Consumer Loan Services, LLC Mortgage Lending & HMDA Data, 2010

In 2010, Consumer Loan Services, LLC of La Crosse, WI reported 1,974 mortgage applications totaling $243.9 million. The average application was for $123,542, and applicants reported an average income of $68,151. 11% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Des Moines-West Des Moines, IA (185), Rochester, MN (181) and Duluth, MN-WI (146) (applications in parentheses).

Mortgage Company & Address Consumer Loan Services, LLC
811 Monitor Street
La Crosse, WI 54603
Tel #: available with data download
Federal Regulator * available with data download
Years 2018  2017  2016  2015  2014  2013  2012  2011  2010  
Total Number of Mortgage Applications 1,974
Total Mortgage Loan Application Amount $243,873,000
Average Mortgage Loan Application Amount $123,542
Highest Mortgage Loan Application Amount $2,040,000
Average Applicant Income $68,151
Highest Applicant Income $608,000

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records Consumer Loan Services, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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

Mortgage Loan Application Totals for Consumer Loan Services, LLC 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
Olmsted, Minnesota 156 $ 23,188,000 $ 148,641 $ 84,000
Polk, Iowa 139 $ 17,286,000 $ 124,359 $ 72,000
La Crosse, Wisconsin 118 $ 13,647,000 $ 115,652 $ 66,000
Monroe, Wisconsin 116 $ 13,475,000 $ 116,163 $ 68,000
St. Louis, Minnesota 84 $ 8,687,000 $ 103,416 $ 56,000
Mower, Minnesota 68 $ 7,293,000 $ 107,250 $ 56,000
Douglas, Wisconsin 60 $ 5,708,000 $ 95,133 $ 49,000
Winnebago, Illinois 52 $ 5,193,000 $ 99,865 $ 72,000
McHenry, Illinois 42 $ 6,341,000 $ 150,976 $ 89,000
Jefferson, Wisconsin 41 $ 6,446,000 $ 157,219 $ 91,000
Dane, Wisconsin 33 $ 4,504,000 $ 136,484 $ 73,000
Jackson, Wisconsin 33 $ 4,659,000 $ 141,181 $ 86,000
Wood, Wisconsin 31 $ 2,988,000 $ 96,387 $ 64,000
Stearns, Minnesota 30 $ 4,682,000 $ 156,066 $ 80,000
Portage, Wisconsin 30 $ 3,978,000 $ 132,600 $ 82,000
Cerro Gordo, Iowa 28 $ 3,324,000 $ 118,714 $ 77,000
Fond du Lac, Wisconsin 26 $ 2,993,000 $ 115,115 $ 46,000
Ashland, Wisconsin 25 $ 2,330,000 $ 93,200 $ 63,000
Marathon, Wisconsin 25 $ 2,867,000 $ 114,680 $ 69,000
Sherburne, Minnesota 24 $ 3,657,000 $ 152,375 $ 68,000
Wapello, Iowa 22 $ 1,833,000 $ 83,318 $ 57,000
Eau Claire, Wisconsin 22 $ 3,070,000 $ 139,545 $ 63,000
Dallas, Iowa 21 $ 2,519,000 $ 119,952 $ 55,000
Price, Wisconsin 21 $ 2,183,000 $ 103,952 $ 71,000
