Pocahontas County, IA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 115 mortgage applications in Pocahontas County, IA totaling $8.5 million, up 16% from 2014. The average application was for $73,000, and applicants reported an average income of $56,000. 52% of applications resulted in an originated loan and 27% were denied. The most active lender was Iowa Bankers Mortgage Corporation, with 18 applications, followed by United Bank of Iowa and Northwest Bank.
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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 | 115 |
| Total Mortgage Loan Application Amount | $8,460,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $224,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $509,000 |
| 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 | 18 | $ 1,513,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,270,132,000 | 11 | $ 666,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,371,232,000 | 11 | $ 874,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 9 | $ 477,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 529,193,000 | 7 | $ 340,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 712,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 4 | $ 237,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 256,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 385,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 655,141,000 | 3 | $ 352,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 174,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 133,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 206,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 78,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 81,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,146,212,000 | 2 | $ 159,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Telco Triad Community CU 1420 TRI VIEW AVE SIOUX CITY, IA 51103 |
* | $ 75,117,000 | 1 | $ 11,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 49,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 98,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,078,478,000 | 1 | $ 169,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 67,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 82,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,314,575,000 | 1 | $ 12,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 65,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 51,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 82,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 87,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 1 | $ 41,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 87,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,722,553,000 | 1 | $ 46,000 |
The tables below break down 2015 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 2015
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 | 60 | $4,704,000 | $78,000 | $220,000 | $57,000 | $509,000 |
| Home Purchase | 46 | $3,573,000 | $77,000 | $224,000 | $53,000 | $323,000 |
| Home Improvement | 9 | $183,000 | $20,000 | $46,000 | $62,000 | $120,000 |
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 | 96 | $7,205,000 | $75,000 | $224,000 | $61,000 | $509,000 |
| Not applicable | 9 | $542,000 | $60,000 | $97,000 | $4,000 | $36,000 |
| Not Provided | 6 | $486,000 | $81,000 | $130,000 | $51,000 | $155,000 |
| Hispanic | 3 | $197,000 | $65,000 | $92,000 | $65,000 | $99,000 |
| Black or African American | 1 | $30,000 | $30,000 | $30,000 | $17,000 | $17,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 72 | $5,255,000 | $72,000 | $224,000 | $63,000 | $509,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,545,000 | $85,000 | $175,000 | $55,000 | $323,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $691,000 | $53,000 | $97,000 | $22,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 12 | $969,000 | $80,000 | $124,000 | $53,000 | $118,000 |
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 | 60 | $4,586,000 | $76,000 | $224,000 | $69,000 | $509,000 |
| Application Denied By Financial Institution | 31 | $2,057,000 | $66,000 | $139,000 | $45,000 | $112,000 |
| Application Withdrawn By Applicant | 12 | $1,021,000 | $85,000 | $220,000 | $39,000 | $120,000 |
| Loan Purchased By The Institution | 8 | $528,000 | $66,000 | $97,000 | $9,000 | $43,000 |
| Application Approved But Not Accepted | 3 | $144,000 | $48,000 | $67,000 | $71,000 | $100,000 |
| File Closed For Incompleteness | 1 | $124,000 | $124,000 | $124,000 | $118,000 | $118,000 |
| 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 | 8 | $357,000 | $44,000 | $80,000 | $61,000 | $98,000 |
| Collateral | 3 | $191,000 | $63,000 | $115,000 | $52,000 | $99,000 |
| Credit Application Incomplete | 3 | $245,000 | $81,000 | $139,000 | $23,000 | $36,000 |
| Debt-To-Income Ratio | 2 | $98,000 | $49,000 | $86,000 | $28,000 | $41,000 |
| Other | 1 | $30,000 | $30,000 | $30,000 | $17,000 | $17,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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