Altra Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Altra Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Altra Federal Credit Union 1700 Oak Forest Drive Onalaska, WI 54650 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,538 |
| Total Mortgage Loan Application Amount | $230,151,000 |
| Average Mortgage Loan Application Amount | $65,625 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $67,571 |
| Highest Applicant Income | $814,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Altra Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Altra Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Altra Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Altra Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Altra Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Altra Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| La Crosse County Wisconsin | 1,274 | $ 121,006,000 | $ 94,000 | $ 58,000 |
| Smith County Texas | 148 | $ 13,422,000 | $ 90,000 | $ 64,000 |
| Houston County Minnesota | 140 | $ 14,866,000 | $ 106,000 | $ 61,000 |
| Montgomery County Tennessee | 128 | $ 10,344,000 | $ 80,000 | $ 51,000 |
| Vernon County Wisconsin | 123 | $ 11,219,000 | $ 91,000 | $ 49,000 |
| Trempealeau County Wisconsin | 36 | $ 3,311,000 | $ 91,000 | $ 51,000 |
| Fayette County Kentucky | 27 | $ 2,288,000 | $ 84,000 | $ 65,000 |
| Winona County Minnesota | 24 | $ 1,214,000 | $ 50,000 | $ 62,000 |
| Sebastian County Arkansas | 10 | $ 508,000 | $ 50,000 | $ 56,000 |
| Fillmore County Minnesota | 9 | $ 911,000 | $ 101,000 | $ 61,000 |
| Ramsey County Minnesota | 9 | $ 782,000 | $ 86,000 | $ 84,000 |
| Mercer County New Jersey | 9 | $ 268,000 | $ 29,000 | $ 60,000 |
| Crawford County Wisconsin | 9 | $ 507,000 | $ 56,000 | $ 47,000 |
| Monroe County Wisconsin | 9 | $ 383,000 | $ 42,000 | $ 133,000 |
| Jackson County Wisconsin | 7 | $ 607,000 | $ 86,000 | $ 50,000 |
| Bourbon County Kentucky | 6 | $ 403,000 | $ 67,000 | $ 58,000 |
| Scott County Kentucky | 6 | $ 599,000 | $ 99,000 | $ 82,000 |
| Allamakee County Iowa | 5 | $ 490,000 | $ 98,000 | $ 48,000 |
| Buffalo County Wisconsin | 5 | $ 467,000 | $ 93,000 | $ 45,000 |
| Clark County Kentucky | 4 | $ 577,000 | $ 144,000 | $ 80,000 |
| Madison County Kentucky | 4 | $ 278,000 | $ 69,000 | $ 56,000 |
| Rockcastle County Kentucky | 4 | $ 154,000 | $ 38,000 | $ 34,000 |
| Burlington County New Jersey | 4 | $ 166,000 | $ 41,000 | $ 80,000 |
| Bucks County Pennsylvania | 4 | $ 227,000 | $ 56,000 | $ 65,000 |
| Kaufman County Texas | 4 | $ 524,000 | $ 131,000 | $ 74,000 |
| Columbia County Arkansas | 3 | $ 344,000 | $ 114,000 | $ 69,000 |
| Jessamine County Kentucky | 3 | $ 284,000 | $ 94,000 | $ 46,000 |
| Anoka County Minnesota | 3 | $ 304,000 | $ 101,000 | $ 65,000 |
| Washington County Minnesota | 3 | $ 328,000 | $ 109,000 | $ 84,000 |
| Rutherford County Tennessee | 3 | $ 169,000 | $ 56,000 | $ 53,000 |
| Stewart County Tennessee | 3 | $ 150,000 | $ 50,000 | $ 60,000 |
| Williamson County Tennessee | 3 | $ 491,000 | $ 163,000 | $ 81,000 |
| Denton County Texas | 3 | $ 444,000 | $ 148,000 | $ 102,000 |
| Fort Bend County Texas | 3 | $ 317,000 | $ 105,000 | $ 72,000 |
| Gregg County Texas | 3 | $ 120,000 | $ 40,000 | $ 46,000 |
| Chippewa County Wisconsin | 3 | $ 204,000 | $ 68,000 | $ 75,000 |
| Milwaukee County Wisconsin | 3 | $ 380,000 | $ 126,000 | $ 78,000 |
| Sawyer County Wisconsin | 3 | $ 218,000 | $ 72,000 | $ 80,000 |
| Pueblo County Colorado | 2 | $ 43,000 | $ 21,000 | $ 69,000 |
| Lake County Florida | 2 | $ 50,000 | $ 25,000 | $ 59,000 |
| Bibb County Georgia | 2 | $ 189,000 | $ 94,000 | $ 116,000 |
| Estill County Kentucky | 2 | $ 97,000 | $ 48,000 | $ 54,000 |
| Nicholas County Kentucky | 2 | $ 275,000 | $ 137,000 | $ 48,000 |
| Todd County Kentucky | 2 | $ 99,000 | $ 49,000 | $ 28,000 |
| Trigg County Kentucky | 2 | $ 201,000 | $ 100,000 | $ 70,000 |
| Woodford County Kentucky | 2 | $ 245,000 | $ 122,000 | $ 122,000 |
| Dakota County Minnesota | 2 | $ 77,000 | $ 38,000 | $ 171,000 |
| Somerset County New Jersey | 2 | $ 186,000 | $ 93,000 | $ 104,000 |
| Onondaga County New York | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Gaston County North Carolina | 2 | $ 29,000 | $ 14,000 | $ 91,000 |
| Cheatham County Tennessee | 2 | $ 171,000 | $ 85,000 | $ 68,000 |
