Bayfield County, WI Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 917 mortgage applications in Bayfield County, WI totaling $127.3 million, up 17% from 2017. The average application was for $138,000, and applicants reported an average income of $100,000. 62% of applications resulted in an originated loan and 19% were denied. The most active lender was Associated Bank NA, with 76 applications, followed by Northern State Bank and Chippewa Valley 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 917
Total Mortgage Loan Application Amount $127,255,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $100,000
Highest Applicant Income $3,030,000

Mortgage Company List for Lending in Bayfield County, WI for 2018

* 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
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 30,422,051,000 76 $ 9,940,000
Northern State Bank

AURORA, MN 55705
* $ 244,494,000 76 $ 9,110,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ 366,928,000 56 $ 6,530,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 49 $ 4,755,000
Security State Bank
PO BOX 157
IRON RIVER, WI 54847
* $ 92,471,000 47 $ 3,915,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 413,653,000 43 $ 5,485,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 11,915,259,000 41 $ 4,175,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 38 $ 5,590,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 29 $ 5,445,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,720,468,000 26 $ 3,510,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 690,531,000 25 $ 3,535,000
Peoples Bank Midwest
10583 MAIN STREET
HAYWARD, WI 54843
* $ 362,236,000 14 $ 2,550,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 282,874,000 10 $ 2,340,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 10 $ 1,730,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,415,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 9 $ 1,295,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 810,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 8 $ 910,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 8 $ 1,090,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,211,061,000 7 $ 835,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 1,105,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 619,454,000 7 $ 925,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 7 $ 1,295,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,063,591,000 6 $ 520,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,189,354,000 6 $ 440,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 6 $ 770,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 6 $ 620,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 2,560,045,000 6 $ 170,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ 71,925,000 6 $ 1,200,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 6 $ 320,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 6 $ 1,420,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 935,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 5 $ 945,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ 87,422,000 5 $ 595,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 5 $ 785,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 765,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 5 $ 725,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 755,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 650,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 4 $ 310,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 4 $ 320,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 4 $ 720,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 4 $ 930,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 4 $ 540,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 4 $ 480,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 530,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,656,476,000 3 $ 605,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 655,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 192,687,000 3 $ 445,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 942,777,000 3 $ 1,275,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ -1,000 3 $ 485,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 655,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 3 $ 615,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 205,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 3 $ 45,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 3 $ 525,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 2 $ 590,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 400,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 4,542,484,000 2 $ 380,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 330,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 1,508,909,000 2 $ 250,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 320,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 2 $ 280,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 180,000
Centricity Credit Union
4477 LAVAQUE RD
DULUTH, MN 55811
* $ 139,249,000 2 $ 300,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 270,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 130,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 601,951,000 2 $ 230,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 320,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 2 $ 260,000
First American Bank, N.A.
2424 MONETARY BLVD SUITE 107
HUDSON, WI 54016
* $ 120,115,000 1 $ 425,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 65,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 315,000
Building Trades Federal Credit Union
12080 73RD AVE N
MAPLE GROVE, MN 55369
* $ 137,681,000 1 $ 25,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 145,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 65,000
Badger Bank
220 GRANT ST/PO BOX 26
FORT ATKINSON, WI 53538
* $ 135,944,000 1 $ 365,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 165,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 718,393,000 1 $ 325,000
Community Development Bank, FSB
516 MAIN ST
OGEMA, MN 56569
* $ 171,990,000 1 $ 115,000
Cornerstone State Bank
401 4TH ST N W
MONTGOMERY, MN 56069
* $ 169,287,000 1 $ 145,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 689,385,000 1 $ 55,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 1 $ 95,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 2,900,502,000 1 $ 105,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 215,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 455,000
Midwest Community Bank
510 PARK CREST DR
FREEPORT, IL 61032
* $ 219,348,000 1 $ 125,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 185,000
A+ Mortgage Services, Inc.
W188S7820 RACINE AVE SUITE 100
MUSKEGO, WI 53150
* $ -1,000 1 $ 75,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 125,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 255,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 1 $ 185,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 2,931,212,000 1 $ 65,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 175,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 1 $ 185,000
First State Bank and Trust
950 N HWY
BAYPORT, MN 55003
* $ 243,640,000 1 $ 1,305,000
Charter Bank
1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701
* $ 863,355,000 1 $ 185,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,528,090,000 1 $ 95,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ 464,862,000 1 $ 365,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,386,493,000 1 $ 115,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ 182,665,000 1 $ 75,000
Bankorion
1114 4TH STREET
ORION, IL 61273
* $ 441,810,000 1 $ 385,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ 515,101,000 1 $ 145,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 755,545,000 1 $ 315,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 295,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,384,000 1 $ 65,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,948,023,000 1 $ 215,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,026,120,000 1 $ 725,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 1 $ 345,000
The First Bank of Baldwin
990 MAIN STREET, PO BOX 2060
BALDWIN, WI 54002
* $ 167,654,000 1 $ 35,000
Sharepoint Credit Union
5300 HYLAND GREENS DR
BLOOMINGTON, MN 55437
* $ 200,149,000 1 $ 25,000
State Bank of Chilton
26 E. MAIN ST PO BOX 149
CHILTON, WI 53014
* $ 265,913,000 1 $ 65,000
Lake Ridge Bank
1205 MAIN STREET
MONONA, WI 53713
* $ 935,935,000 1 $ 35,000
Spring Bank
16620 W BLUEMOUND RD SUITE 100
BROOKFIELD, WI 53005
* $ 267,893,000 1 $ 65,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 175,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 650,256,000 1 $ 45,000
Heritage Credit Union
1212 HUXLEY STREET
MADISON, WI 53704
* $ 338,667,000 1 $ 45,000
Agcountry Farm Credit Services, Flca
1900 44TH ST S - PO BOX 6020
FARGO, ND 58108
* $ -1,000 1 $ 85,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 175,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 215,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,134,927,000 1 $ 295,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ 2,827,351,000 1 $ 145,000
The Port Washington State Bank
206 N FRANKLIN ST
PORT WASHINGTON, WI 53074
* $ 579,409,000 1 $ 45,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54402
* $ 847,656,000 1 $ 185,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 65,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,308,536,000 1 $ 175,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 105,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 1,541,610,000 1 $ 205,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 4,763,242,000 1 $ 155,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ 57,682,000 1 $ 295,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 1 $ 165,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 175,000
Great Midwest Bank SSB
15900 W BLUEMOUND RD
BROOKFIELD, WI 53005
* $ 738,688,000 1 $ 65,000
Republic Bank, Inc.
306 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 393,617,000 1 $ 805,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 285,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 1 $ 55,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 125,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 155,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ 1,523,413,000 1 $ 35,000
Securant Bank & Trust
6001 W CAPITOL DRIVE
MILWAUKEE, WI 53216
* $ 208,006,000 1 $ 255,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 1 $ 65,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 321,974,000 1 $ 65,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 105,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 47,934,212,000 1 $ 105,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 365,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 526,546,000 1 $ 35,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 145,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 3,602,950,000 1 $ 195,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 55,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 195,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 195,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ -1,000 1 $ 455,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 1 $ 15,000

