Consumer Loan Services, LLC Mortgage Lending & HMDA Data, 2013

In 2013, Consumer Loan Services, LLC of La Crosse, WI reported 1,627 mortgage applications totaling $207.0 million, down 34% from 2012. The average application was for $127,207, and applicants reported an average income of $71,570. 24% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Duluth, MN-WI (203), Des Moines-West Des Moines, IA (196) and La Crosse, WI-MN (93) (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 1,627
Total Mortgage Loan Application Amount $206,966,000
Average Mortgage Loan Application Amount $127,207
Highest Mortgage Loan Application Amount $424,000
Average Applicant Income $71,570
Highest Applicant Income $660,000

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records Consumer Loan Services, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Polk, Iowa 144 $ 18,051,000 $ 125,354 $ 70,000
Carlton, Minnesota 101 $ 12,807,000 $ 126,801 $ 58,000
St. Louis, Minnesota 95 $ 11,311,000 $ 119,063 $ 67,000
La Crosse, Wisconsin 77 $ 10,747,000 $ 139,571 $ 93,000
Fond du Lac, Wisconsin 69 $ 8,288,000 $ 120,115 $ 66,000
Douglas, Nebraska 51 $ 7,163,000 $ 140,450 $ 83,000
Winnebago, Illinois 40 $ 5,242,000 $ 131,050 $ 94,000
Scott, Iowa 38 $ 4,565,000 $ 120,131 $ 62,000
Monroe, Wisconsin 36 $ 4,851,000 $ 134,750 $ 68,000
Olmsted, Minnesota 33 $ 6,528,000 $ 197,818 $ 86,000
Marquette, Michigan 31 $ 3,433,000 $ 110,741 $ 54,000
Oneida, Wisconsin 28 $ 4,342,000 $ 155,071 $ 93,000
Dubuque, Iowa 27 $ 3,660,000 $ 135,555 $ 64,000
Wapello, Iowa 27 $ 2,299,000 $ 85,148 $ 45,000
Warren, Iowa 27 $ 3,980,000 $ 147,407 $ 79,000
Shelby, Iowa 25 $ 2,338,000 $ 93,520 $ 64,000
Cass, Iowa 24 $ 1,950,000 $ 81,250 $ 50,000
Marathon, Wisconsin 23 $ 2,654,000 $ 115,391 $ 81,000
Webster, Iowa 20 $ 1,469,000 $ 73,450 $ 75,000
Vilas, Wisconsin 20 $ 4,177,000 $ 208,850 $ 99,000
Sarpy, Nebraska 18 $ 2,323,000 $ 129,055 $ 82,000
Cerro Gordo, Iowa 17 $ 2,293,000 $ 134,882 $ 58,000
Dallas, Iowa 17 $ 2,320,000 $ 136,470 $ 68,000
Rock, Wisconsin 17 $ 1,952,000 $ 114,823 $ 63,000
Hennepin, Minnesota 16 $ 3,377,000 $ 211,062 $ 109,000
Houston, Minnesota 16 $ 1,910,000 $ 119,375 $ 68,000
Eau Claire, Wisconsin 16 $ 1,925,000 $ 120,312 $ 72,000
Juneau, Wisconsin 16 $ 1,641,000 $ 102,562 $ 47,000
Dodge, Wisconsin 15 $ 1,812,000 $ 120,800 $ 63,000
Milwaukee, Wisconsin 15 $ 2,015,000 $ 134,333 $ 75,000
Brown, Wisconsin 14 $ 1,691,000 $ 120,785 $ 66,000
Dane, Wisconsin 14 $ 2,133,000 $ 152,357 $ 76,000
Pottawattamie, Iowa 13 $ 1,026,000 $ 78,923 $ 111,000
Nobles, Minnesota 13 $ 1,504,000 $ 115,692 $ 41,000
Jackson, Wisconsin 13 $ 1,922,000 $ 147,846 $ 86,000
DeKalb, Illinois 12 $ 1,625,000 $ 135,416 $ 72,000
Freeborn, Minnesota 12 $ 1,052,000 $ 87,666 $ 48,000
Stephenson, Illinois 11 $ 1,239,000 $ 112,636 $ 77,000
Winneshiek, Iowa 11 $ 1,410,000 $ 128,181 $ 48,000
Sauk, Wisconsin 11 $ 1,526,000 $ 138,727 $ 57,000
Clark, Wisconsin 10 $ 978,000 $ 97,800 $ 75,000
