Altra Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010

Altra Federal Credit Union 2010 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 2,861
Total Mortgage Loan Application Amount $379,391,000
Average Mortgage Loan Application Amount $102,333
Highest Mortgage Loan Application Amount $1,400,000
Average Applicant Income $77,666
Highest Applicant Income $1,020,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.

Mortgage Loan Application Totals for Altra Federal Credit Union by County in 2010

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 1,535 $ 201,898,000 $ 131,000 $ 79,000
Smith County Texas 244 $ 33,184,000 $ 136,000 $ 102,000
Montgomery County Tennessee 155 $ 16,635,000 $ 107,000 $ 66,000
Houston County Minnesota 154 $ 22,021,000 $ 142,000 $ 75,000
Winona County Minnesota 148 $ 17,219,000 $ 116,000 $ 69,000
Vernon County Wisconsin 103 $ 13,558,000 $ 131,000 $ 79,000
Trempealeau County Wisconsin 58 $ 7,632,000 $ 131,000 $ 70,000
Monroe County Wisconsin 41 $ 5,574,000 $ 135,000 $ 74,000
Cherokee County Texas 22 $ 2,867,000 $ 130,000 $ 98,000
Fayette County Kentucky 16 $ 1,425,000 $ 89,000 $ 64,000
Buffalo County Wisconsin 15 $ 1,439,000 $ 95,000 $ 77,000
Pueblo County Colorado 10 $ 1,314,000 $ 131,000 $ 87,000
Van Zandt County Texas 10 $ 993,000 $ 99,000 $ 101,000
Jackson County Wisconsin 10 $ 1,448,000 $ 144,000 $ 71,000
Fillmore County Minnesota 9 $ 1,006,000 $ 111,000 $ 95,000
Allamakee County Iowa 8 $ 994,000 $ 124,000 $ 55,000
Hennepin County Minnesota 8 $ 2,487,000 $ 310,000 $ 155,000
Stewart County Tennessee 8 $ 794,000 $ 99,000 $ 43,000
Henderson County Texas 8 $ 860,000 $ 107,000 $ 55,000
Tarrant County Texas 8 $ 1,368,000 $ 171,000 $ 135,000
Dane County Wisconsin 8 $ 1,441,000 $ 180,000 $ 99,000
Juneau County Wisconsin 8 $ 1,010,000 $ 126,000 $ 133,000
Olmsted County Minnesota 7 $ 790,000 $ 112,000 $ 81,000
Jessamine County Kentucky 6 $ 436,000 $ 72,000 $ 47,000
Dakota County Minnesota 6 $ 1,386,000 $ 231,000 $ 111,000
Ramsey County Minnesota 6 $ 963,000 $ 160,000 $ 120,000
Milwaukee County Wisconsin 6 $ 773,000 $ 128,000 $ 86,000
Eau Claire County Wisconsin 5 $ 584,000 $ 116,000 $ 76,000
Sebastian County Arkansas 4 $ 383,000 $ 95,000 $ 78,000
Anoka County Minnesota 4 $ 900,000 $ 225,000 $ 108,000
Mercer County New Jersey 4 $ 86,000 $ 21,000 $ 62,000
Harris County Texas 4 $ 983,000 $ 245,000 $ 161,000
Rusk County Texas 4 $ 610,000 $ 152,000 $ 112,000
Chippewa County Wisconsin 4 $ 279,000 $ 69,000 $ 58,000
Columbia County Wisconsin 4 $ 370,000 $ 92,000 $ 67,000
Crawford County Wisconsin 4 $ 251,000 $ 62,000 $ 65,000
Washington County Arkansas 3 $ 223,000 $ 74,000 $ 114,000
Summit County Colorado 3 $ 947,000 $ 315,000 $ 288,000
Hillsborough County Florida 3 $ 1,140,000 $ 380,000 $ 173,000
Lee County Florida 3 $ 252,000 $ 84,000 $ 116,000
Cook County Illinois 3 $ 470,000 $ 156,000 $ 95,000
Scott County Iowa 3 $ 740,000 $ 246,000 $ 162,000
Scott County Kentucky 3 $ 175,000 $ 58,000 $ 93,000
Shelby County Kentucky 3 $ 565,000 $ 188,000 $ 63,000
Le Flore County Oklahoma 3 $ 309,000 $ 103,000 $ 45,000
Davidson County Tennessee 3 $ 212,000 $ 70,000 $ 96,000
Henry County Tennessee 3 $ 198,000 $ 66,000 $ 67,000
Houston County Tennessee 3 $ 239,000 $ 79,000 $ 78,000
Wilson County Tennessee 3 $ 812,000 $ 270,000 $ 73,000
Anderson County Texas 3 $ 572,000 $ 190,000 $ 120,000
