Douglas County, WI Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,481 mortgage applications in Douglas County, WI totaling $247.7 million, down 17% from 2022. The average application was for $167,000, and applicants reported an average income of $101,000. 65% of applications resulted in an originated loan and 13% were denied. The most active lender was Superior Choice Credit Union, with 273 applications, followed by National Bank of Commerce and Centricity Credit Union.

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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 1,481
Total Mortgage Loan Application Amount $247,655,000
Average Mortgage Loan Application Amount $167,000
Highest Mortgage Loan Application Amount $10,005,000
Average Applicant Income $101,000
Highest Applicant Income $1,946,000

Mortgage Company List for Lending in Douglas County, WI for 2023

* 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
* $ 708,340,000 273 $ 27,115,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 1,248,794,000 109 $ 42,015,000
Centricity Credit Union
4477 LAVAQUE RD
DULUTH, MN 55811
* $ 236,874,000 72 $ 4,220,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ 81,451,000 58 $ 6,200,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 399,856,000 56 $ 12,430,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 54 $ 9,020,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 44 $ 7,850,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 38 $ 2,260,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 29 $ 5,485,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 28 $ 1,920,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 4,078,225,000 28 $ 3,020,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 24 $ 4,450,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ -1,000 24 $ 4,130,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 1,152,301,000 23 $ 2,695,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 12,493,973,000 20 $ 4,480,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 3,163,444,000 20 $ 5,980,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 18 $ 3,110,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ 637,500,000 18 $ 2,170,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 17 $ 3,725,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 17 $ 3,005,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 16 $ 3,160,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 16 $ 3,600,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 2,995,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 15 $ 3,045,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 39,358,786,000 14 $ 1,730,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 1,910,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 12 $ 2,250,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 11 $ 1,635,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 10 $ 2,120,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 427,321,000 10 $ 1,640,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 10 $ 2,620,000
Security State Bank
PO BOX 157
IRON RIVER, WI 54847
* $ 120,707,000 9 $ 1,365,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 720,000
Park State Bank
2630 WEST SUPERIOR STREET
DULUTH, MN 55806
* $ 1,082,644,000 8 $ 2,140,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 8 $ 1,900,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 8 $ 1,250,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,552,579,000 7 $ 735,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,355,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,937,869,000 7 $ 1,655,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 7 $ 915,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 7 $ 525,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 7 $ 1,245,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 6 $ 1,000,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 6 $ 1,190,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,300,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,100,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 995,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 5 $ 365,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 6,057,275,000 5 $ 1,345,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ -1,000 5 $ 685,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ 93,135,000 5 $ 385,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 965,000
Harbor Pointe Credit Union
PO BOX 161558
DULUTH, MN 55802
* $ 152,871,000 5 $ 345,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 645,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 4 $ 510,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 4 $ 710,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ 705,542,000 4 $ 620,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,815,328,000 4 $ 860,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 640,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 300,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 4 $ 870,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 1,037,836,000 4 $ 230,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 1,090,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,576,574,000 3 $ 1,985,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 255,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 565,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 3 $ 645,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 145,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 485,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 4,614,668,000 3 $ 235,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 735,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 3 $ 695,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 625,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 3 $ 575,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 15,939,263,000 3 $ 1,415,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 2 $ 440,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 6,153,509,000 2 $ 160,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 490,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 3,392,287,000 2 $ 200,000
Pcm Credit Union
601 WILLARD DRIVE
GREEN BAY, WI 54304
* $ 393,134,000 2 $ 190,000
Hiawatha National Bank
N1555 770TH ST
HAGER CITY, WI 54014
* $ 634,681,000 2 $ 230,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 6,574,512,000 2 $ 200,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 6,224,510,000 2 $ 330,000
Minnesota Power Employees Credit Union
30 W SUPERIOR ST. STE. 126
DULUTH, MN 55802
* $ 122,967,000 2 $ 680,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 630,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 8,422,113,000 2 $ 240,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 150,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 2 $ 60,000
North Shore Bank
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ 2,582,111,000 2 $ 330,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 2 $ 290,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 410,000
Neighborhood National Bank
45 NORTH UNION
MORA, MN 55051
* $ 315,796,000 2 $ 80,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 2 $ 400,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 320,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 320,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 360,000
Fortress Bank
9000 N. KNOXVILLE AVENUE
PEORIA, IL 61615
* $ 619,628,000 2 $ 260,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 2 $ 450,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 2 $ 680,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ -1,000 1 $ 115,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 135,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 1 $ 45,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 1 $ 295,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 6,896,511,000 1 $ 125,000
Foresight Bank
138 WEST BROADWAY
PLAINVIEW, MN 55964
* $ 329,643,000 1 $ 145,000
Pillar Bank
990 MAIN STREET, PO BOX 2060
BALDWIN, WI 54002
* $ 247,492,000 1 $ 205,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ -1,000 1 $ 335,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 205,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 545,000
Cornerstone State Bank
401 4TH ST N W
MONTGOMERY, MN 56069
* $ 227,336,000 1 $ 125,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,740,477,000 1 $ 45,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 155,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ -1,000 1 $ 325,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ 336,354,000 1 $ 145,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 145,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 1 $ 365,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 6,097,782,000 1 $ 195,000
First Western Bank & Trust
900 SOUTH BROADWAY
MINOT, ND 58701
* $ 2,022,880,000 1 $ 245,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 1 $ 175,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 1 $ 235,000
Highland Bank
2100 FORD PKWY
SAINT PAUL, MN 55116
* $ 663,555,000 1 $ 25,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 1 $ 425,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 175,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,895,358,000 1 $ 115,000
Hometown Bank
1600 MONROE DRIVE
CARVER, MN 55315
* $ 539,421,000 1 $ 365,000
First Resource Bank
7449 VILLAGE DRIVE
LINO LAKES, MN 55014
* $ 484,660,000 1 $ 145,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 91,580,361,000 1 $ 155,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ 828,402,000 1 $ 715,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 285,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Blackhawk Community Credit Uni
PO BOX 5366
JANESVILLE, WI 53547
* $ 819,731,000 1 $ 75,000
Abl Rpc Residential Credit Acquisition LLC
30 MONTGOMERY ST STE 150
JERSEY CITY, NJ 07302
* $ -1,000 1 $ 145,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 255,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ -1,000 1 $ 175,000
First National Community Bank
109 E. 2ND ST. PO BOX 89
NEW RICHMOND, WI 54017
* $ 300,835,000 1 $ 325,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ 618,334,000 1 $ 445,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ 431,935,000 1 $ 195,000
Northern State Bank

