Bayfield County, WI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 666 mortgage applications in Bayfield County, WI totaling $120.5 million, up 32% from 2023. The average application was for $180,000, and applicants reported an average income of $126,000. 59% of applications resulted in an originated loan and 18% were denied. The most active lender was Superior Choice Credit Union, with 80 applications, followed by Northern State Bank and Associated 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 | 666 |
| Total Mortgage Loan Application Amount | $120,460,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $1,755,000 |
| Average Applicant Income | $126,000 |
| Highest Applicant Income | $2,188,000 |
* 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 |
|---|---|---|---|---|
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ n/a | 80 | $ 8,580,000 |
| Northern State Bank AURORA, MN 55705 |
* | $ n/a | 56 | $ 8,530,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 34 | $ 3,700,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ n/a | 33 | $ 4,845,000 |
| Security State Bank PO BOX 157 IRON RIVER, WI 54847 |
* | $ n/a | 29 | $ 4,645,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ n/a | 27 | $ 5,525,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 25 | $ 2,905,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 14 | $ 1,860,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 13 | $ 1,685,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 12 | $ 2,840,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 12 | $ 2,850,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 1,965,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 11 | $ 985,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 11 | $ 1,835,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 10 | $ 1,590,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 8 | $ 4,440,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 8 | $ 1,960,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ n/a | 7 | $ 2,145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 7 | $ 1,665,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 7 | $ 1,705,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 680,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,110,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ n/a | 5 | $ 1,125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 845,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 815,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 995,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ n/a | 5 | $ 635,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 480,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,270,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 930,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 820,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 660,000 |
| Bay Bank 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ n/a | 4 | $ 520,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 4 | $ 690,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 670,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 4 | $ 1,000,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 340,000 |
| Citizens State Bank 375 STAGELINE RD HUDSON, WI 54016 |
* | $ n/a | 4 | $ 610,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 3 | $ 735,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 3 | $ 615,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 625,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 435,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 755,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 665,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 3 | $ 675,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 3 | $ 185,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 3 | $ 1,145,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 935,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 3 | $ 335,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 465,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 2 | $ 220,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 230,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 420,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 2 | $ 430,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 2 | $ 990,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 2 | $ 190,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 420,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 2 | $ 1,550,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 330,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ n/a | 2 | $ 670,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 460,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 2 | $ 450,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 2 | $ 540,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 100,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ n/a | 2 | $ 160,000 |
| Park State Bank 2630 WEST SUPERIOR STREET DULUTH, MN 55806 |
* | $ n/a | 2 | $ 490,000 |
| The State Bank of Faribault 428 CENTRAL AVE N FARIBAULT, MN 55021 |
* | $ n/a | 2 | $ 800,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 2 | $ 510,000 |
| Accunet Mortgage LLC 13000 W SILVER SPRING DR. WAUKESHA, WI 53188 |
* | $ n/a | 2 | $ 510,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 2 | $ 480,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 55,000 |
| Firstbank 10403 WEST COLFAX AVENUE LAKEWOOD, CO 80215 |
* | $ n/a | 1 | $ 35,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 225,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 605,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ n/a | 1 | $ 165,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ n/a | 1 | $ 145,000 |
| Westby Co-Op Credit Union 501 N MAIN ST WESTBY, WI 54667 |
* | $ n/a | 1 | $ 155,000 |
| Farmers Savings Bank 305 DOTY ST MINERAL POINT, WI 53565 |
* | $ n/a | 1 | $ 355,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ n/a | 1 | $ 15,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ n/a | 1 | $ 65,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ n/a | 1 | $ 185,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 55,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 105,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 645,000 |
