American National Bank Fox Cities Mortgage Lending & HMDA Data, 2015

In 2015, American National Bank Fox Cities of Appleton, WI reported 89 mortgage applications totaling $14.9 million, down 22% from 2014. The average application was for $167,494, and applicants reported an average income of $117,303. 89% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Appleton, WI (55), Oshkosh-Neenah, WI (19) and Green Bay, WI (1) (applications in parentheses).

Mortgage Company & Address American National Bank Fox Cities
2200 N Richmond St
Appleton, WI 54911
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 89
Total Mortgage Loan Application Amount $14,907,000
Average Mortgage Loan Application Amount $167,494
Highest Mortgage Loan Application Amount $417,000
Average Applicant Income $117,303
Highest Applicant Income $1,010,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American National Bank Fox Cities filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for American National Bank Fox Cities by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Outagamie, Wisconsin 46 $ 7,016,000 $ 152,521 $ 82,000
Winnebago, Wisconsin 19 $ 3,484,000 $ 183,368 $ 100,000
Calumet, Wisconsin 9 $ 1,542,000 $ 171,333 $ 72,000
Shawano, Wisconsin 4 $ 777,000 $ 194,250 $ 344,000
Waupaca, Wisconsin 3 $ 590,000 $ 196,666 $ 371,000
Brown, Wisconsin 1 $ 220,000 $ 220,000 $ 113,000
Iowa, Wisconsin 1 $ 417,000 $ 417,000 $ 240,000
Langlade, Wisconsin 1 $ 75,000 $ 75,000 $ 25,000
Menominee, Wisconsin 1 $ 168,000 $ 168,000 $ 62,000
Oneida, Wisconsin 1 $ 185,000 $ 185,000 $ 584,000
Vilas, Wisconsin 1 $ 91,000 $ 91,000 $ 112,000
Washington, Wisconsin 1 $ 100,000 $ 100,000 $ 208,000
Waushara, Wisconsin 1 $ 242,000 $ 242,000 $ 248,000

Mortgage Loan Application Detail Totals for American National Bank Fox Cities 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
Home Purchase 50 $8,894,000 $177,000 $409,000 $121,000 $1,010,000
Refinancing 38 $5,972,000 $157,000 $417,000 $112,000 $954,000
Home Improvement 1 $41,000 $41,000 $41,000 $134,000 $134,000

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 78 $13,721,000 $175,000 $417,000 $130,000 $1,010,000
Not applicable 9 $877,000 $97,000 $207,000 $0 $0
Hispanic 2 $309,000 $154,000 $242,000 $143,000 $248,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 0 $0 $0 $0 $0 $0
Black or African American 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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 89 $14,907,000 $167,000 $417,000 $117,000 $1,010,000
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
VA-guaranteed (Veterans Administration) 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 79 $13,759,000 $174,000 $417,000 $128,000 $1,010,000
Application Denied By Financial Institution 8 $932,000 $116,000 $298,000 $25,000 $55,000
Application Withdrawn By Applicant 2 $216,000 $108,000 $118,000 $62,000 $65,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
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

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
Debt-To-Income Ratio 4 $455,000 $113,000 $193,000 $15,000 $31,000
Credit History 3 $410,000 $136,000 $298,000 $28,000 $48,000
Insufficient Cash (Downpayment, Closing Cost) 1 $67,000 $67,000 $67,000 $55,000 $55,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank Fox Cities'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 National Bank Fox Cities'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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