Palo Alto County IA
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Unlock detailed Palo Alto County IA mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Iowa.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 185 |
| Total Mortgage Loan Application Amount | $22,425,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $349,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| NORTHWEST BANK 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,471,026,000 | 52 | $ 5,860,000 |
| IOWA BANKERS MORTGAGE CORPORATION 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 17 | $ 2,285,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 14 | $ 1,840,000 |
| FLANAGAN STATE BANK 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 13 | $ 1,695,000 |
| BANKERS' BANK 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 8 | $ 850,000 |
| IOWA TRUST & SAVINGS BANK 2101 10TH ST EMMETSBURG, IA 50536 |
* | $ 462,020,000 | 6 | $ 330,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 4 | $ 440,000 |
| UNITED BANK OF IOWA 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 2,331,206,000 | 4 | $ 440,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 125,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ -1,000 | 3 | $ 735,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ -1,000 | 3 | $ 435,000 |
| VERIDIAN CREDIT UNION 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 3 | $ 105,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 2 | $ 220,000 |
| CENTRAL BANK 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 2 | $ 150,000 |
| GREENSTATE CREDIT UNION 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 2 | $ 240,000 |
| AMERICAN STATE BANK 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 1,254,978,000 | 2 | $ 1,850,000 |
| BANK IOWA 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,918,861,000 | 2 | $ 130,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 90,036,656,000 | 2 | $ 310,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 340,000 |
| COASTAL COMMUNITY BANK PO BOX 12220 EVERETT, WA 98206 |
* | $ 3,141,703,000 | 2 | $ 70,000 |
| FRONTIER FINANCIAL, INC. 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 2 | $ 340,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 60,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 1 | $ 65,000 |
| PLAINS COMMERCE BANK 220 MAIN ST SIOUX FALLS, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 105,000 |
| BNC NATIONAL BANK 20175 N 67TH AVENUE GLENDALE, AZ 85308 |
* | $ 942,438,000 | 1 | $ 165,000 |
| EMPEOPLE CREDIT UNION 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 235,000 |
| SECURITY STATE BANK 109 W 2ND ST SUTHERLAND, IA 51058 |
* | $ 313,938,000 | 1 | $ 185,000 |
| BETHPAGE FEDERAL CREDIT UNION 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 35,000 |
| RELIANCE STATE BANK 606 BROAD ST STORY CITY, IA 50248 |
* | $ 303,001,000 | 1 | $ 15,000 |
| FARMERS TRUST & SAVINGS BANK EARLING, IOWA 122 MAIN ST BOX 285 EARLING, IA 51530 |
* | $ 136,614,000 | 1 | $ 35,000 |
| FLAT BRANCH MORTGAGE, INC. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 45,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ -1,000 | 1 | $ 95,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ -1,000 | 1 | $ 95,000 |
| FIRST NATIONAL BANK 141 E MAIN ST OLDHAM, SD 57051 |
* | $ -1,000 | 1 | $ 225,000 |
| V.I.P. MORTGAGE, INC. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 55,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 1 | $ 135,000 |
| SPRING EQ, LLC 2929 ARCH ST WILMINGTON, DE 19104 |
* | $ -1,000 | 1 | $ 25,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,717,531,000,000 | 1 | $ 115,000 |
| POLARIS HOME FUNDING CORP. 151 44TH ST. SW ENGLEWOOD, FL 49418 |
* | $ -1,000 | 1 | $ 125,000 |
| FIRST INTERNATIONAL BANK & TRUST 1600 S BDWAY WATFORD CITY, ND 58701 |
* | $ 4,910,204,000 | 1 | $ 155,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 2,418,508,000,000 | 1 | $ 105,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 55,000 |
| I. H. MISSISSIPPI VALLEY CREDIT UNION 2121 47TH STREET MOLINE, IL 61265 |
* | $ 2,035,629,000 | 1 | $ 85,000 |
| FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 WILMINGTON, DE 28277 |
* | $ -1,000 | 1 | $ 25,000 |
| THE CENTRAL TRUST BANK 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 1 | $ 65,000 |
| BARRINGTON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 115,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 1 | $ 135,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 1 | $ 75,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 1 | $ 155,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 1 | $ 25,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 1 | $ 125,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2023, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Palo Alto County IA in 2023
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 Purchase | 118 | $15,760,000 | $133,000 | $885,000 | $79,000 | $300,000 |
| Refinancing | 19 | $3,515,000 | $185,000 | $965,000 | $130,000 | $309,000 |
| Home Improvement | 17 | $995,000 | $58,000 | $175,000 | $100,000 | $349,000 |
| Other Purpose | 16 | $670,000 | $41,000 | $175,000 | $66,000 | $140,000 |
| Cash-out Refinancing | 14 | $1,290,000 | $92,000 | $285,000 | $57,000 | $106,000 |
| Not Applicable | 1 | $195,000 | $195,000 | $195,000 | $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 | 139 | $15,105,000 | $108,000 | $835,000 | $82,000 | $349,000 |
| Not applicable | 28 | $5,190,000 | $185,000 | $965,000 | $0 | $0 |
| Not Provided | 13 | $1,445,000 | $111,000 | $285,000 | $80,000 | $300,000 |
| Hispanic | 2 | $110,000 | $55,000 | $95,000 | $105,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $103,000 | $103,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 127 | $15,215,000 | $119,000 | $965,000 | $92,000 | $349,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,080,000 | $118,000 | $195,000 | $58,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,965,000 | $128,000 | $235,000 | $57,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,165,000 | $129,000 | $195,000 | $64,000 | $135,000 |
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 Originated | 114 | $15,010,000 | $131,000 | $965,000 | $90,000 | $349,000 |
| Loan Purchased By The Institution | 26 | $3,330,000 | $128,000 | $235,000 | $116,000 | $116,000 |
| Application Denied By Financial Institution | 19 | $1,745,000 | $91,000 | $285,000 | $60,000 | $135,000 |
| Application Withdrawn By Applicant | 16 | $1,610,000 | $100,000 | $265,000 | $78,000 | $123,000 |
| File Closed For Incompleteness | 6 | $480,000 | $80,000 | $145,000 | $59,000 | $115,000 |
| Application Approved But Not Accepted | 3 | $165,000 | $55,000 | $75,000 | $62,000 | $77,000 |
| Preapproval Approved but not Accepted | 1 | $85,000 | $85,000 | $85,000 | $144,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 159 | $20,185,000 | $126,000 | $965,000 | $88,000 | $349,000 |
| Debt-To-Income Ratio | 14 | $1,090,000 | $77,000 | $255,000 | $52,000 | $107,000 |
| Collateral | 3 | $235,000 | $78,000 | $155,000 | $75,000 | $115,000 |
| Employment History | 2 | $130,000 | $65,000 | $95,000 | $17,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $115,000 | $42,000 | $42,000 |
| Credit History | 2 | $30,000 | $15,000 | $25,000 | $94,000 | $107,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $135,000 | $135,000 |
| Other | 1 | $285,000 | $285,000 | $285,000 | $104,000 | $104,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $103,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.