Pocahontas County, IA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 110 mortgage applications in Pocahontas County, IA totaling $8.7 million, down 23% from 2012. The average application was for $78,000, and applicants reported an average income of $58,000. 64% of applications resulted in an originated loan and 16% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 19 applications, followed by United Bank of Iowa and Wells Fargo Bank NA.
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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 | 110 |
| Total Mortgage Loan Application Amount | $8,673,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $202,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 19 | $ 1,978,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,216,747,000 | 15 | $ 753,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 13 | $ 1,131,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,069,063,000 | 10 | $ 719,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 10 | $ 855,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 489,735,000 | 6 | $ 474,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 4 | $ 222,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 3 | $ 98,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 3 | $ 194,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,350,048,000 | 2 | $ 29,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 95,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 140,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 100,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 91,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 175,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 447,183,000 | 1 | $ 43,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 630,111,000 | 1 | $ 400,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,779,605,000 | 1 | $ 62,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 56,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 493,108,000 | 1 | $ 39,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 96,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 91,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,143,978,000 | 1 | $ 56,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,176,846,000 | 1 | $ 72,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 58,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 1 | $ 55,000 |
The tables below break down 2013 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 2013
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 | 56 | $5,162,000 | $92,000 | $400,000 | $69,000 | $202,000 |
| Home Purchase | 38 | $2,833,000 | $74,000 | $172,000 | $51,000 | $128,000 |
| Home Improvement | 16 | $678,000 | $42,000 | $180,000 | $39,000 | $103,000 |
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 | 97 | $7,552,000 | $77,000 | $290,000 | $62,000 | $202,000 |
| Not Provided | 7 | $466,000 | $66,000 | $114,000 | $36,000 | $57,000 |
| Hispanic | 3 | $466,000 | $155,000 | $400,000 | $32,000 | $72,000 |
| Asian | 1 | $49,000 | $49,000 | $49,000 | $46,000 | $46,000 |
| Black or African American | 1 | $46,000 | $46,000 | $46,000 | $43,000 | $43,000 |
| Not applicable | 1 | $94,000 | $94,000 | $94,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 81 | $6,607,000 | $81,000 | $400,000 | $62,000 | $202,000 |
| FHA-insured (Federal Housing Administration) | 11 | $901,000 | $81,000 | $172,000 | $51,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $513,000 | $57,000 | $79,000 | $32,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 9 | $652,000 | $72,000 | $122,000 | $62,000 | $104,000 |
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 | 70 | $5,988,000 | $85,000 | $400,000 | $66,000 | $202,000 |
| Application Denied By Financial Institution | 18 | $1,038,000 | $57,000 | $180,000 | $43,000 | $108,000 |
| Application Withdrawn By Applicant | 8 | $664,000 | $83,000 | $175,000 | $48,000 | $150,000 |
| Loan Purchased By The Institution | 7 | $460,000 | $65,000 | $94,000 | $31,000 | $63,000 |
| Application Approved But Not Accepted | 5 | $398,000 | $79,000 | $172,000 | $75,000 | $100,000 |
| File Closed For Incompleteness | 2 | $125,000 | $62,000 | $70,000 | $41,000 | $55,000 |
| 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 | 5 | $168,000 | $33,000 | $55,000 | $37,000 | $66,000 |
| Collateral | 4 | $369,000 | $92,000 | $180,000 | $62,000 | $108,000 |
| Credit Application Incomplete | 1 | $39,000 | $39,000 | $39,000 | $63,000 | $63,000 |
| Debt-To-Income Ratio | 1 | $63,000 | $63,000 | $63,000 | $42,000 | $42,000 |
| 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 |
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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