $ 33,333 | $ 182,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 252,000 | $ 84,000 | $ 232,666 |
| Spokane, WA | 3 | $ 209,000 | $ 69,666 | $ 71,000 |
| Springfield, MA | 3 | $ 121,000 | $ 40,333 | $ 79,000 |
| Stockton, CA | 3 | $ 281,000 | $ 93,666 | $ 139,000 |
| Syracuse, NY | 3 | $ 83,000 | $ 27,666 | $ 51,000 |
| Tallahassee, FL | 3 | $ 279,000 | $ 93,000 | $ 117,000 |
| Tyler, TX | 3 | $ 154,000 | $ 51,333 | $ 151,000 |
| Valdosta, GA | 3 | $ 213,000 | $ 71,000 | $ 134,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 263,000 | $ 87,666 | $ 127,000 |
| Wheeling, WV-OH | 3 | $ 85,000 | $ 28,333 | $ 79,000 |
| Wilmington, NC | 3 | $ 117,000 | $ 39,000 | $ 94,000 |
| Winston-Salem, NC | 3 | $ 89,000 | $ 29,666 | $ 78,000 |
| Albany, GA | 2 | $ 276,000 | $ 138,000 | $ 105,000 |
| Bellingham, WA | 2 | $ 129,000 | $ 64,500 | $ 104,000 |
| Bend, OR | 2 | $ 105,000 | $ 52,500 | $ 81,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 171,000 | $ 85,500 | $ 151,000 |
| Bloomington, IN | 2 | $ 115,000 | $ 57,500 | $ 89,000 |
| Boulder, CO | 2 | $ 67,000 | $ 33,500 | $ 117,000 |
| Burlington-South Burlington, VT | 2 | $ 72,000 | $ 36,000 | $ 65,000 |
| Canton-Massillon, OH | 2 | $ 225,000 | $ 112,500 | $ 131,000 |
| Charlottesville, VA | 2 | $ 213,000 | $ 106,500 | $ 242,000 |
| Chico, CA | 2 | $ 120,000 | $ 60,000 | $ 240,000 |
| Clarksville, TN-KY | 2 | $ 66,000 | $ 33,000 | $ 90,000 |
| Corpus Christi, TX | 2 | $ 82,000 | $ 41,000 | $ 145,000 |
| Danville, IL | 2 | $ 95,000 | $ 47,500 | $ 49,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 80,000 | $ 40,000 | $ 106,000 |
| Durham, NC | 2 | $ 50,000 | $ 25,000 | $ 49,000 |
| Elkhart-Goshen, IN | 2 | $ 165,000 | $ 82,500 | $ 123,000 |
| Fargo, ND-MN | 2 | $ 120,000 | $ 60,000 | $ 136,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 71,000 | $ 35,500 | $ 69,000 |
| Florence-Muscle Shoals, AL | 2 | $ 30,000 | $ 15,000 | $ 32,000 |
| Fond Du Lac, WI | 2 | $ 84,000 | $ 42,000 | $ 115,000 |
| Fort Wayne, IN | 2 | $ 56,000 | $ 28,000 | $ 50,000 |
| Fresno, CA | 2 | $ 171,000 | $ 85,500 | $ 143,000 |
| Grand Forks, ND-MN | 2 | $ 54,000 | $ 27,000 | $ 48,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 129,000 | $ 64,500 | $ 115,000 |
| Hot Springs, AR | 2 | $ 59,000 | $ 29,500 | $ 65,000 |
| Jackson, MI | 2 | $ 160,000 | $ 80,000 | $ 54,000 |
| Jefferson City, MO | 2 | $ 67,000 | $ 33,500 | $ 93,000 |
| Kingston, NY | 2 | $ 65,000 | $ 32,500 | $ 85,000 |
| Lafayette, IN | 2 | $ 182,000 | $ 91,000 | $ 45,000 |
| Lubbock, TX | 2 | $ 98,000 | $ 49,000 | $ 287,000 |
| Medford, OR | 2 | $ 33,000 | $ 16,500 | $ 58,000 |
| Mobile, AL | 2 | $ 122,000 | $ 61,000 | $ 71,000 |
| Olympia, WA | 2 | $ 70,000 | $ 35,000 | $ 61,000 |
| Oshkosh-Neenah, WI | 2 | $ 43,000 | $ 21,500 | $ 41,000 |
| Palm Coast, FL | 2 | $ 77,000 | $ 38,500 | $ 72,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 108,000 | $ 54,000 | $ 90,000 |
| Pocatello, ID | 2 | $ 120,000 | $ 60,000 | $ 59,000 |
| Prescott, AZ | 2 | $ 42,000 | $ 21,000 | $ 39,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 20,000 | $ 10,000 | $ 27,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 56,000 | $ 28,000 | $ 29,000 |
| Sheboygan, WI | 2 | $ 122,000 | $ 61,000 | $ 95,000 |
| Springfield, MO | 2 | $ 60,000 | $ 30,000 | $ 97,000 |
| St. Joseph, MO-KS | 2 | $ 41,000 | $ 20,500 | $ 140,000 |
| Toledo, OH | 2 | $ 69,000 | $ 34,500 | $ 115,000 |
| Topeka, KS | 2 | $ 62,000 | $ 31,000 | $ 83,000 |
| Wausau, WI | 2 | $ 60,000 | $ 30,000 | $ 92,000 |
| Winchester, VA-WV | 2 | $ 85,000 | $ 42,500 | $ 66,000 |