Crawford, Wisconsin 10 $ 876,000 $ 87,600 $ 37,000
Ogle, Illinois 9 $ 969,000 $ 107,666 $ 72,000
Rock Island, Illinois 9 $ 1,070,000 $ 118,888 $ 59,000
Fillmore, Minnesota 9 $ 1,093,000 $ 121,444 $ 59,000
Jefferson, Wisconsin 9 $ 1,482,000 $ 164,666 $ 66,000
Taylor, Wisconsin 9 $ 1,089,000 $ 121,000 $ 85,000
Allamakee, Iowa 8 $ 840,000 $ 105,000 $ 57,000
Green Lake, Wisconsin 8 $ 1,059,000 $ 132,375 $ 58,000
Linn, Iowa 7 $ 862,000 $ 123,142 $ 59,000
Union, Iowa 7 $ 562,000 $ 80,285 $ 50,000
Worth, Iowa 7 $ 583,000 $ 83,285 $ 55,000
Douglas, Wisconsin 7 $ 722,000 $ 103,142 $ 53,000
Price, Wisconsin 7 $ 617,000 $ 88,142 $ 94,000
Cook, Illinois 6 $ 1,277,000 $ 212,833 $ 144,000
Audubon, Iowa 6 $ 388,000 $ 64,666 $ 49,000
Floyd, Iowa 6 $ 495,000 $ 82,500 $ 46,000
Madison, Iowa 6 $ 832,000 $ 138,666 $ 68,000
Iron, Wisconsin 6 $ 761,000 $ 126,833 $ 56,000
Vernon, Wisconsin 6 $ 846,000 $ 141,000 $ 60,000
Winnebago, Wisconsin 6 $ 946,000 $ 157,666 $ 68,000
Wood, Wisconsin 6 $ 615,000 $ 102,500 $ 66,000
Muscatine, Iowa 5 $ 463,000 $ 92,600 $ 57,000
Gogebic, Michigan 5 $ 362,000 $ 72,400 $ 61,000
Schoolcraft, Michigan 5 $ 467,000 $ 93,400 $ 63,000
Jackson, Minnesota 5 $ 617,000 $ 123,400 $ 65,000
Ramsey, Minnesota 5 $ 806,000 $ 161,200 $ 63,000
Winona, Minnesota 5 $ 647,000 $ 129,400 $ 73,000
Chippewa, Wisconsin 5 $ 553,000 $ 110,600 $ 48,000
Trempealeau, Wisconsin 5 $ 448,000 $ 89,600 $ 54,000
Waukesha, Wisconsin 5 $ 1,030,000 $ 206,000 $ 104,000
Henry, Illinois 4 $ 539,000 $ 134,750 $ 79,000
Calhoun, Iowa 4 $ 367,000 $ 91,750 $ 76,000
Jefferson, Iowa 4 $ 426,000 $ 106,500 $ 53,000
Mitchell, Iowa 4 $ 323,000 $ 80,750 $ 56,000
Story, Iowa 4 $ 799,000 $ 199,750 $ 125,000
Chippewa, Michigan 4 $ 457,000 $ 114,250 $ 60,000
Cottonwood, Minnesota 4 $ 265,000 $ 66,250 $ 38,000
Itasca, Minnesota 4 $ 906,000 $ 226,500 $ 72,000
Grant, Wisconsin 4 $ 397,000 $ 99,250 $ 61,000
Waushara, Wisconsin 4 $ 496,000 $ 124,000 $ 93,000
Mercer, Illinois 3 $ 354,000 $ 118,000 $ 96,000
Clayton, Iowa 3 $ 304,000 $ 101,333 $ 65,000
Clinton, Iowa 3 $ 437,000 $ 145,666 $ 68,000
Delaware, Iowa 3 $ 350,000 $ 116,666 $ 59,000
Fayette, Iowa 3 $ 347,000 $ 115,666 $ 65,000
Hancock, Iowa 3 $ 317,000 $ 105,666 $ 59,000
Johnson, Iowa 3 $ 390,000 $ 130,000 $ 69,000
Marion, Iowa 3 $ 458,000 $ 152,666 $ 62,000
Dakota, Minnesota 3 $ 573,000 $ 191,000 $ 78,000
Mower, Minnesota 3 $ 490,000 $ 163,333 $ 127,000
Sherburne, Minnesota 3 $ 464,000 $ 154,666 $ 65,000
Wabasha, Minnesota 3 $ 386,000 $ 128,666 $ 45,000
Cass, North Dakota 3 $ 365,000 $ 121,666 $ 82,000
Adams, Wisconsin 3 $ 498,000 $ 166,000 $ 90,000
Ashland, Wisconsin 3 $ 306,000 $ 102,000 $ 120,000
Columbia, Wisconsin 3 $ 442,000 $ 147,333 $ 70,000
Green, Wisconsin 3 $ 450,000 $ 150,000 $ 88,000
Lincoln, Wisconsin 3 $ 483,000 $ 161,000 $ 56,000
Portage, Wisconsin 3 $ 435,000 $ 145,000 $ 64,000
Sawyer, Wisconsin 3 $ 703,000 $ 234,333 $ 152,000
Washington, Wisconsin 3 $ 492,000 $ 164,000 $ 68,000
Boone, Illinois 2 $ 340,000 $ 170,000 $ 142,000