Gregg County Texas 3 $ 326,000 $ 108,000 $ 67,000
McLennan County Texas 3 $ 362,000 $ 120,000 $ 81,000
Wood County Texas 3 $ 285,000 $ 95,000 $ 93,000
Douglas County Wisconsin 3 $ 428,000 $ 142,000 $ 79,000
Pierce County Wisconsin 3 $ 781,000 $ 260,000 $ 0
St. Croix County Wisconsin 3 $ 703,000 $ 234,000 $ 73,000
Washington County Wisconsin 3 $ 371,000 $ 123,000 $ 110,000
Waukesha County Wisconsin 3 $ 496,000 $ 165,000 $ 83,000
Bay County Florida 2 $ 298,000 $ 149,000 $ 135,000
Pinellas County Florida 2 $ 1,808,000 $ 904,000 $ 531,000
Sarasota County Florida 2 $ 281,000 $ 140,000 $ 61,000
Cerro Gordo County Iowa 2 $ 123,000 $ 61,000 $ 50,000
Clayton County Iowa 2 $ 360,000 $ 180,000 $ 88,000
Des Moines County Iowa 2 $ 168,000 $ 84,000 $ 68,000
Woodbury County Iowa 2 $ 256,000 $ 128,000 $ 91,000
Clark County Kentucky 2 $ 199,000 $ 99,000 $ 70,000
Estill County Kentucky 2 $ 79,000 $ 39,000 $ 58,000
Floyd County Kentucky 2 $ 106,000 $ 53,000 $ 69,000
Jefferson County Kentucky 2 $ 216,000 $ 108,000 $ 63,000
Madison County Kentucky 2 $ 241,000 $ 120,000 $ 54,000
Montgomery County Kentucky 2 $ 179,000 $ 89,000 $ 48,000
Rockcastle County Kentucky 2 $ 183,000 $ 91,000 $ 42,000
Woodford County Kentucky 2 $ 260,000 $ 130,000 $ 141,000
Itasca County Minnesota 2 $ 1,308,000 $ 654,000 $ 235,000
Wabasha County Minnesota 2 $ 346,000 $ 173,000 $ 53,000
Washington County Minnesota 2 $ 349,000 $ 174,000 $ 72,000
Williamson County Tennessee 2 $ 353,000 $ 176,000 $ 126,000
Bexar County Texas 2 $ 200,000 $ 100,000 $ 234,000
Camp County Texas 2 $ 146,000 $ 73,000 $ 89,000
Navarro County Texas 2 $ 117,000 $ 58,000 $ 64,000
Barron County Wisconsin 2 $ 506,000 $ 253,000 $ 284,000
Bayfield County Wisconsin 2 $ 274,000 $ 137,000 $ 87,000
Marathon County Wisconsin 2 $ 202,000 $ 101,000 $ 100,000
Sawyer County Wisconsin 2 $ 306,000 $ 153,000 $ 125,000
Crawford County Arkansas 1 $ 130,000 $ 130,000 $ 144,000
Saline County Arkansas 1 $ 130,000 $ 130,000 $ 32,000
Los Angeles County California 1 $ 65,000 $ 65,000 $ 101,000
Boulder County Colorado 1 $ 280,000 $ 280,000 $ 118,000
Broomfield County Colorado 1 $ 239,000 $ 239,000 $ 151,000
Eagle County Colorado 1 $ 800,000 $ 800,000 $ 791,000
Grand County Colorado 1 $ 382,000 $ 382,000 $ 175,000
Teller County Colorado 1 $ 84,000 $ 84,000 $ 51,000
Alachua County Florida 1 $ 413,000 $ 413,000 $ 180,000
Broward County Florida 1 $ 680,000 $ 680,000 $ 278,000
Charlotte County Florida 1 $ 139,000 $ 139,000 $ 88,000
Miami-Dade County Florida 1 $ 352,000 $ 352,000 $ 315,000
Orange County Florida 1 $ 212,000 $ 212,000 $ 103,000
Cobb County Georgia 1 $ 417,000 $ 417,000 $ 1,020,000
Paulding County Georgia 1 $ 242,000 $ 242,000 $ 88,000
Toombs County Georgia 1 $ 7,000 $ 7,000 $ 53,000
Adams County Illinois 1 $ 92,000 $ 92,000 $ 79,000
Kendall County Illinois 1 $ 252,000 $ 252,000 $ 164,000
Madison County Illinois 1 $ 95,000 $ 95,000 $ 46,000
Boone County Iowa 1 $ 37,000 $ 37,000 $ 17,000
Clarke County Iowa 1 $ 100,000 $ 100,000 $ 40,000
Polk County Iowa 1 $ 157,000 $ 157,000 $ 116,000
Pottawattamie County Iowa 1 $ 199,000 $ 199,000 $ 82,000
Winneshiek County Iowa 1 $ 105,000 $ 105,000 $ 46,000
Anderson County Kentucky 1 $ 44,000 $ 44,000 $ 31,000
Bourbon County Kentucky 1 $ 40,000 $ 40,000 $ 39,000
Campbell County Kentucky 1 $ 160,000 $ 160,000 $ 121,000
Christian County Kentucky 1 $ 93,000 $ 93,000 $ 64,000