| Abilene, TX | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Altoona, PA | 1 | $ 69,000 | $ 69,000 | $ 100,000 |
| Anniston-Oxford, AL | 1 | $ 21,000 | $ 21,000 | $ 47,000 |
| Athens-Clarke County, GA | 1 | $ 16,000 | $ 16,000 | $ 192,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Baton Rouge, LA | 1 | $ 40,000 | $ 40,000 | $ 63,000 |
| Binghamton, NY | 1 | $ 31,000 | $ 31,000 | $ 67,000 |
| Bismarck, ND | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Bloomington-Normal, IL | 1 | $ 41,000 | $ 41,000 | $ 182,000 |
| Bremerton-Silverdale, WA | 1 | $ 53,000 | $ 53,000 | $ 96,000 |
| Burlington, NC | 1 | $ 50,000 | $ 50,000 | $ 89,000 |
| Champaign-Urbana, IL | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Cheyenne, WY | 1 | $ 74,000 | $ 74,000 | $ 68,000 |
| Cleveland, TN | 1 | $ 71,000 | $ 71,000 | $ 134,000 |
| Coeur D'Alene, ID | 1 | $ 13,000 | $ 13,000 | $ 37,000 |
| College Station-Bryan, TX | 1 | $ 38,000 | $ 38,000 | $ 124,000 |
| Columbia, MO | 1 | $ 11,000 | $ 11,000 | $ 84,000 |
| Columbus, IN | 1 | $ 41,000 | $ 41,000 | $ 68,000 |
| Cumberland, MD-WV | 1 | $ 60,000 | $ 60,000 | $ 63,000 |
| Dalton, GA | 1 | $ 41,000 | $ 41,000 | $ 57,000 |
| Danville, VA | 1 | $ 48,000 | $ 48,000 | $ 110,000 |
| Dothan, AL | 1 | $ 22,000 | $ 22,000 | $ 101,000 |
| Dover, DE | 1 | $ 69,000 | $ 69,000 | $ 81,000 |
| Elmira, NY | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Erie, PA | 1 | $ 24,000 | $ 24,000 | $ 85,000 |
| Fairbanks, AK | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Farmington, NM | 1 | $ 49,000 | $ 49,000 | $ 71,000 |
| Fayetteville, NC | 1 | $ 57,000 | $ 57,000 | $ 139,000 |
| Fort Smith, AR-OK | 1 | $ 48,000 | $ 48,000 | $ 85,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 71,000 | $ 71,000 | $ 682,000 |
| Gainesville, FL | 1 | $ 32,000 | $ 32,000 | $ 38,000 |
| Goldsboro, NC | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Grand Junction, CO | 1 | $ 75,000 | $ 75,000 | $ 107,000 |
| Greensboro-High Point, NC | 1 | $ 31,000 | $ 31,000 | $ 70,000 |
| Hanford-Corcoran, CA | 1 | $ 131,000 | $ 131,000 | $ 115,000 |
| Hattiesburg, MS | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Honolulu, HI | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 23,000 | $ 23,000 | $ 96,000 |
| Jackson, MS | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Johnstown, PA | 1 | $ 27,000 | $ 27,000 | $ 18,000 |
| Kankakee-Bradley, IL | 1 | $ 66,000 | $ 66,000 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 60,000 | $ 60,000 | $ 132,000 |
| Knoxville, TN | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Kokomo, IN | 1 | $ 37,000 | $ 37,000 | $ 74,000 |
| La Crosse, WI-MN | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Lafayette, LA | 1 | $ 99,000 | $ 99,000 | $ 93,000 |
| Lansing-East Lansing, MI | 1 | $ 45,000 | $ 45,000 | $ 89,000 |
| Lawrence, KS | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Lebanon, PA | 1 | $ 61,000 | $ 61,000 | $ 65,000 |
| Lexington-Fayette, KY | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 37,000 | $ 37,000 | $ 97,000 |
| Longview, TX | 1 | $ 36,000 | $ 36,000 | $ 74,000 |
| Mansfield, OH | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Midland, TX | 1 | $ 38,000 | $ 38,000 | $ 75,000 |
| Modesto, CA | 1 | $ 57,000 | $ 57,000 | $ 80,000 |
| Monroe, MI | 1 | $ 44,000 | $ 44,000 | $ 86,000 |
| Montgomery, AL | 1 | $ 68,000 | $ 68,000 | $ 123,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 100,000 | $ 100,000 | $ 129,000 |
| Muncie, IN | 1 | $ 33,000 | $ 33,000 | $ 45,000 |
