Pocahontas County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 112 mortgage applications in Pocahontas County, IA totaling $14.8 million, up 6% from 2023. The average application was for $132,000, and applicants reported an average income of $89,000. 54% of applications resulted in an originated loan and 10% were denied. The most active lender was United Bank of Iowa, with 16 applications, followed by Iowa Bankers Mortgage Corporation 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 | 112 |
| Total Mortgage Loan Application Amount | $14,790,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $312,000 |
| 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 |
* | $ n/a | 16 | $ 1,450,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 13 | $ 2,395,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 9 | $ 1,665,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 560,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 715,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 4 | $ 650,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 4 | $ 600,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 445,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 225,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 3 | $ 215,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 2 | $ 100,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 140,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 2 | $ 330,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 100,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 250,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 2 | $ 50,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 240,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 840,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 300,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ n/a | 2 | $ 180,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 15,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 135,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 1 | $ 225,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 45,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 105,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 225,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 145,000 |
| Telco Triad Community CU Hmda 2025 1420 TRI VIEW AVE SIOUX CITY, IA 51108 |
* | $ n/a | 1 | $ 25,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 155,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 1 | $ 365,000 |
| Security State Bank 109 W 2ND ST SUTHERLAND, IA 51058 |
* | $ n/a | 1 | $ 255,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 205,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 225,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 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 2024
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 | 77 | $11,595,000 | $150,000 | $455,000 | $94,000 | $312,000 |
| Cash-out Refinancing | 16 | $1,410,000 | $88,000 | $205,000 | $71,000 | $169,000 |
| Refinancing | 11 | $1,315,000 | $119,000 | $385,000 | $101,000 | $281,000 |
| Home Improvement | 5 | $375,000 | $75,000 | $155,000 | $94,000 | $187,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $33,000 | $66,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $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 | 78 | $10,460,000 | $134,000 | $455,000 | $90,000 | $312,000 |
| Not applicable | 18 | $2,570,000 | $142,000 | $395,000 | $0 | $0 |
| Hispanic | 8 | $820,000 | $102,000 | $175,000 | $78,000 | $152,000 |
| Not Provided | 5 | $605,000 | $121,000 | $165,000 | $81,000 | $144,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $67,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $59,000 | $59,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $170,000 | $170,000 |
| 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) | 71 | $9,665,000 | $136,000 | $455,000 | $101,000 | $312,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,595,000 | $103,000 | $205,000 | $58,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,045,000 | $185,000 | $225,000 | $76,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $485,000 | $97,000 | $165,000 | $60,000 | $88,000 |
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 | 61 | $8,125,000 | $133,000 | $395,000 | $91,000 | $281,000 |
| Loan Purchased By The Institution | 17 | $2,625,000 | $154,000 | $395,000 | $55,000 | $55,000 |
| Application Withdrawn By Applicant | 17 | $2,405,000 | $141,000 | $455,000 | $95,000 | $312,000 |
| Application Denied By Financial Institution | 11 | $1,025,000 | $93,000 | $275,000 | $69,000 | $144,000 |
| Application Approved But Not Accepted | 3 | $455,000 | $151,000 | $225,000 | $85,000 | $152,000 |
| File Closed For Incompleteness | 3 | $155,000 | $51,000 | $65,000 | $101,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 97 | $13,385,000 | $137,000 | $455,000 | $89,000 | $312,000 |
| Debt-To-Income Ratio | 5 | $405,000 | $81,000 | $255,000 | $129,000 | $281,000 |
| Collateral | 3 | $225,000 | $75,000 | $135,000 | $69,000 | $144,000 |
| Credit History | 3 | $255,000 | $85,000 | $115,000 | $73,000 | $117,000 |
| Other | 2 | $360,000 | $180,000 | $275,000 | $142,000 | $142,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $17,000 | $17,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $38,000 | $38,000 |
| 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 |
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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