Pocahontas County, IA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 293 mortgage applications in Pocahontas County, IA totaling $16.3 million, up 18% from 2004. The average application was for $55,000, and applicants reported an average income of $43,000. 40% of applications resulted in an originated loan and 30% were denied. The most active lender was Metabank, with 24 applications, followed by Wells Fargo Bank, NA and Ameriquest Mortgage Company.
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| Years | 2025 2024 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 | 293 |
| Total Mortgage Loan Application Amount | $16,271,000 |
| Average Mortgage Loan Application Amount | $55,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $593,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 745,568,000 | 24 | $ 1,199,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 17 | $ 693,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 15 | $ 1,221,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 13 | $ 699,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 12 | $ 546,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 846,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 472,983,000 | 11 | $ 249,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 11 | $ 601,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 10 | $ 603,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 10 | $ 599,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 9 | $ 498,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 238,000 |
| American National Bank 201 MAIN ST PIERSON, IA 51048 |
* | $ 181,546,000 | 6 | $ 773,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 6 | $ 91,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 371,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 38,766,882,000 | 5 | $ 334,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 211,857,000 | 5 | $ 280,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 5 | $ 196,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 4 | $ 203,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 4 | $ 162,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 4 | $ 179,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 4 | $ 178,000 |
| First Federal Savings Bank Ia 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 463,842,000 | 4 | $ 119,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 4 | $ 192,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 4 | $ 165,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 3 | $ 211,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 198,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 171,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 157,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 141,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 3 | $ 99,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 223,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 10,353,821,000 | 2 | $ 67,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 100,000 |
| Ownit Mortgage Solutions, Inc 27349 AGOURA RD # 100 AGOURA HILLS, CA 91301 |
* | $ 10,000,000 | 2 | $ 75,000 |
| Paragon Home Lending, LLC 19435 W. CAPITOL DRIVE, SUITE 201 BROOKFIELD, WI 53045 |
* | $ 10,000,000 | 2 | $ 100,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 2 | $ 166,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 2 | $ 120,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 2 | $ 114,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 2 | $ 118,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 2 | $ 260,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 90,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 126,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 2 | $ 101,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,012,109,000 | 2 | $ 44,000 |
| C.U. Mortgage Services, Inc. 500 MAIN STREET SUITE 100 NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 70,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 270,843,000 | 1 | $ 48,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 1 | $ 47,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 45,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 1 | $ 86,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 1 | $ 85,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 1 | $ 75,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 1 | $ 91,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 251,264,000 | 1 | $ 52,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 70,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,250,504,000 | 1 | $ 73,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 55,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 13,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 88,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 33,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Quick Loan Funding Inc 535 ANTON BLVD, SUITE 600 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 125,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 386,691,000 | 1 | $ 70,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 122,000 |
The tables below break down 2005 mortgage applications in Pocahontas County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pocahontas County, IA 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 | 181 | $11,128,000 | $61,000 | $485,000 | $44,000 | $593,000 |
| Home Purchase | 83 | $4,278,000 | $51,000 | $173,000 | $39,000 | $140,000 |
| Home Improvement | 29 | $865,000 | $29,000 | $109,000 | $42,000 | $130,000 |
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 |
|---|---|---|---|---|---|---|
| White | 235 | $12,705,000 | $54,000 | $485,000 | $41,000 | $185,000 |
| Not Provided | 40 | $2,493,000 | $62,000 | $173,000 | $44,000 | $90,000 |
| Not applicable | 11 | $699,000 | $63,000 | $102,000 | $0 | $0 |
| Hispanic | 4 | $208,000 | $52,000 | $119,000 | $172,000 | $593,000 |
| American Indian or Alaskan Native | 3 | $166,000 | $55,000 | $60,000 | $48,000 | $70,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 287 | $16,057,000 | $55,000 | $485,000 | $43,000 | $593,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $160,000 | $40,000 | $56,000 | $30,000 | $38,000 |
| FHA-insured (Federal Housing Administration) | 2 | $54,000 | $27,000 | $34,000 | $22,000 | $24,000 |
| 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 Originated | 116 | $6,543,000 | $56,000 | $485,000 | $46,000 | $130,000 |
| Application Denied By Financial Institution | 88 | $4,353,000 | $49,000 | $176,000 | $33,000 | $140,000 |
| Application Withdrawn By Applicant | 32 | $2,004,000 | $62,000 | $156,000 | $50,000 | $185,000 |
| Application Approved But Not Accepted | 25 | $1,208,000 | $48,000 | $109,000 | $43,000 | $135,000 |
| Loan Purchased By The Institution | 22 | $1,315,000 | $59,000 | $102,000 | $22,000 | $83,000 |
| File Closed For Incompleteness | 8 | $588,000 | $73,000 | $119,000 | $167,000 | $593,000 |
| Preapproval Denied by Financial Institution | 2 | $260,000 | $130,000 | $130,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 31 | $1,301,000 | $41,000 | $97,000 | $27,000 | $50,000 |
| Other | 18 | $1,266,000 | $70,000 | $176,000 | $29,000 | $100,000 |
| Collateral | 9 | $507,000 | $56,000 | $112,000 | $36,000 | $71,000 |
| Debt-To-Income Ratio | 6 | $193,000 | $32,000 | $70,000 | $25,000 | $58,000 |
| Unverifiable Information | 4 | $223,000 | $55,000 | $112,000 | $59,000 | $140,000 |
| Credit Application Incomplete | 3 | $139,000 | $46,000 | $51,000 | $39,000 | $44,000 |
| Employment History | 2 | $132,000 | $66,000 | $113,000 | $34,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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