Franklin County Kentucky 1 $ 137,000 $ 137,000 $ 113,000
Garrard County Kentucky 1 $ 30,000 $ 30,000 $ 30,000
Johnson County Kentucky 1 $ 10,000 $ 10,000 $ 72,000
Lincoln County Kentucky 1 $ 91,000 $ 91,000 $ 53,000
Meade County Kentucky 1 $ 139,000 $ 139,000 $ 38,000
Nicholas County Kentucky 1 $ 122,000 $ 122,000 $ 67,000
Todd County Kentucky 1 $ 65,000 $ 65,000 $ 27,000
East Baton Rouge County Louisiana 1 $ 218,000 $ 218,000 $ 135,000
Lafayette County Louisiana 1 $ 109,000 $ 109,000 $ 26,000
Webster County Louisiana 1 $ 71,000 $ 71,000 $ 97,000
Dodge County Minnesota 1 $ 41,000 $ 41,000 $ 47,000
Marshall County Minnesota 1 $ 76,000 $ 76,000 $ 54,000
Mille Lacs County Minnesota 1 $ 220,000 $ 220,000 $ 65,000
Mower County Minnesota 1 $ 123,000 $ 123,000 $ 82,000
Wright County Minnesota 1 $ 237,000 $ 237,000 $ 84,000
Ontario County New York 1 $ 17,000 $ 17,000 $ 58,000
Cass County North Dakota 1 $ 52,000 $ 52,000 $ 120,000
McClain County Oklahoma 1 $ 177,000 $ 177,000 $ 118,000
Muskogee County Oklahoma 1 $ 152,000 $ 152,000 $ 84,000
Sequoyah County Oklahoma 1 $ 67,000 $ 67,000 $ 21,000
Wagoner County Oklahoma 1 $ 265,000 $ 265,000 $ 120,000
Beaver County Pennsylvania 1 $ 40,000 $ 40,000 $ 79,000
Carbon County Pennsylvania 1 $ 35,000 $ 35,000 $ 76,000
Monroe County Pennsylvania 1 $ 69,000 $ 69,000 $ 192,000
Cheatham County Tennessee 1 $ 95,000 $ 95,000 $ 28,000
Dickson County Tennessee 1 $ 164,000 $ 164,000 $ 77,000
Marshall County Tennessee 1 $ 90,000 $ 90,000 $ 58,000
Maury County Tennessee 1 $ 118,000 $ 118,000 $ 87,000
Robertson County Tennessee 1 $ 120,000 $ 120,000 $ 47,000
Sequatchie County Tennessee 1 $ 182,000 $ 182,000 $ 80,000
Shelby County Tennessee 1 $ 36,000 $ 36,000 $ 22,000
Aransas County Texas 1 $ 103,000 $ 103,000 $ 125,000
Brazoria County Texas 1 $ 122,000 $ 122,000 $ 18,000
Collin County Texas 1 $ 137,000 $ 137,000 $ 786,000
Fort Bend County Texas 1 $ 222,000 $ 222,000 $ 76,000
Harrison County Texas 1 $ 222,000 $ 222,000 $ 95,000
Haskell County Texas 1 $ 85,000 $ 85,000 $ 38,000
Houston County Texas 1 $ 38,000 $ 38,000 $ 19,000
Johnson County Texas 1 $ 134,000 $ 134,000 $ 141,000
Montgomery County Texas 1 $ 540,000 $ 540,000 $ 200,000
Nueces County Texas 1 $ 111,000 $ 111,000 $ 129,000
Panola County Texas 1 $ 200,000 $ 200,000 $ 78,000
Polk County Texas 1 $ 29,000 $ 29,000 $ 274,000
San Jacinto County Texas 1 $ 234,000 $ 234,000 $ 92,000
Taylor County Texas 1 $ 151,000 $ 151,000 $ 35,000
Travis County Texas 1 $ 240,000 $ 240,000 $ 76,000
Brown County Wisconsin 1 $ 135,000 $ 135,000 $ 73,000
Burnett County Wisconsin 1 $ 102,000 $ 102,000 $ 14,000
Clark County Wisconsin 1 $ 197,000 $ 197,000 $ 101,000
Dodge County Wisconsin 1 $ 68,000 $ 68,000 $ 83,000
Jefferson County Wisconsin 1 $ 225,000 $ 225,000 $ 152,000
Kenosha County Wisconsin 1 $ 200,000 $ 200,000 $ 59,000
Manitowoc County Wisconsin 1 $ 53,000 $ 53,000 $ 89,000
Marquette County Wisconsin 1 $ 132,000 $ 132,000 $ 52,000
Menominee County Wisconsin 1 $ 52,000 $ 52,000 $ 64,000
Oneida County Wisconsin 1 $ 202,000 $ 202,000 $ 186,000
Racine County Wisconsin 1 $ 160,000 $ 160,000 $ 140,000
Rusk County Wisconsin 1 $ 240,000 $ 240,000 $ 70,000
Waupaca County Wisconsin 1 $ 161,000 $ 161,000 $ 150,000
Waushara County Wisconsin 1 $ 124,000 $ 124,000 $ 73,000
Wood County Wisconsin 1 $ 27,000 $ 27,000 $ 74,000

