Pocahontas County, IA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 121 mortgage applications in Pocahontas County, IA totaling $9.6 million, up 5% from 2015. The average application was for $79,000, and applicants reported an average income of $60,000. 61% of applications resulted in an originated loan and 26% were denied. The most active lender was United Bank of Iowa, with 25 applications, followed by Availa Bank 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 | 121 |
| Total Mortgage Loan Application Amount | $9,616,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $324,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $188,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,329,743,000 | 25 | $ 1,857,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 536,114,000 | 12 | $ 1,160,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 9 | $ 452,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 904,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 8 | $ 751,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,421,072,000 | 5 | $ 494,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 4 | $ 163,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 250,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 4 | $ 296,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,134,969,000 | 3 | $ 219,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,952,894,000 | 3 | $ 116,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 234,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 703,748,000 | 2 | $ 76,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 2 | $ 148,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 3,195,095,000 | 2 | $ 144,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 172,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 356,249,000 | 1 | $ 131,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 147,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 62,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,073,093,000 | 1 | $ 67,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 476,220,000 | 1 | $ 9,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 62,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 100,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 2,959,506,000 | 1 | $ 68,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 28,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 65,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 87,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,339,209,000 | 1 | $ 119,000 |
The tables below break down 2016 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 2016
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 | 54 | $4,523,000 | $83,000 | $166,000 | $63,000 | $138,000 |
| Home Purchase | 46 | $3,585,000 | $77,000 | $324,000 | $51,000 | $188,000 |
| Home Improvement | 21 | $1,508,000 | $71,000 | $295,000 | $70,000 | $150,000 |
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 | 107 | $8,357,000 | $78,000 | $324,000 | $62,000 | $188,000 |
| Not Provided | 9 | $937,000 | $104,000 | $285,000 | $65,000 | $87,000 |
| Not applicable | 2 | $81,000 | $40,000 | $74,000 | $0 | $0 |
| Hispanic | 2 | $94,000 | $47,000 | $74,000 | $20,000 | $24,000 |
| Black or African American | 1 | $147,000 | $147,000 | $147,000 | $12,000 | $12,000 |
| Native Hawaiin 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) | 87 | $6,937,000 | $79,000 | $324,000 | $65,000 | $188,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,003,000 | $71,000 | $147,000 | $47,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,254,000 | $104,000 | $160,000 | $56,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $422,000 | $52,000 | $68,000 | $30,000 | $58,000 |
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 | 74 | $5,560,000 | $75,000 | $324,000 | $61,000 | $188,000 |
| Application Denied By Financial Institution | 32 | $2,483,000 | $77,000 | $160,000 | $58,000 | $150,000 |
| Application Withdrawn By Applicant | 6 | $669,000 | $111,000 | $230,000 | $61,000 | $97,000 |
| Application Approved But Not Accepted | 5 | $472,000 | $94,000 | $285,000 | $59,000 | $82,000 |
| File Closed For Incompleteness | 3 | $358,000 | $119,000 | $150,000 | $63,000 | $99,000 |
| Loan Purchased By The Institution | 1 | $74,000 | $74,000 | $74,000 | $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 | 6 | $289,000 | $48,000 | $79,000 | $37,000 | $75,000 |
| Credit Application Incomplete | 4 | $390,000 | $97,000 | $160,000 | $91,000 | $150,000 |
| Debt-To-Income Ratio | 2 | $229,000 | $114,000 | $147,000 | $27,000 | $42,000 |
| Collateral | 1 | $88,000 | $88,000 | $88,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 1 | $12,000 | $12,000 | $12,000 | $65,000 | $65,000 |
| Unverifiable Information | 1 | $44,000 | $44,000 | $44,000 | $12,000 | $12,000 |
| Other | 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 |
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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