Consumer Loan Services, LLC Mortgage Lending & HMDA Data, 2011

In 2011, Consumer Loan Services, LLC of La Crosse, WI reported 1,634 mortgage applications totaling $191.3 million, down 17% from 2010. The average application was for $117,048, and applicants reported an average income of $69,011. 17% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Des Moines-West Des Moines, IA (172), Duluth, MN-WI (172) and Fond Du Lac, WI (164) (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 1,634
Total Mortgage Loan Application Amount $191,257,000
Average Mortgage Loan Application Amount $117,048
Highest Mortgage Loan Application Amount $417,000
Average Applicant Income $69,011
Highest Applicant Income $868,000

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records Consumer Loan Services, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fond du Lac, Wisconsin 164 $ 17,423,000 $ 106,237 $ 60,000
Polk, Iowa 139 $ 15,326,000 $ 110,258 $ 62,000
La Crosse, Wisconsin 135 $ 16,856,000 $ 124,859 $ 73,000
Douglas, Wisconsin 90 $ 9,761,000 $ 108,455 $ 56,000
St. Louis, Minnesota 72 $ 9,167,000 $ 127,319 $ 77,000
Monroe, Wisconsin 71 $ 7,817,000 $ 110,098 $ 66,000
Winnebago, Illinois 46 $ 6,207,000 $ 134,934 $ 108,000
Dodge, Wisconsin 32 $ 3,717,000 $ 116,156 $ 64,000
Olmsted, Minnesota 30 $ 4,522,000 $ 150,733 $ 84,000
Wood, Wisconsin 30 $ 2,667,000 $ 88,900 $ 53,000
Wapello, Iowa 26 $ 2,572,000 $ 98,923 $ 72,000
Brown, Wisconsin 24 $ 3,041,000 $ 126,708 $ 77,000
Cerro Gordo, Iowa 21 $ 2,455,000 $ 116,904 $ 53,000
Douglas, Nebraska 21 $ 2,686,000 $ 127,904 $ 97,000
Warren, Iowa 20 $ 2,654,000 $ 132,700 $ 40,000
Milwaukee, Wisconsin 18 $ 1,877,000 $ 104,277 $ 64,000
Rock, Wisconsin 18 $ 1,460,000 $ 81,111 $ 54,000
Sawyer, Wisconsin 18 $ 2,140,000 $ 118,888 $ 84,000
Winnebago, Wisconsin 18 $ 2,191,000 $ 121,722 $ 61,000
Mower, Minnesota 16 $ 1,590,000 $ 99,375 $ 49,000
Dane, Wisconsin 16 $ 2,127,000 $ 132,937 $ 74,000
Cass, Iowa 15 $ 1,045,000 $ 69,666 $ 39,000
McHenry, Illinois 14 $ 1,969,000 $ 140,642 $ 85,000
Marquette, Michigan 14 $ 1,351,000 $ 96,500 $ 57,000
Fillmore, Minnesota 14 $ 1,956,000 $ 139,714 $ 89,000
Marathon, Wisconsin 14 $ 1,959,000 $ 139,928 $ 61,000
Eau Claire, Wisconsin 13 $ 1,524,000 $ 117,230 $ 81,000
Waukesha, Wisconsin 13 $ 2,039,000 $ 156,846 $ 132,000
Houston, Minnesota 12 $ 1,879,000 $ 156,583 $ 74,000
Stearns, Minnesota 12 $ 1,623,000 $ 135,250 $ 80,000
Schoolcraft, Michigan 11 $ 909,000 $ 82,636 $ 45,000
Iron, Wisconsin 11 $ 941,000 $ 85,545 $ 52,000
Dallas, Iowa 10 $ 1,625,000 $ 162,500 $ 88,000
Carlton, Minnesota 10 $ 1,686,000 $ 168,600 $ 77,000
Crawford, Wisconsin 10 $ 1,156,000 $ 115,600 $ 74,000
Vernon, Wisconsin 10 $ 1,312,000 $ 131,200 $ 53,000
Ogle, Illinois 9 $ 734,000 $ 81,555 $ 48,000
Allamakee, Iowa 9 $ 1,036,000 $ 115,111 $ 66,000
Floyd, Iowa 9 $ 767,000 $ 85,222 $ 40,000
Mahaska, Iowa 9 $ 923,000 $ 102,555 $ 68,000