| Naples-Marco Island, FL | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Ocean City, NJ | 1 | $ 73,000 | $ 73,000 | $ 207,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Panama City-Lynn Haven, FL | 1 | $ 23,000 | $ 23,000 | $ 84,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 71,000 | $ 71,000 | $ 88,000 |
| Punta Gorda, FL | 1 | $ 83,000 | $ 83,000 | $ 121,000 |
| Redding, CA | 1 | $ 44,000 | $ 44,000 | $ 83,000 |
| Reno-Sparks, NV | 1 | $ 14,000 | $ 14,000 | $ 42,000 |
| Salisbury, MD | 1 | $ 32,000 | $ 32,000 | $ 53,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 41,000 | $ 41,000 | $ 201,000 |
| Sandusky, OH | 1 | $ 30,000 | $ 30,000 | $ 100,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Sebastian-Vero Beach, FL | 1 | $ 87,000 | $ 87,000 | $ 118,000 |
| Shreveport-Bossier City, LA | 1 | $ 47,000 | $ 47,000 | $ 71,000 |
| Springfield, OH | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| St. George, UT | 1 | $ 15,000 | $ 15,000 | $ 68,000 |
| Sumter, SC | 1 | $ 37,000 | $ 37,000 | $ 75,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 12,000 | $ 12,000 | $ 47,000 |
| Trenton-Ewing, NJ | 1 | $ 43,000 | $ 43,000 | $ 75,000 |
| Utica-Rome, NY | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Victoria, TX | 1 | $ 41,000 | $ 41,000 | $ 52,000 |
| Visalia-Porterville, CA | 1 | $ 26,000 | $ 26,000 | $ 70,000 |
| Wichita, KS | 1 | $ 40,000 | $ 40,000 | $ 115,000 |
| Yuba City, CA | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Yuma, AZ | 1 | $ 30,000 | $ 30,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Principal Bank in 2007
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 | 1,834 | $115,519,000 | $62,000 | $1,571,000 | $100,000 | $672,000 |
| Home Purchase | 1,587 | $85,781,000 | $54,000 | $368,000 | $122,000 | $1,365,000 |
| Home Improvement | 475 | $21,622,000 | $45,000 | $1,620,000 | $93,000 | $546,000 |
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 | 3,567 | $206,591,000 | $57,000 | $368,000 | $110,000 | $1,365,000 |
| White | 208 | $11,193,000 | $53,000 | $1,620,000 | $87,000 | $546,000 |
| Not Provided | 88 | $3,591,000 | $40,000 | $325,000 | $86,000 | $384,000 |
| Black or African American | 12 | $317,000 | $26,000 | $75,000 | $94,000 | $314,000 |
| Asian | 8 | $268,000 | $33,000 | $77,000 | $87,000 | $129,000 |
| Hispanic | 6 | $522,000 | $87,000 | $350,000 | $232,000 | $516,000 |
| American Indian or Alaskan Native | 4 | $391,000 | $97,000 | $300,000 | $66,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $49,000 | $16,000 | $20,000 | $35,000 | $43,000 |
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) | 3,896 | $222,922,000 | $57,000 | $1,620,000 | $108,000 | $1,365,000 |
| 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 | 3,566 | $206,223,000 | $57,000 | $291,000 | $110,000 | $1,365,000 |
| Loan Originated | 139 | $7,691,000 | $55,000 | $1,571,000 | $98,000 | $314,000 |
| Application Denied By Financial Institution | 136 | $6,238,000 | $45,000 | $1,620,000 | $76,000 | $546,000 |
| Application Approved But Not Accepted | 55 | $2,770,000 | $50,000 | $325,000 | $96,000 | $285,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 122 | $5,762,000 | $47,000 | $1,620,000 | $79,000 | $546,000 |
| Debt-To-Income Ratio | 14 | $476,000 | $34,000 | $55,000 | $50,000 | $110,000 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2007 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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with aggregated HMDA statistics today.
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