The tables below break down 2018 mortgage applications in Bayfield County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Bayfield County, WI in 2018

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 410 $66,300,000 $161,000 $1,305,000 $113,000 $3,030,000
Cash-out Refinancing 182 $25,390,000 $139,000 $815,000 $79,000 $816,000
Refinancing 171 $23,195,000 $135,000 $555,000 $94,000 $541,000
Other Purpose 89 $8,745,000 $98,000 $805,000 $107,000 $925,000
Home Improvement 60 $3,040,000 $50,000 $255,000 $91,000 $314,000
Not Applicable 5 $585,000 $117,000 $225,000 $252,000 $252,000

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 767 $106,555,000 $138,000 $1,305,000 $103,000 $3,030,000
Not Provided 68 $8,640,000 $127,000 $375,000 $83,000 $314,000
Not applicable 47 $7,755,000 $165,000 $705,000 $120,000 $161,000
American Indian or Alaskan Native 23 $2,475,000 $107,000 $245,000 $72,000 $137,000
Asian 4 $480,000 $120,000 $165,000 $90,000 $112,000
Hispanic 4 $750,000 $187,000 $295,000 $88,000 $132,000
Native Hawaiian or Other Pacific Islander 2 $220,000 $110,000 $115,000 $19,000 $39,000
Black or African American 1 $215,000 $215,000 $215,000 $73,000 $73,000

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) 794 $109,080,000 $137,000 $1,305,000 $106,000 $3,030,000
FHA-insured (Federal Housing Administration) 68 $8,660,000 $127,000 $235,000 $53,000 $223,000
VA-guaranteed (Veterans Administration) 48 $8,530,000 $177,000 $375,000 $69,000 $174,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $985,000 $140,000 $235,000 $54,000 $74,000

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 564 $79,610,000 $141,000 $1,305,000 $109,000 $3,030,000
Application Denied By Financial Institution 171 $21,485,000 $125,000 $505,000 $77,000 $816,000
Application Withdrawn By Applicant 81 $12,065,000 $148,000 $805,000 $104,000 $522,000
Loan Purchased By The Institution 49 $7,945,000 $162,000 $365,000 $116,000 $226,000
File Closed For Incompleteness 32 $3,890,000 $121,000 $345,000 $72,000 $187,000
Application Approved But Not Accepted 19 $1,895,000 $99,000 $325,000 $70,000 $178,000
Preapproval Denied by Financial Institution 1 $365,000 $365,000 $365,000 $165,000 $165,000
Preapproval Approved but not Accepted 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 592 $85,090,000 $143,000 $1,305,000 $105,000 $3,030,000
Debt-To-Income Ratio 222 $29,040,000 $130,000 $805,000 $96,000 $786,000
Collateral 46 $6,080,000 $132,000 $465,000 $85,000 $816,000
Credit History 36 $3,860,000 $107,000 $355,000 $75,000 $221,000
Credit Application Incomplete 8 $1,610,000 $201,000 $505,000 $120,000 $356,000
Other 5 $505,000 $101,000 $215,000 $104,000 $189,000
Unverifiable Information 5 $785,000 $157,000 $395,000 $86,000 $138,000
Employment History 2 $130,000 $65,000 $115,000 $17,000 $35,000
Insufficient Cash (Downpayment, Closing Cost) 1 $155,000 $155,000 $155,000 $72,000 $72,000
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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