Freeborn, Minnesota 9 $ 825,000 $ 91,666 $ 47,000
Sarpy, Nebraska 9 $ 1,191,000 $ 132,333 $ 101,000
Jackson, Wisconsin 9 $ 1,505,000 $ 167,222 $ 81,000
Oneida, Wisconsin 9 $ 1,332,000 $ 148,000 $ 93,000
Sauk, Wisconsin 9 $ 1,364,000 $ 151,555 $ 63,000
Jasper, Iowa 8 $ 577,000 $ 72,125 $ 47,000
Linn, Iowa 8 $ 691,000 $ 86,375 $ 66,000
Jefferson, Wisconsin 8 $ 1,079,000 $ 134,875 $ 50,000
Oconto, Wisconsin 8 $ 931,000 $ 116,375 $ 67,000
Portage, Wisconsin 8 $ 1,467,000 $ 183,375 $ 100,000
Trempealeau, Wisconsin 8 $ 970,000 $ 121,250 $ 59,000
Union, Iowa 7 $ 477,000 $ 68,142 $ 40,000
Outagamie, Wisconsin 7 $ 666,000 $ 95,142 $ 63,000
Madison, Illinois 6 $ 376,000 $ 62,666 $ 27,000
Chickasaw, Iowa 6 $ 346,000 $ 57,666 $ 96,000
Johnson, Iowa 6 $ 1,047,000 $ 174,500 $ 77,000
Scott, Iowa 6 $ 708,000 $ 118,000 $ 84,000
Webster, Iowa 6 $ 379,000 $ 63,166 $ 46,000
Winona, Minnesota 6 $ 1,056,000 $ 176,000 $ 128,000
Adams, Wisconsin 6 $ 606,000 $ 101,000 $ 87,000
Ashland, Wisconsin 6 $ 464,000 $ 77,333 $ 58,000
Juneau, Wisconsin 6 $ 737,000 $ 122,833 $ 82,000
Boone, Illinois 5 $ 710,000 $ 142,000 $ 88,000
Keokuk, Iowa 5 $ 418,000 $ 83,600 $ 62,000
Story, Iowa 5 $ 722,000 $ 144,400 $ 67,000
Hennepin, Minnesota 5 $ 1,161,000 $ 232,200 $ 152,000
Wabasha, Minnesota 5 $ 717,000 $ 143,400 $ 109,000
Columbia, Wisconsin 5 $ 669,000 $ 133,800 $ 51,000
Price, Wisconsin 5 $ 528,000 $ 105,600 $ 109,000
Clayton, Iowa 4 $ 526,000 $ 131,500 $ 61,000
Jefferson, Iowa 4 $ 374,000 $ 93,500 $ 48,000
Marion, Iowa 4 $ 241,000 $ 60,250 $ 44,000
Pottawattamie, Iowa 4 $ 486,000 $ 121,500 $ 70,000
Poweshiek, Iowa 4 $ 647,000 $ 161,750 $ 78,000
Worth, Iowa 4 $ 318,000 $ 79,500 $ 47,000
Chippewa, Michigan 4 $ 489,000 $ 122,250 $ 65,000
Gogebic, Michigan 4 $ 583,000 $ 145,750 $ 191,000
Dakota, Minnesota 4 $ 558,000 $ 139,500 $ 67,000
Nobles, Minnesota 4 $ 479,000 $ 119,750 $ 36,000
Ramsey, Minnesota 4 $ 520,000 $ 130,000 $ 66,000
Green Lake, Wisconsin 4 $ 494,000 $ 123,500 $ 57,000
Vilas, Wisconsin 4 $ 455,000 $ 113,750 $ 67,000
Waushara, Wisconsin 4 $ 248,000 $ 62,000 $ 48,000
Hancock, Iowa 3 $ 165,000 $ 55,000 $ 103,000
Van Buren, Iowa 3 $ 272,000 $ 90,666 $ 62,000
Washington, Iowa 3 $ 279,000 $ 93,000 $ 42,000
Winneshiek, Iowa 3 $ 378,000 $ 126,000 $ 50,000
Washington, Minnesota 3 $ 325,000 $ 108,333 $ 44,000
Cass, North Dakota 3 $ 302,000 $ 100,666 $ 67,000
Ransom, North Dakota 3 $ 200,000 $ 66,666 $ 56,000
Bayfield, Wisconsin 3 $ 270,000 $ 90,000 $ 55,000
Chippewa, Wisconsin 3 $ 439,000 $ 146,333 $ 59,000
Grant, Wisconsin 3 $ 374,000 $ 124,666 $ 45,000
Marquette, Wisconsin 3 $ 533,000 $ 177,666 $ 92,000
Sheboygan, Wisconsin 3 $ 236,000 $ 78,666 $ 45,000
Washburn, Wisconsin 3 $ 316,000 $ 105,333 $ 69,000
Washington, Wisconsin 3 $ 768,000 $ 256,000 $ 128,000
Cook, Illinois 2 $ 245,000 $ 122,500 $ 77,000
Adams, Iowa 2 $ 230,000 $ 115,000 $ 48,000
Calhoun, Iowa 2 $ 171,000 $ 85,500 $ 54,000