Freeborn, Minnesota 20 $ 2,320,000 $ 116,000 $ 58,000
Rock, Wisconsin 20 $ 2,366,000 $ 118,300 $ 57,000
Sauk, Wisconsin 19 $ 2,667,000 $ 140,368 $ 60,000
Houston, Minnesota 18 $ 2,592,000 $ 144,000 $ 63,000
Mille Lacs, Minnesota 18 $ 2,249,000 $ 124,944 $ 54,000
Juneau, Wisconsin 18 $ 2,083,000 $ 115,722 $ 56,000
Warren, Iowa 17 $ 1,806,000 $ 106,235 $ 72,000
Dodge, Minnesota 17 $ 2,423,000 $ 142,529 $ 73,000
Iron, Wisconsin 17 $ 1,733,000 $ 101,941 $ 50,000
Dakota, Minnesota 16 $ 2,456,000 $ 153,500 $ 63,000
Kanabec, Minnesota 16 $ 1,801,000 $ 112,562 $ 55,000
Sawyer, Wisconsin 16 $ 2,001,000 $ 125,062 $ 69,000
Cass, Iowa 15 $ 1,118,000 $ 74,533 $ 53,000
Gogebic, Michigan 14 $ 1,170,000 $ 83,571 $ 59,000
Madison, Illinois 13 $ 1,326,000 $ 102,000 $ 75,000
Floyd, Iowa 13 $ 1,062,000 $ 81,692 $ 41,000
Bayfield, Wisconsin 13 $ 2,000,000 $ 153,846 $ 71,000
Allamakee, Iowa 11 $ 1,413,000 $ 128,454 $ 64,000
Benton, Minnesota 11 $ 1,885,000 $ 171,363 $ 77,000
Jefferson, Iowa 10 $ 1,152,000 $ 115,200 $ 65,000
Fillmore, Minnesota 10 $ 1,311,000 $ 131,100 $ 64,000
Hennepin, Minnesota 10 $ 3,580,000 $ 358,000 $ 128,000
Adams, Wisconsin 10 $ 776,000 $ 77,600 $ 66,000
Oneida, Wisconsin 10 $ 1,385,000 $ 138,500 $ 90,000
Walworth, Wisconsin 10 $ 1,756,000 $ 175,600 $ 91,000
Trempealeau, Wisconsin 9 $ 1,092,000 $ 121,333 $ 57,000
Boone, Illinois 8 $ 1,219,000 $ 152,375 $ 172,000
Ogle, Illinois 8 $ 1,234,000 $ 154,250 $ 76,000
Clinton, Iowa 8 $ 513,000 $ 64,125 $ 47,000
Wabasha, Minnesota 8 $ 1,441,000 $ 180,125 $ 92,000
Chippewa, Wisconsin 8 $ 1,163,000 $ 145,375 $ 65,000
Dodge, Wisconsin 8 $ 863,000 $ 107,875 $ 50,000
Milwaukee, Wisconsin 8 $ 1,149,000 $ 143,625 $ 50,000
Chickasaw, Iowa 7 $ 625,000 $ 89,285 $ 46,000
Chippewa, Michigan 7 $ 534,000 $ 76,285 $ 42,000
Wright, Minnesota 7 $ 885,000 $ 126,428 $ 61,000
Pine, Minnesota 6 $ 588,000 $ 98,000 $ 36,000
Columbia, Wisconsin 6 $ 767,000 $ 127,833 $ 62,000
Vilas, Wisconsin 6 $ 1,051,000 $ 175,166 $ 111,000
Cook, Illinois 5 $ 1,059,000 $ 211,800 $ 65,000
Davis, Iowa 5 $ 532,000 $ 106,400 $ 48,000
Keokuk, Iowa 5 $ 381,000 $ 76,200 $ 50,000
Madison, Iowa 5 $ 716,000 $ 143,200 $ 59,000
Scott, Iowa 5 $ 403,000 $ 80,600 $ 35,000
Anoka, Minnesota 5 $ 691,000 $ 138,200 $ 74,000
Ramsey, Minnesota 5 $ 496,000 $ 99,200 $ 50,000
Cass, North Dakota 5 $ 618,000 $ 123,600 $ 59,000
Brown, Wisconsin 5 $ 623,000 $ 124,600 $ 90,000
Taylor, Wisconsin 5 $ 614,000 $ 122,800 $ 65,000
Vernon, Wisconsin 5 $ 532,000 $ 106,400 $ 65,000
Waushara, Wisconsin 5 $ 544,000 $ 108,800 $ 117,000
