Pocahontas County, IA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 182 mortgage applications in Pocahontas County, IA totaling $19.5 million, down 5% from 2021. The average application was for $107,000, and applicants reported an average income of $71,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was United Bank of Iowa, with 46 applications, followed by Flanagan State Bank and PennyMac Loan Services LLC.
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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 | 182 |
| Total Mortgage Loan Application Amount | $19,540,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $263,000 |
* 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 |
|---|---|---|---|---|
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 2,102,938,000 | 46 | $ 4,300,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 10 | $ 1,150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 880,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 8 | $ 820,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 6 | $ 600,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 6 | $ 560,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 650,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,432,330,000 | 5 | $ 555,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 5 | $ 505,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 2,278,779,000 | 5 | $ 445,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 4 | $ 200,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 1,189,079,000 | 4 | $ 1,080,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 300,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 1,464,817,000 | 4 | $ 350,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 465,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 3 | $ 455,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,731,908,000 | 3 | $ 845,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 405,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 435,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 90,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 110,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 120,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 250,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 80,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,758,051,000 | 2 | $ 110,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 110,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 340,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 255,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 95,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,832,277,000 | 1 | $ 185,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 145,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 20,248,406,000 | 1 | $ 45,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 45,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 105,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 1 | $ 115,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 45,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,759,374,000 | 1 | $ 15,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 135,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 85,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 65,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 3,390,640,000 | 1 | $ 265,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 105,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 265,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 1 | $ 15,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 255,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 75,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2022 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 2022
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 | $13,870,000 | $117,000 | $565,000 | $67,000 | $263,000 |
| Cash-out Refinancing | 25 | $2,275,000 | $91,000 | $215,000 | $63,000 | $162,000 |
| Refinancing | 18 | $2,230,000 | $123,000 | $305,000 | $77,000 | $204,000 |
| Home Improvement | 13 | $765,000 | $58,000 | $155,000 | $79,000 | $129,000 |
| Other Purpose | 8 | $400,000 | $50,000 | $115,000 | $109,000 | $260,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 131 | $13,885,000 | $105,000 | $565,000 | $73,000 | $262,000 |
| Not applicable | 20 | $2,780,000 | $139,000 | $345,000 | $17,000 | $17,000 |
| Not Provided | 19 | $1,985,000 | $104,000 | $255,000 | $74,000 | $263,000 |
| Hispanic | 9 | $725,000 | $80,000 | $155,000 | $33,000 | $73,000 |
| Asian | 2 | $70,000 | $35,000 | $45,000 | $67,000 | $96,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 123 | $13,275,000 | $107,000 | $565,000 | $77,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $1,810,000 | $75,000 | $135,000 | $44,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,645,000 | $139,000 | $225,000 | $72,000 | $116,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,810,000 | $113,000 | $265,000 | $52,000 | $92,000 |
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 | 101 | $10,905,000 | $107,000 | $565,000 | $74,000 | $263,000 |
| Application Denied By Financial Institution | 38 | $3,940,000 | $103,000 | $425,000 | $67,000 | $112,000 |
| Loan Purchased By The Institution | 16 | $1,730,000 | $108,000 | $265,000 | $47,000 | $77,000 |
| Application Withdrawn By Applicant | 13 | $1,455,000 | $111,000 | $255,000 | $72,000 | $117,000 |
| File Closed For Incompleteness | 8 | $980,000 | $122,000 | $275,000 | $64,000 | $109,000 |
| Application Approved But Not Accepted | 6 | $530,000 | $88,000 | $185,000 | $53,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 140 | $15,250,000 | $108,000 | $565,000 | $71,000 | $263,000 |
| Debt-To-Income Ratio | 16 | $1,840,000 | $115,000 | $425,000 | $66,000 | $204,000 |
| Credit History | 15 | $1,195,000 | $79,000 | $305,000 | $57,000 | $112,000 |
| Collateral | 6 | $510,000 | $85,000 | $165,000 | $92,000 | $108,000 |
| Other | 2 | $130,000 | $65,000 | $85,000 | $107,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $480,000 | $240,000 | $305,000 | $95,000 | $107,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $77,000 | $77,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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