Clark County, WI Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,677 mortgage applications in Clark County, WI totaling $211.9 million, up 53% from 2019. The average application was for $126,000, and applicants reported an average income of $89,000. 68% of applications resulted in an originated loan and 10% were denied. The most active lender was Forward Bank, with 247 applications, followed by Royal Credit Union and Citizens State Bank of Loyal.

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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 1,677
Total Mortgage Loan Application Amount $211,855,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $2,505,000
Average Applicant Income $89,000
Highest Applicant Income $2,392,000

Mortgage Company List for Lending in Clark County, WI for 2020

* 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
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ 593,817,000 247 $ 37,305,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,837,926,000 181 $ 17,345,000
Citizens State Bank of Loyal
400 N MAIN STREET PO BOX 218
LOYAL, WI 54446
* $ 207,896,000 169 $ 19,845,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ 549,882,000 159 $ 19,825,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 48 $ 4,930,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 369,966,000 42 $ 5,040,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 41 $ 5,365,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 38 $ 4,120,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 808,158,000 31 $ 3,725,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 29 $ 2,805,000
Agcountry Farm Credit Services, Flca
1900 44TH ST S - PO BOX 6020
FARGO, ND 58108
* $ -1,000 27 $ 4,785,000
The Northwestern Bank
202 N. BRIDGE ST. PO BOX 49
CHIPPEWA FALLS, WI 54729
* $ 455,721,000 26 $ 3,380,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 26 $ 3,530,000
Valley Communities Credit Union
1105 WESTERN AVE
MOSINEE, WI 54455
* $ 180,512,000 25 $ 2,465,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 857,609,000 23 $ 1,695,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 23 $ 3,265,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 22 $ 3,110,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 3,570,443,000 20 $ 2,120,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 1,905,407,000 19 $ 1,745,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 18 $ 1,940,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 2,595,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 2,190,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,315,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,405,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,336,372,000 11 $ 1,385,000
Unity Bank
207 W LINCOLN ST
AUGUSTA, WI 54722
* $ 527,192,000 11 $ 805,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 10 $ 1,210,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 10 $ 1,370,000
First State Bank
113 W. NORTH WATER ST.
NEW LONDON, WI 54961
* $ 299,849,000 9 $ 1,205,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 9 $ 1,035,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 493,429,000 9 $ 565,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 9 $ 1,295,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,110,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 8 $ 1,410,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 8 $ 890,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 875,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,531,129,000 7 $ 1,385,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 3,689,604,000 7 $ 555,000
Taylor Credit Union
825 E ALLMAN ST
MEDFORD, WI 54451
* $ 60,068,000 7 $ 685,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 915,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 7 $ 615,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 6 $ 690,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 6 $ 290,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 770,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 5 $ 755,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 13,105,582,000 5 $ 465,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 3,331,481,000 5 $ 595,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 5 $ 805,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 5 $ 685,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 655,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 655,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,668,081,000 4 $ 1,000,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ 2,206,443,000 4 $ 750,000
Citizens State Bank
620 MAIN STREET
LA CROSSE, WI 54601
* $ 329,986,000 4 $ 1,110,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 4 $ 580,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 4 $ 180,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ 3,412,023,000 3 $ 215,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 3 $ 345,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 3 $ 695,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 215,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 285,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 3 $ 245,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 3 $ 425,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 135,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 445,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 3 $ 245,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 3 $ 335,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 350,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 340,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 290,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 2 $ 360,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 250,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 2 $ 250,000
Advantage Community Bank
101 W BUSINESS COUNTY ROAD A
DORCHESTER, WI 54425
* $ 155,121,000 2 $ 290,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ 501,272,000 2 $ 420,000