Jasper, Iowa 4 $ 450,000 $ 112,500 $ 60,000
Mitchell, Iowa 4 $ 601,000 $ 150,250 $ 113,000
Muscatine, Iowa 4 $ 362,000 $ 90,500 $ 36,000
Story, Iowa 4 $ 446,000 $ 111,500 $ 57,000
Cottonwood, Minnesota 4 $ 294,000 $ 73,500 $ 34,000
Lake, Minnesota 4 $ 453,000 $ 113,250 $ 63,000
Winona, Minnesota 4 $ 666,000 $ 166,500 $ 69,000
LaMoure, North Dakota 4 $ 378,000 $ 94,500 $ 82,000
Waukesha, Wisconsin 4 $ 931,000 $ 232,750 $ 130,000
Prowers, Colorado 3 $ 266,000 $ 88,666 $ 42,000
Rock Island, Illinois 3 $ 182,000 $ 60,666 $ 34,000
Black Hawk, Iowa 3 $ 204,000 $ 68,000 $ 48,000
Guthrie, Iowa 3 $ 305,000 $ 101,666 $ 64,000
Shelby, Iowa 3 $ 235,000 $ 78,333 $ 48,000
Van Buren, Iowa 3 $ 226,000 $ 75,333 $ 42,000
Washington, Iowa 3 $ 176,000 $ 58,666 $ 46,000
Marquette, Michigan 3 $ 234,000 $ 78,000 $ 53,000
Douglas, Minnesota 3 $ 492,000 $ 164,000 $ 119,000
Goodhue, Minnesota 3 $ 503,000 $ 167,666 $ 67,000
Washington, Minnesota 3 $ 427,000 $ 142,333 $ 60,000
Lincoln, Wisconsin 3 $ 499,000 $ 166,333 $ 87,000
Oconto, Wisconsin 3 $ 190,000 $ 63,333 $ 60,000
Washington, Wisconsin 3 $ 487,000 $ 162,333 $ 84,000
Winnebago, Wisconsin 3 $ 295,000 $ 98,333 $ 63,000
Denver, Colorado 2 $ 194,000 $ 97,000 $ 38,000
Jersey, Illinois 2 $ 104,000 $ 52,000 $ 38,000
Logan, Illinois 2 $ 250,000 $ 125,000 $ 43,000
Whiteside, Illinois 2 $ 259,000 $ 129,500 $ 111,000
Boone, Iowa 2 $ 243,000 $ 121,500 $ 60,000
Bremer, Iowa 2 $ 258,000 $ 129,000 $ 63,000
Butler, Iowa 2 $ 182,000 $ 91,000 $ 40,000
Fayette, Iowa 2 $ 165,000 $ 82,500 $ 53,000
Marion, Iowa 2 $ 90,000 $ 45,000 $ 62,000
Monroe, Iowa 2 $ 280,000 $ 140,000 $ 76,000
Union, Iowa 2 $ 256,000 $ 128,000 $ 58,000
Worth, Iowa 2 $ 122,000 $ 61,000 $ 57,000
Schoolcraft, Michigan 2 $ 267,000 $ 133,500 $ 93,000
Aitkin, Minnesota 2 $ 238,000 $ 119,000 $ 80,000
Carlton, Minnesota 2 $ 243,000 $ 121,500 $ 51,000
Crow Wing, Minnesota 2 $ 184,000 $ 92,000 $ 32,000
Nicollet, Minnesota 2 $ 388,000 $ 194,000 $ 65,000
Scott, Minnesota 2 $ 238,000 $ 119,000 $ 41,000
Steele, Minnesota 2 $ 210,000 $ 105,000 $ 79,000
Chase, Nebraska 2 $ 243,000 $ 121,500 $ 90,000
Barron, Wisconsin 2 $ 488,000 $ 244,000 $ 66,000
Clark, Wisconsin 2 $ 321,000 $ 160,500 $ 75,000
Door, Wisconsin 2 $ 475,000 $ 237,500 $ 201,000
Dunn, Wisconsin 2 $ 144,000 $ 72,000 $ 40,000
Kenosha, Wisconsin 2 $ 263,000 $ 131,500 $ 109,000
Marquette, Wisconsin 2 $ 472,000 $ 236,000 $ 111,000
Pierce, Wisconsin 2 $ 353,000 $ 176,500 $ 88,000
Richland, Wisconsin 2 $ 218,000 $ 109,000 $ 107,000
Sheboygan, Wisconsin 2 $ 219,000 $ 109,500 $ 45,000