Mortgage Loan Application Detail Totals for Altra Federal Credit Union in 2010

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 2,207 $305,120,000 $138,000 $1,400,000 $85,000 $1,020,000
Home Purchase 535 $69,552,000 $130,000 $800,000 $73,000 $791,000
Home Improvement 119 $4,719,000 $39,000 $171,000 $75,000 $396,000

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 2,630 $347,499,000 $132,000 $1,400,000 $82,000 $905,000
Not Provided 92 $13,028,000 $141,000 $337,000 $89,000 $212,000
Black or African American 45 $5,778,000 $128,000 $417,000 $95,000 $1,020,000
Hispanic 40 $4,123,000 $103,000 $680,000 $66,000 $278,000
Asian 39 $5,467,000 $140,000 $345,000 $82,000 $394,000
American Indian or Alaskan Native 6 $1,079,000 $179,000 $280,000 $101,000 $202,000
Not applicable 5 $1,831,000 $366,000 $931,000 $0 $0
Native Hawaiian or Other Pacific Islander 4 $586,000 $146,000 $254,000 $91,000 $138,000

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) 2,818 $373,159,000 $132,000 $1,400,000 $82,000 $905,000
FHA-insured (Federal Housing Administration) 29 $3,778,000 $130,000 $417,000 $90,000 $1,020,000
VA-guaranteed (Veterans Administration) 14 $2,454,000 $175,000 $300,000 $66,000 $142,000
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 2,224 $293,456,000 $131,000 $931,000 $84,000 $803,000
Application Withdrawn By Applicant 497 $70,623,000 $142,000 $1,400,000 $83,000 $1,020,000
Application Denied By Financial Institution 112 $13,561,000 $121,000 $463,000 $59,000 $260,000
File Closed For Incompleteness 27 $1,631,000 $60,000 $250,000 $76,000 $148,000
Loan Purchased By The Institution 1 $120,000 $120,000 $120,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
Application 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
Credit History 31 $3,626,000 $116,000 $356,000 $58,000 $117,000
Debt-To-Income Ratio 31 $5,473,000 $176,000 $463,000 $47,000 $95,000
Collateral 16 $2,230,000 $139,000 $288,000 $67,000 $135,000
Insufficient Cash (Downpayment, Closing Cost) 4 $896,000 $224,000 $455,000 $92,000 $181,000
Unverifiable Information 3 $187,000 $62,000 $77,000 $60,000 $113,000
Other 1 $160,000 $160,000 $160,000 $45,000 $45,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Altra Federal Credit Union's 2010 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.
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