American Lending Solutions LLC Mortgage Lending & HMDA Data, 2015
In 2015, American Lending Solutions LLC of Columbus, WI reported 2,959 mortgage applications totaling $505.0 million. The average application was for $170,672, and applicants reported an average income of $65,079. 18% of its applications resulted in an originated loan and 82% were denied. Its largest markets were Madison, WI (268), Minneapolis-St. Paul-Bloomington, MN-WI (261) and Warren-Troy-Farmington Hills, MI (216) (applications in parentheses).
| Mortgage Company & Address | American Lending Solutions LLC N4365 State Hwy 73 Columbus, WI 53925 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 2,959 |
| Total Mortgage Loan Application Amount | $505,020,000 |
| Average Mortgage Loan Application Amount | $170,672 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $65,079 |
| Highest Applicant Income | $880,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Lending Solutions LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison, WI | 268 | $ 48,482,000 | $ 180,902 | $ 58,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 261 | $ 54,399,000 | $ 208,425 | $ 75,264 |
| Warren-Troy-Farmington Hills, MI | 216 | $ 40,226,000 | $ 186,231 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 211 | $ 39,672,000 | $ 188,018 | $ 74,000 |
| Chicago-Naperville-Arlington Heights, IL | 193 | $ 41,756,000 | $ 216,352 | $ 72,000 |
| Detroit-Dearborn-Livonia, MI | 129 | $ 15,818,000 | $ 122,620 | $ 51,000 |
| Appleton, WI | 77 | $ 11,039,000 | $ 143,363 | $ 63,000 |
| Hartford-West Hartford-East Hartford, CT | 64 | $ 14,461,000 | $ 225,953 | $ 81,000 |
| Green Bay, WI | 60 | $ 9,159,000 | $ 152,650 | $ 65,000 |
| Janesville-Beloit, WI | 55 | $ 7,436,000 | $ 135,200 | $ 62,000 |
| Oshkosh-Neenah, WI | 46 | $ 5,748,000 | $ 124,956 | $ 50,000 |
| Gary, IN | 38 | $ 6,056,000 | $ 159,368 | $ 68,000 |
| Grand Rapids-Wyoming, MI | 38 | $ 5,243,000 | $ 137,973 | $ 49,000 |
| New Haven-Milford, CT | 38 | $ 7,971,000 | $ 209,763 | $ 86,000 |
| Bridgeport-Stamford-Norwalk, CT | 35 | $ 10,719,000 | $ 306,257 | $ 79,000 |
| Indianapolis-Carmel-Anderson, IN | 35 | $ 5,422,000 | $ 154,914 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 33 | $ 6,142,000 | $ 186,121 | $ 65,090 |
| Wausau, WI | 30 | $ 4,441,000 | $ 148,033 | $ 65,000 |
| Des Moines-West Des Moines, IA | 29 | $ 4,258,000 | $ 146,827 | $ 62,000 |
| Kansas City, MO-KS | 23 | $ 4,111,000 | $ 178,739 | $ 63,000 |
| Ann Arbor, MI | 21 | $ 3,140,000 | $ 149,523 | $ 56,000 |
| Duluth, MN-WI | 21 | $ 2,980,000 | $ 141,904 | $ 51,666 |
| Eau Claire, WI | 21 | $ 3,315,000 | $ 157,857 | $ 50,000 |
| Lansing-East Lansing, MI | 21 | $ 2,840,000 | $ 135,238 | $ 72,000 |
| Racine, WI | 21 | $ 3,384,000 | $ 161,142 | $ 53,000 |
| Flint, MI | 19 | $ 2,742,000 | $ 144,315 | $ 54,000 |
| Elgin, IL | 17 | $ 2,997,000 | $ 176,294 | $ 77,000 |
| St. Cloud, MN | 17 | $ 2,827,000 | $ 166,294 | $ 51,000 |
| Fond Du Lac, WI | 16 | $ 2,230,000 | $ 139,375 | $ 49,000 |
| Sheboygan, WI | 16 | $ 2,771,000 | $ 173,187 | $ 111,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 2,337,000 | $ 166,928 | $ 125,857 |
| South Bend-Mishawaka, IN-MI | 13 | $ 1,389,000 | $ 106,846 | $ 65,076 |
| La Crosse-Onalaska, WI-MN | 12 | $ 2,128,000 | $ 177,333 | $ 101,000 |
| Jackson, MI | 11 | $ 1,476,000 | $ 134,181 | $ 62,000 |
| Kalamazoo-Portage, MI | 11 | $ 1,308,000 | $ 118,909 | $ 41,000 |
| Cedar Rapids, IA | 10 | $ 1,746,000 | $ 174,600 | $ 67,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 1,547,000 | $ 154,700 | $ 57,000 |
| Waterloo-Cedar Falls, IA | 10 | $ 1,318,000 | $ 131,800 | $ 105,000 |
| Battle Creek, MI | 9 | $ 1,164,000 | $ 129,333 | $ 50,000 |
| Monroe, MI | 8 | $ 1,329,000 | $ 166,125 | $ 89,000 |
| Muskegon, MI | 8 | $ 840,000 | $ 105,000 | $ 40,000 |
| Norwich-New London, CT | 8 | $ 1,493,000 | $ 186,625 | $ 47,000 |
| Wichita, KS | 8 | $ 964,000 | $ 120,500 | $ 61,000 |
| Worcester, MA-CT | 8 | $ 1,480,000 | $ 185,000 | $ 68,000 |
| Charleston, WV | 7 | $ 963,000 | $ 137,571 | $ 108,000 |
| Dubuque, IA | 7 | $ 925,000 | $ 132,142 | $ 51,000 |
| Parkersburg-Vienna, WV | 7 | $ 1,705,000 | $ 243,571 | $ 66,000 |
| Rochester, MN | 7 | $ 1,424,000 | $ 203,428 | $ 79,000 |
| Rockford, IL | 7 | $ 1,062,000 | $ 151,714 | $ 84,000 |
| Fort Wayne, IN | 6 | $ 860,000 | $ 143,333 | $ 66,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,106,000 | $ 184,333 | $ 60,000 |