St. Croix, Wisconsin 2 $ 194,000 $ 97,000 $ 62,000
Waupaca, Wisconsin 2 $ 431,000 $ 215,500 $ 99,000
Bent, Colorado 1 $ 85,000 $ 85,000 $ 61,000
Larimer, Colorado 1 $ 220,000 $ 220,000 $ 63,000
Moffat, Colorado 1 $ 176,000 $ 176,000 $ 68,000
Adams, Illinois 1 $ 114,000 $ 114,000 $ 19,000
Champaign, Illinois 1 $ 181,000 $ 181,000 $ 150,000
Henry, Illinois 1 $ 54,000 $ 54,000 $ 46,000
Kane, Illinois 1 $ 159,000 $ 159,000 $ 52,000
Lake, Illinois 1 $ 294,000 $ 294,000 $ 227,000
Macoupin, Illinois 1 $ 80,000 $ 80,000 $ 96,000
Menard, Illinois 1 $ 200,000 $ 200,000 $ 230,000
Mercer, Illinois 1 $ 76,000 $ 76,000 $ 33,000
Moultrie, Illinois 1 $ 115,000 $ 115,000 $ 57,000
Appanoose, Iowa 1 $ 40,000 $ 40,000 $ 19,000
Carroll, Iowa 1 $ 77,000 $ 77,000 $ 42,000
Clarke, Iowa 1 $ 84,000 $ 84,000 $ 56,000
Clay, Iowa 1 $ 79,000 $ 79,000 $ 41,000
Des Moines, Iowa 1 $ 201,000 $ 201,000 $ 88,000
Dickinson, Iowa 1 $ 192,000 $ 192,000 $ 167,000
Hancock, Iowa 1 $ 64,000 $ 64,000 $ 32,000
Hardin, Iowa 1 $ 51,000 $ 51,000 $ 51,000
Howard, Iowa 1 $ 51,000 $ 51,000 $ 33,000
Johnson, Iowa 1 $ 149,000 $ 149,000 $ 68,000
Pottawattamie, Iowa 1 $ 33,000 $ 33,000 $ 37,000
Ringgold, Iowa 1 $ 59,000 $ 59,000 $ 30,000
Webster, Iowa 1 $ 130,000 $ 130,000 $ 53,000
Winneshiek, Iowa 1 $ 151,000 $ 151,000 $ 108,000
Alger, Michigan 1 $ 93,000 $ 93,000 $ 70,000
Mackinac, Michigan 1 $ 67,000 $ 67,000 $ 25,000
Macomb, Michigan 1 $ 61,000 $ 61,000 $ 17,000
Cass, Minnesota 1 $ 319,000 $ 319,000 $ 56,000
Clearwater, Minnesota 1 $ 164,000 $ 164,000 $ 92,000
Isanti, Minnesota 1 $ 106,000 $ 106,000 $ 31,000
Jackson, Minnesota 1 $ 160,000 $ 160,000 $ 86,000
Murray, Minnesota 1 $ 54,000 $ 54,000 $ 29,000
Rice, Minnesota 1 $ 173,000 $ 173,000 $ 93,000
Saunders, Nebraska 1 $ 360,000 $ 360,000 $ 168,000
Dickey, North Dakota 1 $ 54,000 $ 54,000 $ 37,000
Ransom, North Dakota 1 $ 113,000 $ 113,000 $ 56,000
Sargent, North Dakota 1 $ 178,000 $ 178,000 $ 146,000
Bon Homme, South Dakota 1 $ 67,000 $ 67,000 $ 36,000
Minnehaha, South Dakota 1 $ 84,000 $ 84,000 $ 74,000
Roberts, South Dakota 1 $ 203,000 $ 203,000 $ 80,000
Buffalo, Wisconsin 1 $ 71,000 $ 71,000 $ 23,000
Calumet, Wisconsin 1 $ 136,000 $ 136,000 $ 61,000
Green, Wisconsin 1 $ 218,000 $ 218,000 $ 136,000
Langlade, Wisconsin 1 $ 156,000 $ 156,000 $ 100,000
Racine, Wisconsin 1 $ 161,000 $ 161,000 $ 50,000
Washburn, Wisconsin 1 $ 69,000 $ 69,000 $ 57,000

Mortgage Loan Application Detail Totals for Consumer Loan Services, LLC 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 1,385 $175,592,000 $126,000 $417,000 $72,000 $608,000
