Csmc, Inc Mortgage Lending & HMDA Data, 2008
In 2008, Csmc, Inc of Wauwatosa, WI reported 2,540 mortgage applications totaling $383.0 million, down 12% from 2007. The average application was for $150,791, and applicants reported an average income of $66,632. 73% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (575), Lake County-Kenosha County, IL-WI (218) and Racine, WI (182) (applications in parentheses).
| Mortgage Company & Address | Csmc, Inc 10425 W North Avenue Suite 100 Wauwatosa, WI 53226 |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,540 |
| Total Mortgage Loan Application Amount | $383,010,000 |
| Average Mortgage Loan Application Amount | $150,791 |
| Highest Mortgage Loan Application Amount | $1,640,000 |
| Average Applicant Income | $66,632 |
| Highest Applicant Income | $500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Csmc, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 575 | $ 97,667,000 | $ 169,855 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 218 | $ 36,323,000 | $ 166,619 | $ 63,541 |
| Racine, WI | 182 | $ 27,755,000 | $ 152,500 | $ 60,000 |
| Chicago-Naperville-Joliet, IL | 146 | $ 34,898,000 | $ 239,027 | $ 95,000 |
| Kansas City, MO-KS | 95 | $ 14,309,000 | $ 150,621 | $ 68,463 |
| Des Moines-West Des Moines, IA | 89 | $ 12,713,000 | $ 142,842 | $ 65,000 |
| Grand Rapids-Wyoming, MI | 76 | $ 9,280,000 | $ 122,105 | $ 66,000 |
| Indianapolis-Carmel, IN | 72 | $ 9,666,000 | $ 134,250 | $ 51,000 |
| Davenport-Moline-Rock Island, IA-IL | 66 | $ 7,162,000 | $ 108,515 | $ 67,969 |
| Green Bay, WI | 66 | $ 9,730,000 | $ 147,424 | $ 62,000 |
| Columbus, OH | 57 | $ 9,166,000 | $ 160,807 | $ 70,000 |
| Muskegon-Norton Shores, MI | 53 | $ 5,059,000 | $ 95,452 | $ 50,000 |
| Appleton, WI | 31 | $ 4,980,000 | $ 160,645 | $ 68,000 |
| Oshkosh-Neenah, WI | 22 | $ 3,309,000 | $ 150,409 | $ 54,000 |
| Madison, WI | 21 | $ 4,263,000 | $ 203,000 | $ 78,000 |
| Duluth, MN-WI | 19 | $ 2,070,000 | $ 108,947 | $ 45,894 |
| Flint, MI | 17 | $ 1,706,000 | $ 100,352 | $ 53,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 2,068,000 | $ 137,866 | $ 67,000 |
| Sheboygan, WI | 15 | $ 2,382,000 | $ 158,800 | $ 67,000 |
| Fond Du Lac, WI | 14 | $ 1,872,000 | $ 133,714 | $ 61,000 |
| Gary, IN | 14 | $ 1,769,000 | $ 126,357 | $ 55,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 1,888,000 | $ 134,857 | $ 74,428 |
| Cleveland-Elyria-Mentor, OH | 13 | $ 1,305,000 | $ 100,384 | $ 59,000 |
| Saginaw-Saginaw Township North, MI | 13 | $ 1,311,000 | $ 100,846 | $ 46,000 |
| Michigan City-La Porte, IN | 11 | $ 1,242,000 | $ 112,909 | $ 80,000 |
| Eau Claire, WI | 10 | $ 1,371,000 | $ 137,100 | $ 56,000 |
| Holland-Grand Haven, MI | 10 | $ 1,355,000 | $ 135,500 | $ 62,000 |
| Wausau, WI | 10 | $ 1,308,000 | $ 130,800 | $ 56,000 |
| Waterloo-Cedar Falls, IA | 9 | $ 1,102,000 | $ 122,444 | $ 106,000 |
| Janesville, WI | 8 | $ 825,000 | $ 103,125 | $ 41,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 1,328,000 | $ 166,000 | $ 89,000 |
| Kankakee-Bradley, IL | 7 | $ 828,000 | $ 118,285 | $ 55,000 |
| Cedar Rapids, IA | 6 | $ 498,000 | $ 83,000 | $ 70,000 |
| Joplin, MO | 5 | $ 469,000 | $ 93,800 | $ 42,000 |
| La Crosse, WI-MN | 5 | $ 498,000 | $ 99,600 | $ 57,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 352,000 | $ 88,000 | $ 31,000 |
| Columbus, IN | 4 | $ 480,000 | $ 120,000 | $ 55,000 |
| Mansfield, OH | 4 | $ 661,000 | $ 165,250 | $ 61,000 |
| Sioux City, IA-NE-SD | 4 | $ 408,000 | $ 102,000 | $ 49,000 |
| Springfield, MO | 4 | $ 557,000 | $ 139,250 | $ 74,000 |
| Dubuque, IA | 3 | $ 423,000 | $ 141,000 | $ 56,000 |
| Lansing-East Lansing, MI | 3 | $ 256,000 | $ 85,333 | $ 60,000 |
| Peoria, IL | 3 | $ 189,000 | $ 63,000 | $ 29,000 |
| Rockford, IL | 3 | $ 365,000 | $ 121,666 | $ 73,000 |
| San Antonio, TX | 3 | $ 345,000 | $ 115,000 | $ 99,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 343,000 | $ 114,333 | $ 37,000 |
| Akron, OH | 2 | $ 197,000 | $ 98,500 | $ 74,000 |
| Ames, IA | 2 | $ 301,000 | $ 150,500 | $ 85,000 |
| Anderson, IN | 2 | $ 175,000 | $ 87,500 | $ 50,000 |
| Bay City, MI | 2 | $ 158,000 | $ 79,000 | $ 50,000 |
| Dallas-Plano-Irving, TX | 2 | $ 248,000 | $ 124,000 | $ 76,000 |
| Dayton, OH | 2 | $ 303,000 | $ 151,500 | $ 83,000 |
| Iowa City, IA | 2 | $ 402,000 | $ 201,000 | $ 83,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 730,000 | $ 365,000 | $ 159,000 |