Adair, Iowa 2 $ 105,000 $ 52,500 $ 34,000
Guthrie, Iowa 2 $ 264,000 $ 132,000 $ 81,000
Mills, Iowa 2 $ 167,000 $ 83,500 $ 76,000
Monroe, Iowa 2 $ 150,000 $ 75,000 $ 86,000
Ringgold, Iowa 2 $ 95,000 $ 47,500 $ 24,000
Tama, Iowa 2 $ 181,000 $ 90,500 $ 40,000
Van Buren, Iowa 2 $ 138,000 $ 69,000 $ 58,000
Winnebago, Iowa 2 $ 230,000 $ 115,000 $ 58,000
Alger, Michigan 2 $ 325,000 $ 162,500 $ 67,000
Anoka, Minnesota 2 $ 369,000 $ 184,500 $ 98,000
Dodge, Minnesota 2 $ 408,000 $ 204,000 $ 60,000
Lake, Minnesota 2 $ 124,000 $ 62,000 $ 41,000
Steele, Minnesota 2 $ 248,000 $ 124,000 $ 66,000
Washington, Minnesota 2 $ 496,000 $ 248,000 $ 188,000
Cass, Nebraska 2 $ 305,000 $ 152,500 $ 70,000
Lancaster, Nebraska 2 $ 164,000 $ 82,000 $ 76,000
Marinette, Wisconsin 2 $ 204,000 $ 102,000 $ 49,000
Oconto, Wisconsin 2 $ 341,000 $ 170,500 $ 66,000
Waupaca, Wisconsin 2 $ 335,000 $ 167,500 $ 88,000
Carroll, Illinois 1 $ 224,000 $ 224,000 $ 277,000
Jo Daviess, Illinois 1 $ 86,000 $ 86,000 $ 33,000
Lee, Illinois 1 $ 101,000 $ 101,000 $ 86,000
Warren, Illinois 1 $ 171,000 $ 171,000 $ 239,000
Whiteside, Illinois 1 $ 37,000 $ 37,000 $ 48,000
Buchanan, Iowa 1 $ 138,000 $ 138,000 $ 91,000
Butler, Iowa 1 $ 65,000 $ 65,000 $ 30,000
Clarke, Iowa 1 $ 83,000 $ 83,000 $ 20,000
Davis, Iowa 1 $ 73,000 $ 73,000 $ 51,000
Des Moines, Iowa 1 $ 67,000 $ 67,000 $ 47,000
Greene, Iowa 1 $ 59,000 $ 59,000 $ 72,000
Henry, Iowa 1 $ 102,000 $ 102,000 $ 54,000
Jackson, Iowa 1 $ 76,000 $ 76,000 $ 48,000
Jasper, Iowa 1 $ 275,000 $ 275,000 $ 106,000
Louisa, Iowa 1 $ 74,000 $ 74,000 $ 28,000
Mahaska, Iowa 1 $ 114,000 $ 114,000 $ 38,000
Montgomery, Iowa 1 $ 102,000 $ 102,000 $ 30,000
Woodbury, Iowa 1 $ 97,000 $ 97,000 $ 56,000
Wayne, Michigan 1 $ 171,000 $ 171,000 $ 47,000
Aitkin, Minnesota 1 $ 130,000 $ 130,000 $ 48,000
Becker, Minnesota 1 $ 280,000 $ 280,000 $ 360,000
Beltrami, Minnesota 1 $ 143,000 $ 143,000 $ 85,000
Carver, Minnesota 1 $ 285,000 $ 285,000 $ 135,000
Crow Wing, Minnesota 1 $ 199,000 $ 199,000 $ 158,000
Faribault, Minnesota 1 $ 167,000 $ 167,000 $ 136,000
Isanti, Minnesota 1 $ 122,000 $ 122,000 $ 42,000
Koochiching, Minnesota 1 $ 114,000 $ 114,000 $ 53,000
Meeker, Minnesota 1 $ 102,000 $ 102,000 $ 68,000
Morrison, Minnesota 1 $ 365,000 $ 365,000 $ 107,000
Murray, Minnesota 1 $ 63,000 $ 63,000 $ 51,000
Otter Tail, Minnesota 1 $ 198,000 $ 198,000 $ 108,000
Pine, Minnesota 1 $ 85,000 $ 85,000 $ 25,000
Scott, Minnesota 1 $ 125,000 $ 125,000 $ 99,000
Dodge, Nebraska 1 $ 111,000 $ 111,000 $ 44,000
Keith, Nebraska 1 $ 60,000 $ 60,000 $ 48,000
Saunders, Nebraska 1 $ 352,000 $ 352,000 $ 164,000
Washington, Nebraska 1 $ 94,000 $ 94,000 $ 108,000
Bayfield, Wisconsin 1 $ 108,000 $ 108,000 $ 87,000
Buffalo, Wisconsin 1 $ 92,000 $ 92,000 $ 40,000
Forest, Wisconsin 1 $ 263,000 $ 263,000 $ 473,000
Iowa, Wisconsin 1 $ 127,000 $ 127,000 $ 64,000
Kenosha, Wisconsin 1 $ 125,000 $ 125,000 $ 46,000
Langlade, Wisconsin 1 $ 138,000 $ 138,000 $ 110,000