AURORA, MN 55705
* $ 316,202,000 1 $ 205,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ -1,000 1 $ 145,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 1 $ 205,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 165,000
Great Midwest Bank SSB
15900 W BLUEMOUND RD
BROOKFIELD, WI 53005
* $ 908,733,000 1 $ 95,000
Miners Nb of Eveleth
401 GRANT AVE
EVELETH, MN 55734
* $ 91,913,000 1 $ 265,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 375,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 1,096,108,000 1 $ 85,000
The State Bank of Faribault
428 CENTRAL AVE N
FARIBAULT, MN 55021
* $ 285,774,000 1 $ 305,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 245,000
Northwoods Credit Union
1702 AVE B
CLOQUET, MN 55720
* $ 162,399,000 1 $ 135,000
Premier Bank Minnesota
101 10TH ST E
HASTINGS, MN 55033
* $ 634,388,000 1 $ 235,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 115,000

The tables below break down 2023 mortgage applications in Douglas 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 Douglas County, WI in 2023

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 735 $165,485,000 $225,000 $10,005,000 $104,000 $983,000
Cash-out Refinancing 242 $33,060,000 $136,000 $1,235,000 $99,000 $1,946,000
Home Improvement 232 $12,420,000 $53,000 $225,000 $91,000 $627,000
Other Purpose 163 $10,345,000 $63,000 $425,000 $92,000 $783,000
Refinancing 104 $25,810,000 $248,000 $2,945,000 $128,000 $1,782,000
Not Applicable 5 $535,000 $107,000 $175,000 $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 1,179 $174,075,000 $147,000 $1,525,000 $103,000 $1,946,000
Not applicable 136 $48,810,000 $358,000 $10,005,000 $130,000 $130,000
Not Provided 102 $17,050,000 $167,000 $505,000 $96,000 $360,000
American Indian or Alaskan Native 27 $3,175,000 $117,000 $245,000 $84,000 $216,000
Hispanic 18 $2,710,000 $150,000 $355,000 $86,000 $180,000
Black or African American 9 $755,000 $83,000 $205,000 $85,000 $160,000
Asian 7 $625,000 $89,000 $225,000 $71,000 $122,000
Native Hawaiian or Other Pacific Islander 1 $65,000 $65,000 $65,000 $52,000 $52,000

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) 1,245 $201,155,000 $161,000 $10,005,000 $105,000 $1,946,000
FHA-insured (Federal Housing Administration) 159 $28,445,000 $178,000 $385,000 $76,000 $193,000
VA-guaranteed (Veterans Administration) 70 $16,360,000 $233,000 $435,000 $84,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,695,000 $242,000 $375,000 $83,000 $117,000

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 970 $163,310,000 $168,000 $2,945,000 $106,000 $1,782,000
Application Denied By Financial Institution 189 $20,525,000 $108,000 $655,000 $76,000 $240,000
Application Withdrawn By Applicant 166 $38,150,000 $229,000 $10,005,000 $106,000 $1,946,000
Loan Purchased By The Institution 91 $17,985,000 $197,000 $475,000 $114,000 $247,000
File Closed For Incompleteness 43 $4,535,000 $105,000 $325,000 $92,000 $240,000
Application Approved But Not Accepted 20 $2,790,000 $139,000 $395,000 $77,000 $159,000
Preapproval Approved but not Accepted 1 $185,000 $185,000 $185,000 $84,000 $84,000
Preapproval Denied by Financial Institution 1 $175,000 $175,000 $175,000 $35,000 $35,000

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 1,199 $216,325,000 $180,000 $10,005,000 $104,000 $1,946,000
Debt-To-Income Ratio 150 $17,130,000 $114,000 $655,000 $99,000 $783,000
Credit History 57 $5,885,000 $103,000 $385,000 $77,000 $240,000
Collateral 33 $3,715,000 $112,000 $325,000 $93,000 $200,000
Credit Application Incomplete 16 $2,080,000 $130,000 $425,000 $79,000 $193,000
Other 14 $1,310,000 $93,000 $285,000 $82,000 $138,000
Unverifiable Information 7 $635,000 $90,000 $155,000 $50,000 $110,000
Employment History 3 $375,000 $125,000 $235,000 $35,000 $60,000
Insufficient Cash (Downpayment, Closing Cost) 2 $200,000 $100,000 $105,000 $42,000 $53,000
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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