Wisconsin Mortgage Corporation
PO BOX 942
BROOKFIELD, WI 53008
* $ -1,000 2 $ 450,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 330,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 390,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 600,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 170,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 240,000
Intercity State Bank
962 GRAND AVE
SCHOFIELD, WI 54476
* $ 199,304,000 2 $ 170,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 230,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 2 $ 50,000
Citizens State Bank
304 N MAIN STREET
CADOTT, WI 54727
* $ 121,013,000 2 $ 420,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,888,189,000 2 $ 210,000
Oak Bank
5951 MCKEE ROAD STE 100
FITCHBURG, WI 53719
* $ 321,362,000 2 $ 840,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 2 $ 230,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 200,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 240,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 629,553,000 2 $ 260,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 50,000
Woodtrust Bank
181 2ND ST S
WISCONSIN RAPIDS, WI 54494
* $ 441,172,000 1 $ 145,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 395,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 6,492,180,000 1 $ 95,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 95,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ 386,378,000 1 $ 205,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 1 $ 95,000
Westbury Bank
200 S MAIN ST
WEST BEND, WI 53095
* $ 831,386,000 1 $ 265,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ 2,171,954,000 1 $ 115,000
Farmers & Merchants Union Bank
159 W JAMES ST PO BOX 226
COLUMBUS, WI 53925
* $ 398,310,000 1 $ 205,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 994,623,000 1 $ 175,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 155,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ 517,184,000 1 $ 215,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 95,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 195,000
Cloverbelt Credit Union
110 MCINDOE ST, PO BOX 659
WAUSAU, WI 54402
* $ 254,065,000 1 $ 245,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 205,000
Peoples State Bank of Plainview
100 4TH AVE SE
PLAINVIEW, MN 55964
* $ 285,061,000 1 $ 125,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 1 $ 195,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 215,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 165,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,622,768,000 1 $ 115,000
Imagine Home Lending, LLC
1037 RIDERS CLUB RD
ONALASKA, WI 54650
* $ -1,000 1 $ 125,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 5,209,882,000 1 $ 305,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 75,000
Hometown Bank
80 SHEBOYGAN ST
FOND DU LAC, WI 54935
* $ 490,588,000 1 $ 115,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 95,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 12,244,742,000 1 $ 85,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,097,505,000 1 $ 255,000
Woodford State Bank
403 WEST 8TH STREET, PO BOX 766
MONROE, WI 53566
* $ 254,520,000 1 $ 175,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,060,114,000 1 $ 125,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ 1,678,005,000 1 $ 245,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 115,000
Wolf River Community Bank
309 E MAIN ST
HORTONVILLE, WI 54944
* $ 195,437,000 1 $ 135,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 63,780,722,000 1 $ 125,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 4,645,441,000 1 $ 105,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,354,874,000 1 $ 55,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 468,037,000 1 $ 195,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54402
* $ 973,957,000 1 $ 155,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 1 $ 185,000
Tri City National Bank
6400 S 27TH ST
OAK CREEK, WI 53154
* $ 1,467,068,000 1 $ 335,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 265,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ 1,903,675,000 1 $ 15,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 235,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ 999,726,000 1 $ 85,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,864,126,000 1 $ 255,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 115,000
Horicon Bank
326 E LAKE ST, PO BOX 144
HORICON, WI 53032
* $ 883,530,000 1 $ 35,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 1 $ 145,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 105,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 893,592,000 1 $ 225,000
Heartland Credit Union
5500 S ROBERT TRAIL
INVER GROVE HEIGHTS, MN 55077
* $ 121,610,000 1 $ 135,000
Charter Bank
1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701
* $ 937,953,000 1 $ 145,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 185,000
Pyramax Bank FSB
7001 W. EDGERTON AVENUE
GREENFIELD, WI 53220
* $ 425,734,000 1 $ 65,000
The Peoples Community Bank
222 W. COMMERCIAL ST., PO BOX 8
MAZOMANIE, WI 53560
* $ 300,778,000 1 $ 205,000
Premier America Credit Union
19867 PRAIRIE STREET
CHATSWORTH, CA 91311
* $ 2,832,870,000 1 $ 105,000
Farmers Savings Bank
305 DOTY ST
MINERAL POINT, WI 53565
* $ 316,572,000 1 $ 155,000
Heritage Credit Union
1212 HUXLEY STREET
MADISON, WI 53704
* $ 389,447,000 1 $ 125,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 85,000
Blackhawk Community Credit Uni
PO BOX 5366
JANESVILLE, WI 53547
* $ 619,877,000 1 $ 355,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 155,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 105,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 187,526,000 1 $ 185,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 55,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 135,000
Mayo Employees Federal Credit Union
130 23RD AVE SW
ROCHESTER, MN 55902
* $ 1,026,124,000 1 $ 175,000