| Davidson County Tennessee | 2 | $ 156,000 | $ 78,000 | $ 73,000 |
| Houston County Tennessee | 2 | $ 244,000 | $ 122,000 | $ 61,000 |
| Coryell County Texas | 2 | $ 123,000 | $ 61,000 | $ 54,000 |
| Harris County Texas | 2 | $ 146,000 | $ 73,000 | $ 70,000 |
| Henderson County Texas | 2 | $ 47,000 | $ 23,000 | $ 48,000 |
| Wood County Texas | 2 | $ 60,000 | $ 30,000 | $ 62,000 |
| Adams County Wisconsin | 2 | $ 148,000 | $ 74,000 | $ 105,000 |
| Dane County Wisconsin | 2 | $ 277,000 | $ 138,000 | $ 66,000 |
| Douglas County Wisconsin | 2 | $ 252,000 | $ 126,000 | $ 67,000 |
| Eau Claire County Wisconsin | 2 | $ 134,000 | $ 67,000 | $ 38,000 |
| Richland County Wisconsin | 2 | $ 173,000 | $ 86,000 | $ 57,000 |
| Wood County Wisconsin | 2 | $ 158,000 | $ 79,000 | $ 184,000 |
| Pulaski County Arkansas | 1 | $ 59,000 | $ 59,000 | $ 47,000 |
| Saline County Arkansas | 1 | $ 112,000 | $ 112,000 | $ 73,000 |
| Los Angeles County California | 1 | $ 27,000 | $ 27,000 | $ 26,000 |
| San Diego County California | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Douglas County Colorado | 1 | $ 9,000 | $ 9,000 | $ 116,000 |
| Rio Grande County Colorado | 1 | $ 53,000 | $ 53,000 | $ 17,000 |
| New Castle County Delaware | 1 | $ 51,000 | $ 51,000 | $ 75,000 |
| Broward County Florida | 1 | $ 23,000 | $ 23,000 | $ 100,000 |
| Charlotte County Florida | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Hernando County Florida | 1 | $ 23,000 | $ 23,000 | $ 35,000 |
| Marion County Florida | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Miami-Dade County Florida | 1 | $ 90,000 | $ 90,000 | $ 80,000 |
| Orange County Florida | 1 | $ 239,000 | $ 239,000 | $ 74,000 |
| Osceola County Florida | 1 | $ 74,000 | $ 74,000 | $ 87,000 |
| Palm Beach County Florida | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Pinellas County Florida | 1 | $ 22,000 | $ 22,000 | $ 50,000 |
| DeKalb County Georgia | 1 | $ 8,000 | $ 8,000 | $ 35,000 |
| DuPage County Illinois | 1 | $ 90,000 | $ 90,000 | $ 146,000 |
| Madison County Illinois | 1 | $ 33,000 | $ 33,000 | $ 35,000 |
| Wayne County Indiana | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Hamilton County Iowa | 1 | $ 250,000 | $ 250,000 | $ 240,000 |
| Johnson County Iowa | 1 | $ 184,000 | $ 184,000 | $ 41,000 |
| Polk County Iowa | 1 | $ 13,000 | $ 13,000 | $ 108,000 |
| Boyle County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 32,000 |
| Bullitt County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 21,000 |
| Christian County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 43,000 |
| Floyd County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Garrard County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Harrison County Kentucky | 1 | $ 143,000 | $ 143,000 | $ 75,000 |
| Jefferson County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 40,000 |
| Johnson County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 59,000 |
| Montgomery County Kentucky | 1 | $ 16,000 | $ 16,000 | $ 47,000 |
| Wayne County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Bossier County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Baltimore City County Maryland | 1 | $ 44,000 | $ 44,000 | $ 40,000 |
| Livingston County Michigan | 1 | $ 20,000 | $ 20,000 | $ 63,000 |
| Dodge County Minnesota | 1 | $ 79,000 | $ 79,000 | $ 82,000 |
| Hennepin County Minnesota | 1 | $ 83,000 | $ 83,000 | $ 72,000 |
| Isanti County Minnesota | 1 | $ 123,000 | $ 123,000 | $ 44,000 |
| Nicollet County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Wabasha County Minnesota | 1 | $ 34,000 | $ 34,000 | $ 47,000 |
| Rankin County Mississippi | 1 | $ 109,000 | $ 109,000 | $ 73,000 |
| Clark County Nevada | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Gloucester County New Jersey | 1 | $ 27,000 | $ 27,000 | $ 84,000 |
| Middlesex County New Jersey | 1 | $ 8,000 | $ 8,000 | $ 38,000 |
| Warren County New Jersey | 1 | $ 8,000 | $ 8,000 | $ 52,000 |
| Sandoval County New Mexico | 1 | $ 44,000 | $ 44,000 | $ 89,000 |
| Erie County New York | 1 | $ 34,000 | $ 34,000 | $ 22,000 |
| Oswego County New York | 1 | $ 42,000 | $ 42,000 | $ 59,000 |
| Guilford County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 106,000 |