Home Purchase 539 $63,028,000 $116,000 $2,040,000 $58,000 $553,000
Home Improvement 50 $5,253,000 $105,000 $360,000 $71,000 $224,000

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 1,623 $199,496,000 $122,000 $407,000 $69,000 $608,000
Not Provided 292 $37,959,000 $129,000 $2,040,000 $67,000 $553,000
Hispanic 30 $3,069,000 $102,000 $277,000 $56,000 $173,000
Asian 15 $1,744,000 $116,000 $272,000 $46,000 $82,000
Black or African American 9 $1,153,000 $128,000 $259,000 $57,000 $105,000
American Indian or Alaskan Native 4 $357,000 $89,000 $145,000 $48,000 $94,000
Native Hawaiian or Other Pacific Islander 1 $95,000 $95,000 $95,000 $52,000 $52,000
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) 1,548 $192,608,000 $124,000 $2,040,000 $73,000 $608,000
FHA-insured (Federal Housing Administration) 329 $40,738,000 $123,000 $311,000 $55,000 $328,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 62 $5,871,000 $94,000 $213,000 $42,000 $92,000
VA-guaranteed (Veterans Administration) 35 $4,656,000 $133,000 $207,000 $59,000 $165,000

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 Purchased By The Institution 850 $105,820,000 $124,000 $407,000 $77,000 $467,000
Application Withdrawn By Applicant 563 $69,810,000 $123,000 $392,000 $67,000 $608,000
Application Denied By Financial Institution 314 $39,714,000 $126,000 $2,040,000 $54,000 $553,000
Loan Originated 226 $25,246,000 $111,000 $274,000 $60,000 $179,000
File Closed For Incompleteness 21 $3,283,000 $156,000 $410,000 $63,000 $134,000
Application Approved But Not Accepted 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
Credit History 137 $15,339,000 $111,000 $417,000 $53,000 $174,000
Debt-To-Income Ratio 76 $10,823,000 $142,000 $400,000 $46,000 $181,000
Collateral 32 $3,752,000 $117,000 $305,000 $55,000 $139,000
Other 27 $4,441,000 $164,000 $2,040,000 $73,000 $553,000
Unverifiable Information 16 $2,345,000 $146,000 $319,000 $76,000 $205,000
Employment History 10 $1,135,000 $113,000 $208,000 $45,000 $74,000
Insufficient Cash (Downpayment, Closing Cost) 9 $977,000 $108,000 $277,000 $49,000 $84,000
Mortgage Insurance Denied 3 $415,000 $138,000 $156,000 $78,000 $97,000
Credit Application Incomplete 2 $200,000 $100,000 $110,000 $60,000 $77,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumer Loan Services, LLC'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 Consumer Loan Services, 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.
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