Clinton, Iowa 2 $ 142,000 $ 71,000 $ 31,000
Des Moines, Iowa 2 $ 150,000 $ 75,000 $ 48,000
Humboldt, Iowa 2 $ 150,000 $ 75,000 $ 44,000
Madison, Iowa 2 $ 464,000 $ 232,000 $ 105,000
Marshall, Iowa 2 $ 200,000 $ 100,000 $ 65,000
Mitchell, Iowa 2 $ 234,000 $ 117,000 $ 102,000
Ringgold, Iowa 2 $ 216,000 $ 108,000 $ 30,000
Anoka, Minnesota 2 $ 261,000 $ 130,500 $ 68,000
Benton, Minnesota 2 $ 295,000 $ 147,500 $ 58,000
Cottonwood, Minnesota 2 $ 202,000 $ 101,000 $ 100,000
Dodge, Minnesota 2 $ 379,000 $ 189,500 $ 124,000
Jackson, Minnesota 2 $ 210,000 $ 105,000 $ 59,000
Kanabec, Minnesota 2 $ 152,000 $ 76,000 $ 33,000
Mille Lacs, Minnesota 2 $ 164,000 $ 82,000 $ 28,000
Pine, Minnesota 2 $ 230,000 $ 115,000 $ 60,000
Dickey, North Dakota 2 $ 255,000 $ 127,500 $ 97,000
Ozaukee, Wisconsin 2 $ 165,000 $ 82,500 $ 72,000
Walworth, Wisconsin 2 $ 377,000 $ 188,500 $ 101,000
Waupaca, Wisconsin 2 $ 188,000 $ 94,000 $ 48,000
Summit, Colorado 1 $ 400,000 $ 400,000 $ 868,000
Weld, Colorado 1 $ 156,000 $ 156,000 $ 46,000
Greene, Illinois 1 $ 68,000 $ 68,000 $ 52,000
Jersey, Illinois 1 $ 57,000 $ 57,000 $ 0
Kane, Illinois 1 $ 130,000 $ 130,000 $ 47,000
Lake, Illinois 1 $ 294,000 $ 294,000 $ 227,000
Macon, Illinois 1 $ 244,000 $ 244,000 $ 157,000
Sangamon, Illinois 1 $ 132,000 $ 132,000 $ 77,000
St. Clair, Illinois 1 $ 97,000 $ 97,000 $ 41,000
Tazewell, Illinois 1 $ 118,000 $ 118,000 $ 92,000
Benton, Iowa 1 $ 142,000 $ 142,000 $ 62,000
Black Hawk, Iowa 1 $ 80,000 $ 80,000 $ 27,000
Boone, Iowa 1 $ 65,000 $ 65,000 $ 46,000
Clarke, Iowa 1 $ 82,000 $ 82,000 $ 37,000
Davis, Iowa 1 $ 143,000 $ 143,000 $ 129,000
Fayette, Iowa 1 $ 80,000 $ 80,000 $ 56,000
Franklin, Iowa 1 $ 30,000 $ 30,000 $ 102,000
Guthrie, Iowa 1 $ 60,000 $ 60,000 $ 116,000
Ida, Iowa 1 $ 288,000 $ 288,000 $ 115,000
Lee, Iowa 1 $ 58,000 $ 58,000 $ 37,000
Shelby, Iowa 1 $ 75,000 $ 75,000 $ 33,000
Alger, Michigan 1 $ 79,000 $ 79,000 $ 66,000
Delta, Michigan 1 $ 134,000 $ 134,000 $ 80,000
Iron, Michigan 1 $ 42,000 $ 42,000 $ 83,000
Luce, Michigan 1 $ 113,000 $ 113,000 $ 102,000
Ontonagon, Michigan 1 $ 74,000 $ 74,000 $ 55,000
Wayne, Michigan 1 $ 25,000 $ 25,000 $ 60,000
Cass, Minnesota 1 $ 283,000 $ 283,000 $ 156,000
Crow Wing, Minnesota 1 $ 193,000 $ 193,000 $ 285,000
Faribault, Minnesota 1 $ 99,000 $ 99,000 $ 127,000
Goodhue, Minnesota 1 $ 197,000 $ 197,000 $ 76,000
Itasca, Minnesota 1 $ 104,000 $ 104,000 $ 113,000
Lake, Minnesota 1 $ 59,000 $ 59,000 $ 78,000
Lyon, Minnesota 1 $ 32,000 $ 32,000 $ 43,000
Murray, Minnesota 1 $ 134,000 $ 134,000 $ 87,000
Nicollet, Minnesota 1 $ 171,000 $ 171,000 $ 64,000
Sherburne, Minnesota 1 $ 88,000 $ 88,000 $ 39,000
Wright, Minnesota 1 $ 119,000 $ 119,000 $ 119,000
Cass, Nebraska 1 $ 238,000 $ 238,000 $ 90,000
Lancaster, Nebraska 1 $ 149,000 $ 149,000 $ 54,000
Madison, Nebraska 1 $ 99,000 $ 99,000 $ 86,000
Washington, Nebraska 1 $ 101,000 $ 101,000 $ 88,000
Burnett, Wisconsin 1 $ 260,000 $ 260,000 $ 128,000