| Security Financial Bank 212 W PROSPECT STREET DURAND, WI 54736 |
* | $ n/a | 1 | $ 85,000 |
| Harbor Pointe Credit Union PO BOX 161558 DULUTH, MN 55802 |
* | $ n/a | 1 | $ 65,000 |
| Dairy State Bank 16 S MAIN STREET RICE LAKE, WI 54868 |
* | $ n/a | 1 | $ 55,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 325,000 |
| State Bank of Chilton 26 E. MAIN ST PO BOX 149 CHILTON, WI 53014 |
* | $ n/a | 1 | $ 175,000 |
| Ahl Funding 4 PARK PLAZA SUITE 730 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 975,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 585,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 325,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 275,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 115,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 305,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 275,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 1 | $ 225,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ n/a | 1 | $ 25,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 1,285,000 |
| Security Bank PO BOX 278 NEW AUBURN, WI 54757 |
* | $ n/a | 1 | $ 1,755,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 275,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 175,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ n/a | 1 | $ 155,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ n/a | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 195,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 215,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 115,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 85,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ n/a | 1 | $ 15,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 145,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 1 | $ 655,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 1 | $ 215,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 605,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ n/a | 1 | $ 35,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 175,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 175,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 175,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 355,000 |
| Peoples State Bank of Plainview 100 4TH AVE SE PLAINVIEW, MN 55964 |
* | $ n/a | 1 | $ 125,000 |
| Horicon Bank 326 E LAKE ST, PO BOX 144 HORICON, WI 53032 |
* | $ n/a | 1 | $ 135,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ n/a | 1 | $ 235,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ n/a | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 255,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 115,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 765,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 255,000 |
| Consumers Credit Union 1075 TRI STATE PARKWAY STE 850 GURNEE, IL 60031 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2024 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 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 | 271 | $67,635,000 | $249,000 | $1,755,000 | $153,000 | $2,188,000 |
| Other Purpose | 117 | $11,225,000 | $95,000 | $755,000 | $105,000 | $800,000 |
| Cash-out Refinancing | 106 | $18,920,000 | $178,000 | $975,000 | $98,000 | $500,000 |
| Home Improvement | 89 | $7,895,000 | $88,000 | $305,000 | $111,000 | $460,000 |
| Refinancing | 83 | $14,785,000 | $178,000 | $645,000 | $122,000 | $1,033,000 |
| 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 | 550 | $98,560,000 | $179,000 | $1,755,000 | $125,000 | $2,188,000 |
| Not Provided | 63 | $10,615,000 | $168,000 | $585,000 | $136,000 | $984,000 |
| Not applicable | 26 | $6,480,000 | $249,000 | $705,000 | $88,000 | $88,000 |
| American Indian or Alaskan Native | 15 | $2,515,000 | $167,000 | $645,000 | $109,000 | $536,000 |
| Hispanic | 6 | $820,000 | $136,000 | $305,000 | $105,000 | $276,000 |
| Asian | 3 | $1,005,000 | $335,000 | $605,000 | $168,000 | $232,000 |
| Black or African American | 3 | $465,000 | $155,000 | $235,000 | $144,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 594 | $105,410,000 | $177,000 | $1,755,000 | $130,000 | $2,188,000 |
| FHA-insured (Federal Housing Administration) | 48 | $8,680,000 | $180,000 | $345,000 | $84,000 | $290,000 |
| VA-guaranteed (Veterans Administration) | 22 | $6,130,000 | $278,000 | $645,000 | $107,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $240,000 | $120,000 | $125,000 | $35,000 | $46,000 |
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 | 395 | $76,055,000 | $192,000 | $1,755,000 | $140,000 | $2,188,000 |
| Application Denied By Financial Institution | 121 | $17,655,000 | $145,000 | $755,000 | $91,000 | $715,000 |
| Application Withdrawn By Applicant | 84 | $14,860,000 | $176,000 | $975,000 | $124,000 | $984,000 |
| Application Approved But Not Accepted | 26 | $3,890,000 | $149,000 | $565,000 | $92,000 | $338,000 |
| File Closed For Incompleteness | 21 | $3,665,000 | $174,000 | $605,000 | $119,000 | $290,000 |
| Loan Purchased By The Institution | 18 | $3,950,000 | $219,000 | $355,000 | $67,000 | $67,000 |
| Preapproval Approved but not Accepted | 1 | $385,000 | $385,000 | $385,000 | $203,000 | $203,000 |
| 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 | 445 | $84,855,000 | $190,000 | $1,375,000 | $130,000 | $2,188,000 |
| Debt-To-Income Ratio | 155 | $26,825,000 | $173,000 | $1,755,000 | $122,000 | $1,288,000 |
| Collateral | 24 | $4,210,000 | $175,000 | $755,000 | $155,000 | $715,000 |
| Credit History | 20 | $1,940,000 | $97,000 | $305,000 | $98,000 | $257,000 |
| Other | 7 | $635,000 | $90,000 | $205,000 | $113,000 | $276,000 |
| Credit Application Incomplete | 6 | $880,000 | $146,000 | $235,000 | $68,000 | $130,000 |
| Unverifiable Information | 5 | $845,000 | $169,000 | $415,000 | $18,000 | $94,000 |
| Employment History | 2 | $140,000 | $70,000 | $85,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $130,000 | $65,000 | $75,000 | $81,000 | $138,000 |
| 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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