| Mankato-North Mankato, MN | 6 | $ 700,000 | $ 116,666 | $ 26,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,396,000 | $ 232,666 | $ 63,000 |
| Saginaw, MI | 6 | $ 648,000 | $ 108,000 | $ 70,000 |
| Beckley, WV | 5 | $ 854,000 | $ 170,800 | $ 39,000 |
| Cincinnati, OH-KY-IN | 5 | $ 596,000 | $ 119,200 | $ 45,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 837,000 | $ 167,400 | $ 75,000 |
| Evansville, IN-KY | 5 | $ 599,000 | $ 119,800 | $ 47,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 722,000 | $ 144,400 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,154,000 | $ 230,800 | $ 47,000 |
| Ames, IA | 4 | $ 508,000 | $ 127,000 | $ 95,000 |
| Fargo, ND-MN | 4 | $ 520,000 | $ 130,000 | $ 57,000 |
| Lincoln, NE | 4 | $ 766,000 | $ 191,500 | $ 70,000 |
| Topeka, KS | 4 | $ 419,000 | $ 104,750 | $ 70,000 |
| Carbondale-Marion, IL | 3 | $ 280,000 | $ 93,333 | $ 36,000 |
| Cumberland, MD-WV | 3 | $ 437,000 | $ 145,666 | $ 52,000 |
| Elkhart-Goshen, IN | 3 | $ 662,000 | $ 220,666 | $ 62,000 |
| Michigan City-La Porte, IN | 3 | $ 432,000 | $ 144,000 | $ 104,000 |
| Sioux City, IA-NE-SD | 3 | $ 408,000 | $ 136,000 | $ 27,000 |
| St. Louis, MO-IL | 3 | $ 488,000 | $ 162,666 | $ 62,000 |
| Wheeling, WV-OH | 3 | $ 451,000 | $ 150,333 | $ 68,000 |
| Lafayette-West Lafayette, IN | 2 | $ 190,000 | $ 95,000 | $ 47,000 |
| Winchester, VA-WV | 2 | $ 358,000 | $ 179,000 | $ 49,000 |
| Bay City, MI | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Bloomington, IN | 1 | $ 117,000 | $ 117,000 | $ 65,000 |
| Champaign-Urbana, IL | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Grand Forks, ND-MN | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Iowa City, IA | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Lawrence, KS | 1 | $ 280,000 | $ 280,000 | $ 52,000 |
| Manhattan, KS | 1 | $ 189,000 | $ 189,000 | $ 111,000 |
| Midland, MI | 1 | $ 86,000 | $ 86,000 | $ 16,000 |
| Terre Haute, IN | 1 | $ 76,000 | $ 76,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for American Lending Solutions LLC in 2015
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 | 2,659 | $459,008,000 | $172,000 | $1,440,000 | $65,000 | $880,000 |
| Home Purchase | 226 | $34,973,000 | $154,000 | $999,000 | $68,000 | $880,000 |
| Home Improvement | 74 | $11,039,000 | $149,000 | $416,000 | $59,000 | $305,000 |
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 | 2,276 | $390,701,000 | $171,000 | $1,440,000 | $66,000 | $880,000 |
| Black or African American | 404 | $63,458,000 | $157,000 | $525,000 | $57,000 | $312,000 |
| Hispanic | 153 | $25,634,000 | $167,000 | $514,000 | $56,000 | $235,000 |
| Asian | 83 | $18,868,000 | $227,000 | $784,000 | $99,000 | $422,000 |
| American Indian or Alaskan Native | 27 | $4,197,000 | $155,000 | $324,000 | $55,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $2,162,000 | $135,000 | $360,000 | $71,000 | $160,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,755 | $284,061,000 | $161,000 | $967,000 | $57,000 | $305,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 974 | $180,989,000 | $185,000 | $1,440,000 | $81,000 | $880,000 |
| VA-guaranteed (Veterans Administration) | 178 | $32,965,000 | $185,000 | $448,000 | $63,000 | $331,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $7,005,000 | $134,000 | $255,000 | $51,000 | $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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 2,438 | $412,528,000 | $169,000 | $967,000 | $67,000 | $500,000 |
| Loan Originated | 521 | $92,492,000 | $177,000 | $1,440,000 | $55,000 | $880,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Application Incomplete | 1,551 | $265,028,000 | $170,000 | $784,000 | $72,000 | $500,000 |
| Credit History | 482 | $76,723,000 | $159,000 | $967,000 | $58,000 | $296,000 |
| Collateral | 212 | $36,973,000 | $174,000 | $562,000 | $68,000 | $365,000 |
| Debt-To-Income Ratio | 128 | $22,844,000 | $178,000 | $426,000 | $42,000 | $215,000 |
| Other | 44 | $7,154,000 | $162,000 | $463,000 | $67,000 | $207,000 |
| Employment History | 9 | $1,518,000 | $168,000 | $394,000 | $55,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,691,000 | $187,000 | $360,000 | $65,000 | $102,000 |
| Unverifiable Information | 3 | $597,000 | $199,000 | $252,000 | $76,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Lending Solutions LLC's 2015 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 American Lending Solutions LLC'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
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