The tables below break down 2020 mortgage applications in Clark 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 Clark County, WI in 2020

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 636 $83,690,000 $131,000 $515,000 $92,000 $1,394,000
Home Purchase 537 $67,185,000 $125,000 $755,000 $80,000 $2,392,000
Cash-out Refinancing 362 $51,560,000 $142,000 $2,505,000 $100,000 $1,333,000
Other Purpose 88 $5,870,000 $66,000 $325,000 $93,000 $554,000
Home Improvement 44 $2,600,000 $59,000 $185,000 $62,000 $309,000
Not Applicable 10 $950,000 $95,000 $155,000 $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 1,432 $180,520,000 $126,000 $2,505,000 $91,000 $2,392,000
Not Provided 100 $12,170,000 $121,000 $335,000 $91,000 $985,000
Not applicable 91 $13,115,000 $144,000 $755,000 $46,000 $76,000
Hispanic 43 $4,445,000 $103,000 $305,000 $60,000 $139,000
American Indian or Alaskan Native 7 $1,195,000 $170,000 $305,000 $60,000 $96,000
Black or African American 2 $210,000 $105,000 $185,000 $42,000 $52,000
Asian 1 $95,000 $95,000 $95,000 $41,000 $41,000
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) 1,392 $173,340,000 $124,000 $2,505,000 $94,000 $2,392,000
FHA-insured (Federal Housing Administration) 134 $16,840,000 $125,000 $305,000 $59,000 $184,000
VA-guaranteed (Veterans Administration) 78 $13,840,000 $177,000 $385,000 $67,000 $172,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 73 $7,835,000 $107,000 $175,000 $45,000 $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 1,140 $151,000,000 $132,000 $2,505,000 $96,000 $1,394,000
Application Denied By Financial Institution 176 $16,790,000 $95,000 $515,000 $60,000 $520,000
Application Withdrawn By Applicant 163 $18,285,000 $112,000 $435,000 $72,000 $389,000
Loan Purchased By The Institution 83 $11,195,000 $134,000 $385,000 $53,000 $97,000
Application Approved But Not Accepted 62 $7,980,000 $128,000 $375,000 $118,000 $2,392,000
File Closed For Incompleteness 52 $6,480,000 $124,000 $375,000 $78,000 $309,000
Preapproval Denied by Financial Institution 1 $125,000 $125,000 $125,000 $52,000 $52,000
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 895 $112,505,000 $125,000 $755,000 $74,000 $408,000
Debt-To-Income Ratio 678 $90,250,000 $133,000 $2,505,000 $111,000 $2,392,000
Credit History 46 $4,020,000 $87,000 $395,000 $55,000 $251,000
Collateral 28 $2,170,000 $77,000 $175,000 $70,000 $254,000
Other 11 $1,215,000 $110,000 $165,000 $55,000 $97,000
Unverifiable Information 7 $465,000 $66,000 $195,000 $134,000 $520,000
Credit Application Incomplete 6 $540,000 $90,000 $115,000 $68,000 $122,000
Employment History 4 $430,000 $107,000 $135,000 $59,000 $100,000
Insufficient Cash (Downpayment, Closing Cost) 2 $260,000 $130,000 $145,000 $64,000 $78,000
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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