Marquette, Wisconsin 1 $ 57,000 $ 57,000 $ 38,000
Racine, Wisconsin 1 $ 375,000 $ 375,000 $ 202,000
Richland, Wisconsin 1 $ 122,000 $ 122,000 $ 65,000
Rusk, Wisconsin 1 $ 58,000 $ 58,000 $ 50,000
Shawano, Wisconsin 1 $ 88,000 $ 88,000 $ 29,000
Sheboygan, Wisconsin 1 $ 61,000 $ 61,000 $ 62,000
St. Croix, Wisconsin 1 $ 64,000 $ 64,000 $ 84,000
Walworth, Wisconsin 1 $ 194,000 $ 194,000 $ 101,000
Washburn, Wisconsin 1 $ 70,000 $ 70,000 $ 84,000

Mortgage Loan Application Detail Totals for Consumer Loan Services, LLC in 2013

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 949 $124,261,000 $130,000 $424,000 $77,000 $493,000
Home Purchase 673 $82,119,000 $122,000 $417,000 $64,000 $660,000
Home Improvement 5 $586,000 $117,000 $235,000 $60,000 $138,000

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 1,468 $188,743,000 $128,000 $424,000 $72,000 $660,000
Not Provided 109 $12,287,000 $112,000 $417,000 $68,000 $224,000
Hispanic 21 $1,977,000 $94,000 $185,000 $51,000 $122,000
Black or African American 12 $1,255,000 $104,000 $176,000 $75,000 $310,000
American Indian or Alaskan Native 8 $831,000 $103,000 $143,000 $53,000 $87,000
Native Hawaiian or Other Pacific Islander 5 $836,000 $167,000 $212,000 $133,000 $342,000
Asian 4 $1,037,000 $259,000 $380,000 $91,000 $145,000
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) 1,325 $169,927,000 $128,000 $417,000 $75,000 $600,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 144 $15,054,000 $104,000 $261,000 $48,000 $660,000
FHA-insured (Federal Housing Administration) 105 $14,157,000 $134,000 $363,000 $65,000 $266,000
VA-guaranteed (Veterans Administration) 53 $7,828,000 $147,000 $424,000 $67,000 $210,000

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 558 $78,725,000 $141,000 $417,000 $84,000 $493,000
Application Denied By Financial Institution 519 $60,147,000 $115,000 $424,000 $64,000 $660,000
Loan Originated 395 $47,508,000 $120,000 $384,000 $63,000 $266,000
Application Withdrawn By Applicant 108 $14,464,000 $133,000 $383,000 $70,000 $300,000
File Closed For Incompleteness 46 $6,082,000 $132,000 $376,000 $70,000 $180,000
Application Approved But Not Accepted 1 $40,000 $40,000 $40,000 $34,000 $34,000
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 183 $19,180,000 $104,000 $363,000 $59,000 $660,000
Credit Application Incomplete 95 $11,284,000 $118,000 $305,000 $69,000 $309,000
Debt-To-Income Ratio 87 $11,249,000 $129,000 $424,000 $61,000 $600,000
Collateral 78 $9,135,000 $117,000 $297,000 $68,000 $292,000
Unverifiable Information 18 $2,228,000 $123,000 $365,000 $69,000 $135,000
Employment History 9 $1,049,000 $116,000 $177,000 $38,000 $72,000
Other 8 $792,000 $99,000 $156,000 $75,000 $139,000
Insufficient Cash (Downpayment, Closing Cost) 6 $403,000 $67,000 $122,000 $39,000 $60,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumer Loan Services, LLC's 2013 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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