| Reno-Sparks, NV | 2 | $ 950,000 | $ 475,000 | $ 390,000 |
| St. Louis, MO-IL | 2 | $ 287,000 | $ 143,500 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 475,000 | $ 237,500 | $ 131,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 114,000 | $ 57,000 | $ 34,000 |
| Ann Arbor, MI | 1 | $ 280,000 | $ 280,000 | $ 126,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 148,000 | $ 148,000 | $ 52,000 |
| Baltimore-Towson, MD | 1 | $ 400,000 | $ 400,000 | $ 130,000 |
| Bloomington, IN | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Bloomington-Normal, IL | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 80,000 | $ 80,000 | $ 220,000 |
| Danville, IL | 1 | $ 94,000 | $ 94,000 | $ 36,000 |
| Denver-Aurora, CO | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Edison-New Brunswick, NJ | 1 | $ 370,000 | $ 370,000 | $ 144,000 |
| Elmira, NY | 1 | $ 104,000 | $ 104,000 | $ 74,000 |
| Jackson, MI | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Kalamazoo-Portage, MI | 1 | $ 251,000 | $ 251,000 | $ 220,000 |
| Las Vegas-Paradise, NV | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 396,000 | $ 396,000 | $ 180,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 181,000 | $ 181,000 | $ 42,000 |
| Niles-Benton Harbor, MI | 1 | $ 182,000 | $ 182,000 | $ 51,000 |
| Rome, GA | 1 | $ 88,000 | $ 88,000 | $ 25,000 |
| Toledo, OH | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 166,000 | $ 166,000 | $ 45,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 438,000 | $ 438,000 | $ 225,000 |
| Wheeling, WV-OH | 1 | $ 79,000 | $ 79,000 | $ 62,000 |
| Wichita, KS | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Csmc, Inc in 2008
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 | 1,382 | $222,031,000 | $160,000 | $1,238,000 | $68,000 | $500,000 |
| Home Purchase | 1,158 | $160,979,000 | $139,000 | $1,640,000 | $65,000 | $480,000 |
| Home Improvement | 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 | 2,131 | $321,166,000 | $150,000 | $1,640,000 | $67,000 | $500,000 |
| Black or African American | 192 | $26,949,000 | $140,000 | $719,000 | $62,000 | $480,000 |
| Hispanic | 118 | $18,372,000 | $155,000 | $408,000 | $55,000 | $240,000 |
| Not Provided | 66 | $10,340,000 | $156,000 | $372,000 | $63,000 | $178,000 |
| Asian | 25 | $5,279,000 | $211,000 | $700,000 | $96,000 | $453,000 |
| American Indian or Alaskan Native | 7 | $676,000 | $96,000 | $158,000 | $39,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $228,000 | $228,000 | $228,000 | $107,000 | $107,000 |
| 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) | 1,280 | $206,984,000 | $161,000 | $1,640,000 | $77,000 | $500,000 |
| FHA-insured (Federal Housing Administration) | 1,201 | $168,878,000 | $140,000 | $532,000 | $56,000 | $359,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,396,000 | $138,000 | $365,000 | $57,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,752,000 | $87,000 | $145,000 | $43,000 | $71,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,864 | $280,714,000 | $150,000 | $803,000 | $67,000 | $480,000 |
| Application Withdrawn By Applicant | 446 | $68,691,000 | $154,000 | $1,640,000 | $69,000 | $500,000 |
| Application Approved But Not Accepted | 91 | $14,327,000 | $157,000 | $624,000 | $61,000 | $240,000 |
| Application Denied By Financial Institution | 89 | $12,141,000 | $136,000 | $417,000 | $57,000 | $175,000 |
| File Closed For Incompleteness | 50 | $7,137,000 | $142,000 | $347,000 | $61,000 | $141,000 |
| 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 |
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 | 25 | $3,612,000 | $144,000 | $417,000 | $52,000 | $175,000 |
| Credit History | 24 | $2,770,000 | $115,000 | $214,000 | $54,000 | $91,000 |
| Collateral | 15 | $2,316,000 | $154,000 | $319,000 | $65,000 | $150,000 |
| Other | 9 | $1,128,000 | $125,000 | $208,000 | $54,000 | $119,000 |
| Unverifiable Information | 4 | $599,000 | $149,000 | $252,000 | $99,000 | $130,000 |
| Employment History | 3 | $403,000 | $134,000 | $225,000 | $54,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $71,000 | $71,000 | $71,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Csmc, Inc's 2008 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 Csmc, Inc'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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