Calumet, Wisconsin 1 $ 112,000 $ 112,000 $ 42,000
Clark, Wisconsin 1 $ 84,000 $ 84,000 $ 54,000
Green, Wisconsin 1 $ 77,000 $ 77,000 $ 50,000
Kenosha, Wisconsin 1 $ 98,000 $ 98,000 $ 34,000
Lafayette, Wisconsin 1 $ 214,000 $ 214,000 $ 37,000
Lincoln, Wisconsin 1 $ 114,000 $ 114,000 $ 73,000
Manitowoc, Wisconsin 1 $ 19,000 $ 19,000 $ 30,000
Shawano, Wisconsin 1 $ 57,000 $ 57,000 $ 43,000

Mortgage Loan Application Detail Totals for Consumer Loan Services, LLC in 2011

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 1,177 $140,519,000 $119,000 $417,000 $72,000 $868,000
Home Purchase 441 $49,054,000 $111,000 $417,000 $61,000 $400,000
Home Improvement 16 $1,684,000 $105,000 $184,000 $70,000 $130,000

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 1,427 $167,746,000 $117,000 $417,000 $70,000 $868,000
Not Provided 156 $18,492,000 $118,000 $417,000 $66,000 $479,000
Hispanic 20 $1,943,000 $97,000 $218,000 $46,000 $109,000
Black or African American 15 $1,775,000 $118,000 $176,000 $67,000 $120,000
Asian 8 $590,000 $73,000 $95,000 $37,000 $52,000
American Indian or Alaskan Native 6 $579,000 $96,000 $220,000 $49,000 $130,000
Native Hawaiian or Other Pacific Islander 2 $132,000 $66,000 $66,000 $55,000 $55,000
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) 1,343 $154,984,000 $115,000 $417,000 $72,000 $868,000
FHA-insured (Federal Housing Administration) 211 $25,790,000 $122,000 $331,000 $55,000 $189,000
VA-guaranteed (Veterans Administration) 42 $6,404,000 $152,000 $417,000 $64,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $4,079,000 $107,000 $238,000 $47,000 $128,000

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 958 $112,028,000 $116,000 $417,000 $75,000 $550,000
Loan Originated 283 $32,487,000 $114,000 $417,000 $64,000 $387,000
Application Denied By Financial Institution 257 $30,905,000 $120,000 $417,000 $58,000 $868,000
Application Withdrawn By Applicant 100 $11,960,000 $119,000 $415,000 $68,000 $479,000
Application Approved But Not Accepted 28 $2,871,000 $102,000 $250,000 $59,000 $189,000
File Closed For Incompleteness 8 $1,006,000 $125,000 $230,000 $62,000 $128,000
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 110 $12,144,000 $110,000 $417,000 $50,000 $400,000
Collateral 58 $7,019,000 $121,000 $417,000 $69,000 $180,000
Debt-To-Income Ratio 55 $7,148,000 $129,000 $400,000 $59,000 $868,000
Other 14 $1,926,000 $137,000 $331,000 $57,000 $100,000
Employment History 9 $1,166,000 $129,000 $255,000 $52,000 $90,000
Credit Application Incomplete 6 $809,000 $134,000 $283,000 $66,000 $156,000
Insufficient Cash (Downpayment, Closing Cost) 3 $480,000 $160,000 $199,000 $57,000 $75,000
Unverifiable Information 2 $213,000 $106,000 $109,000 $101,000 $158,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumer Loan Services, LLC's 2011 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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