Altra Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Altra Federal Credit Union 2006 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 | 959 |
| Total Mortgage Loan Application Amount | $98,986,000 |
| Average Mortgage Loan Application Amount | $83,333 |
| Highest Mortgage Loan Application Amount | $640,000 |
| Average Applicant Income | $67,333 |
| Highest Applicant Income | $750,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 411 | $ 44,219,000 | $ 107,000 | $ 66,000 |
| Smith County Texas | 71 | $ 6,098,000 | $ 85,000 | $ 70,000 |
| Montgomery County Tennessee | 62 | $ 5,619,000 | $ 90,000 | $ 60,000 |
| Houston County Minnesota | 60 | $ 7,913,000 | $ 131,000 | $ 60,000 |
| Vernon County Wisconsin | 47 | $ 4,918,000 | $ 104,000 | $ 60,000 |
| Winona County Minnesota | 34 | $ 2,302,000 | $ 67,000 | $ 63,000 |
| Monroe County Wisconsin | 22 | $ 2,304,000 | $ 104,000 | $ 60,000 |
| Trempealeau County Wisconsin | 20 | $ 2,277,000 | $ 113,000 | $ 74,000 |
| Mercer County New Jersey | 13 | $ 219,000 | $ 16,000 | $ 56,000 |
| Buffalo County Wisconsin | 8 | $ 567,000 | $ 70,000 | $ 72,000 |
| Fayette County Kentucky | 5 | $ 308,000 | $ 61,000 | $ 47,000 |
| Stewart County Tennessee | 5 | $ 281,000 | $ 56,000 | $ 49,000 |
| Henderson County Texas | 5 | $ 310,000 | $ 62,000 | $ 75,000 |
| Jackson County Wisconsin | 5 | $ 565,000 | $ 113,000 | $ 57,000 |
| Olmsted County Minnesota | 4 | $ 544,000 | $ 136,000 | $ 86,000 |
| Allamakee County Iowa | 3 | $ 198,000 | $ 66,000 | $ 37,000 |
| Christian County Kentucky | 3 | $ 164,000 | $ 54,000 | $ 39,000 |
| Scott County Kentucky | 3 | $ 100,000 | $ 33,000 | $ 91,000 |
| Cherokee County Texas | 3 | $ 610,000 | $ 203,000 | $ 101,000 |
| Crawford County Wisconsin | 3 | $ 716,000 | $ 238,000 | $ 111,000 |
| Pueblo County Colorado | 2 | $ 48,000 | $ 24,000 | $ 52,000 |
| Hillsborough County Florida | 2 | $ 53,000 | $ 26,000 | $ 65,000 |
| Estill County Kentucky | 2 | $ 51,000 | $ 25,000 | $ 49,000 |
| Webster County Louisiana | 2 | $ 28,000 | $ 14,000 | $ 58,000 |
| Dakota County Minnesota | 2 | $ 382,000 | $ 191,000 | $ 86,000 |
| Fillmore County Minnesota | 2 | $ 271,000 | $ 135,000 | $ 61,000 |
| Ramsey County Minnesota | 2 | $ 341,000 | $ 170,000 | $ 114,000 |
| Davidson County Tennessee | 2 | $ 181,000 | $ 90,000 | $ 105,000 |
| Henry County Tennessee | 2 | $ 197,000 | $ 98,000 | $ 72,000 |
| Gregg County Texas | 2 | $ 86,000 | $ 43,000 | $ 60,000 |
| Barron County Wisconsin | 2 | $ 221,000 | $ 110,000 | $ 55,000 |
| Dane County Wisconsin | 2 | $ 185,000 | $ 92,000 | $ 99,000 |
| Douglas County Wisconsin | 2 | $ 264,000 | $ 132,000 | $ 72,000 |
| Waupaca County Wisconsin | 2 | $ 408,000 | $ 204,000 | $ 62,000 |
| Maricopa County Arizona | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Crawford County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| San Bernardino County California | 1 | $ 12,000 | $ 12,000 | $ 90,000 |
| Jefferson County Colorado | 1 | $ 21,000 | $ 21,000 | $ 75,000 |
| New Castle County Delaware | 1 | $ 15,000 | $ 15,000 | $ 106,000 |
| Broward County Florida | 1 | $ 360,000 | $ 360,000 | $ 140,000 |
| Palm Beach County Florida | 1 | $ 214,000 | $ 214,000 | $ 139,000 |
| Bibb County Georgia | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Burke County Georgia | 1 | $ 71,000 | $ 71,000 | $ 27,000 |
| Gwinnett County Georgia | 1 | $ 18,000 | $ 18,000 | $ 72,000 |
| Jackson County Illinois | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Clayton County Iowa | 1 | $ 30,000 | $ 30,000 | $ 44,000 |
| Johnson County Iowa | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Polk County Iowa | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Boone County Kentucky | 1 | $ 349,000 | $ 349,000 | $ 184,000 |
| Bourbon County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Clark County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Fleming County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 35,000 |
| Garrard County Kentucky | 1 | $ 37,000 | $ 37,000 | $ 94,000 |
| Jessamine County Kentucky | 1 | $ 194,000 | $ 194,000 | $ 58,000 |
| Madison County Kentucky | 1 | $ 103,000 | $ 103,000 | $ 67,000 |
| Mercer County Kentucky | 1 | $ 7,000 | $ 7,000 | $ 35,000 |
| Todd County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 26,000 |
| Caddo County Louisiana | 1 | $ 186,000 | $ 186,000 | $ 75,000 |
| Kent County Michigan | 1 | $ 20,000 | $ 20,000 | $ 750,000 |
| Hennepin County Minnesota | 1 | $ 177,000 | $ 177,000 | $ 55,000 |
| Cape Girardeau County Missouri | 1 | $ 12,000 | $ 12,000 | $ 43,000 |