| Polk County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 60,000 |
| Portage County Ohio | 1 | $ 4,000 | $ 4,000 | $ 70,000 |
| Wyandot County Ohio | 1 | $ 10,000 | $ 10,000 | $ 164,000 |
| Le Flore County Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 47,000 |
| Multnomah County Oregon | 1 | $ 18,000 | $ 18,000 | $ 82,000 |
| Chester County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 72,000 |
| Humphreys County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Robertson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Collin County Texas | 1 | $ 162,000 | $ 162,000 | $ 153,000 |
| Falls County Texas | 1 | $ 53,000 | $ 53,000 | $ 64,000 |
| Montgomery County Texas | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Nueces County Texas | 1 | $ 40,000 | $ 40,000 | $ 118,000 |
| Van Zandt County Texas | 1 | $ 21,000 | $ 21,000 | $ 43,000 |
| Hanover County Virginia | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Clark County Washington | 1 | $ 68,000 | $ 68,000 | $ 64,000 |
| Monongalia County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 34,000 |
| Ashland County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
| Brown County Wisconsin | 1 | $ 69,000 | $ 69,000 | $ 44,000 |
| Burnett County Wisconsin | 1 | $ 117,000 | $ 117,000 | $ 87,000 |
| Clark County Wisconsin | 1 | $ 7,000 | $ 7,000 | $ 49,000 |
| Dodge County Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 69,000 |
| Juneau County Wisconsin | 1 | $ 91,000 | $ 91,000 | $ 156,000 |
| Kenosha County Wisconsin | 1 | $ 11,000 | $ 11,000 | $ 49,000 |
| Lafayette County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Langlade County Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Pepin County Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 42,000 |
| Racine County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Washburn County Wisconsin | 1 | $ 101,000 | $ 101,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Altra Federal Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 2,028 | $182,626,000 | $67,000 | $650,000 | $67,677 | $561,000 |
| Home Purchase (one-to-four family) | 347 | $33,046,000 | $120,000 | $1,125,000 | $59,500 | $814,000 |
| Home Improvement (one-to-four family) | 163 | $14,479,000 | $37,529 | $700,000 | $71,176 | $400,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 2,313 | $210,322,000 | $62,468 | $1,125,000 | $67,343 | $814,000 |
| Information not provided by applicant in mail or telephone application | 127 | $11,986,000 | $90,750 | $250,000 | $56,875 | $370,000 |
| Black | 32 | $2,004,000 | $56,333 | $194,000 | $55,333 | $140,000 |
| Not applicable | 25 | $2,238,000 | $55,500 | $239,000 | $63,500 | $119,000 |
| Asian or Pacific Islander | 22 | $2,204,000 | $92,000 | $190,000 | $56,250 | $105,000 |
| Other | 10 | $677,000 | $58,200 | $210,000 | $48,000 | $102,000 |
| Hispanic | 6 | $521,000 | $74,750 | $188,000 | $50,500 | $126,000 |
| American Indian or Alaskan Native | 3 | $199,000 | $52,500 | $114,000 | $49,500 | $61,000 |
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) | 2,527 | $228,842,000 | $62,468 | $1,125,000 | $67,125 | $814,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,309,000 | $138,000 | $221,000 | $52,500 | $78,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,286 | $201,759,000 | $58,200 | $1,125,000 | $69,166 | $814,000 |
| Application Withdrawn By Applicant | 201 | $24,149,000 | $92,300 | $700,000 | $52,200 | $316,000 |
| Application Denied By Financial Institution | 47 | $3,902,000 | $63,000 | $195,000 | $51,714 | $184,000 |
| File Closed For Incompleteness | 4 | $341,000 | $90,000 | $160,000 | $38,666 | $55,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 25 | $1,819,000 | $67,000 | $116,000 | $48,666 | $90,000 |
| Debt-To-Income Ratio | 13 | $1,201,000 | $73,800 | $195,000 | $61,800 | $184,000 |
| Collateral | 6 | $569,000 | $94,000 | $123,000 | $47,000 | $63,000 |
| Mortgage Insurance Denied | 1 | $116,000 | $116,000 | $116,000 | $49,000 | $49,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $50,000 | $50,000 |
| Employment History | 1 | $112,000 | $112,000 | $112,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Altra Federal Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Altra Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.