| St. Charles County Missouri | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| Burlington County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Warren County New Jersey | 1 | $ 19,000 | $ 19,000 | $ 105,000 |
| Franklin County Ohio | 1 | $ 11,000 | $ 11,000 | $ 81,000 |
| Seneca County Ohio | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Le Flore County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 69,000 |
| Bucks County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 71,000 |
| Cheatham County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Robertson County Tennessee | 1 | $ 109,000 | $ 109,000 | $ 46,000 |
| Rutherford County Tennessee | 1 | $ 11,000 | $ 11,000 | $ 42,000 |
| Sequatchie County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Williamson County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 70,000 |
| Bexar County Texas | 1 | $ 93,000 | $ 93,000 | $ 64,000 |
| Brazos County Texas | 1 | $ 117,000 | $ 117,000 | $ 94,000 |
| Burnet County Texas | 1 | $ 94,000 | $ 94,000 | $ 41,000 |
| Collin County Texas | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Dallas County Texas | 1 | $ 3,000 | $ 3,000 | $ 57,000 |
| Denton County Texas | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Harris County Texas | 1 | $ 196,000 | $ 196,000 | $ 113,000 |
| Harrison County Texas | 1 | $ 180,000 | $ 180,000 | $ 99,000 |
| Kaufman County Texas | 1 | $ 29,000 | $ 29,000 | $ 161,000 |
| Rockwall County Texas | 1 | $ 238,000 | $ 238,000 | $ 168,000 |
| Tarrant County Texas | 1 | $ 119,000 | $ 119,000 | $ 46,000 |
| Travis County Texas | 1 | $ 320,000 | $ 320,000 | $ 126,000 |
| Van Zandt County Texas | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Salt Lake County Utah | 1 | $ 20,000 | $ 20,000 | $ 110,000 |
| Kanawha County West Virginia | 1 | $ 37,000 | $ 37,000 | $ 56,000 |
| Chippewa County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Eau Claire County Wisconsin | 1 | $ 302,000 | $ 302,000 | $ 67,000 |
| Juneau County Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 40,000 |
| Milwaukee County Wisconsin | 1 | $ 139,000 | $ 139,000 | $ 57,000 |
| Oneida County Wisconsin | 1 | $ 32,000 | $ 32,000 | $ 58,000 |
| Outagamie County Wisconsin | 1 | $ 99,000 | $ 99,000 | $ 83,000 |
| Polk County Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 45,000 |
| Portage County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 61,000 |
| Rusk County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Altra Federal Credit Union in 2006
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 | 442 | $51,146,000 | $115,000 | $640,000 | $66,000 | $240,000 |
| Home Purchase | 393 | $45,264,000 | $115,000 | $400,000 | $63,000 | $410,000 |
| Home Improvement | 124 | $2,576,000 | $20,000 | $88,000 | $73,000 | $750,000 |
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 | 844 | $88,260,000 | $104,000 | $640,000 | $67,000 | $750,000 |
| Black or African American | 41 | $2,556,000 | $62,000 | $361,000 | $60,000 | $337,000 |
| Not Provided | 32 | $3,359,000 | $104,000 | $200,000 | $51,000 | $85,000 |
| Hispanic | 22 | $1,880,000 | $85,000 | $204,000 | $51,000 | $136,000 |
| Asian | 15 | $2,304,000 | $153,000 | $300,000 | $78,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $533,000 | $177,000 | $226,000 | $75,000 | $88,000 |
| American Indian or Alaskan Native | 2 | $94,000 | $47,000 | $72,000 | $65,000 | $96,000 |
| Not applicable | 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) | 953 | $98,215,000 | $103,000 | $640,000 | $66,000 | $750,000 |
| VA-guaranteed (Veterans Administration) | 6 | $771,000 | $128,000 | $179,000 | $55,000 | $64,000 |
| 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 | 767 | $78,778,000 | $102,000 | $640,000 | $69,000 | $750,000 |
| Application Withdrawn By Applicant | 112 | $14,630,000 | $130,000 | $361,000 | $63,000 | $337,000 |
| Application Denied By Financial Institution | 58 | $4,906,000 | $84,000 | $189,000 | $37,000 | $92,000 |
| File Closed For Incompleteness | 12 | $319,000 | $26,000 | $73,000 | $54,000 | $85,000 |
| Application Approved But Not Accepted | 9 | $218,000 | $24,000 | $52,000 | $58,000 | $106,000 |
| Loan Purchased By The Institution | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 23 | $2,127,000 | $92,000 | $143,000 | $42,000 | $81,000 |
| Debt-To-Income Ratio | 21 | $1,823,000 | $86,000 | $189,000 | $26,000 | $60,000 |
| Collateral | 3 | $397,000 | $132,000 | $158,000 | $66,000 | $72,000 |
| Other | 2 | $125,000 | $62,000 | $65,000 | $30,000 | $38,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2006 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.