Consumer Loan Services, LLC Mortgage Lending & HMDA Data, 2016
In 2016, Consumer Loan Services, LLC of La Crosse, WI reported 614 mortgage applications totaling $79.7 million, down 51% from 2015. The average application was for $129,825, and applicants reported an average income of $69,504. 39% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Des Moines-West Des Moines, IA (164), Duluth, MN-WI (47) and La Crosse-Onalaska, WI-MN (46) (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 | 614 |
| Total Mortgage Loan Application Amount | $79,713,000 |
| Average Mortgage Loan Application Amount | $129,825 |
| Highest Mortgage Loan Application Amount | $604,000 |
| Average Applicant Income | $69,504 |
| Highest Applicant Income | $802,000 |
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records Consumer Loan Services, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Polk, Iowa | 129 | $ 18,329,000 | $ 142,085 | $ 72,000 |
| La Crosse, Wisconsin | 42 | $ 5,736,000 | $ 136,571 | $ 60,000 |
| St. Louis, Minnesota | 39 | $ 4,627,000 | $ 118,641 | $ 59,000 |
| Monroe, Wisconsin | 18 | $ 2,144,000 | $ 119,111 | $ 68,000 |
| Dallas, Iowa | 17 | $ 3,717,000 | $ 218,647 | $ 107,000 |
| Winnebago, Illinois | 16 | $ 1,436,000 | $ 89,750 | $ 59,000 |
| Stephenson, Illinois | 15 | $ 1,209,000 | $ 80,600 | $ 58,000 |
| Warren, Iowa | 14 | $ 2,235,000 | $ 159,642 | $ 92,000 |
| Cottonwood, Minnesota | 13 | $ 1,083,000 | $ 83,307 | $ 33,000 |
| Wapello, Iowa | 11 | $ 1,076,000 | $ 97,818 | $ 54,000 |
| Freeborn, Minnesota | 11 | $ 1,154,000 | $ 104,909 | $ 54,000 |
| Olmsted, Minnesota | 10 | $ 2,014,000 | $ 201,400 | $ 94,000 |
| Nobles, Minnesota | 9 | $ 1,045,000 | $ 116,111 | $ 63,000 |
| Juneau, Wisconsin | 9 | $ 881,000 | $ 97,888 | $ 51,000 |
| Trempealeau, Wisconsin | 9 | $ 1,097,000 | $ 121,888 | $ 58,000 |
| Marquette, Michigan | 8 | $ 783,000 | $ 97,875 | $ 77,000 |
| Fond du Lac, Wisconsin | 8 | $ 1,079,000 | $ 134,875 | $ 65,000 |
| Grant, Wisconsin | 8 | $ 695,000 | $ 86,875 | $ 35,000 |
| Rock, Wisconsin | 8 | $ 872,000 | $ 109,000 | $ 56,000 |
| Dubuque, Iowa | 7 | $ 1,019,000 | $ 145,571 | $ 57,000 |
| Carlton, Minnesota | 7 | $ 772,000 | $ 110,285 | $ 51,000 |
| Jackson, Minnesota | 7 | $ 794,000 | $ 113,428 | $ 65,000 |
| Jackson, Wisconsin | 7 | $ 821,000 | $ 117,285 | $ 59,000 |
| Whiteside, Illinois | 6 | $ 326,000 | $ 54,333 | $ 39,000 |
| Linn, Iowa | 6 | $ 809,000 | $ 134,833 | $ 70,000 |
| Scott, Iowa | 6 | $ 540,000 | $ 90,000 | $ 56,000 |
| Vernon, Wisconsin | 6 | $ 889,000 | $ 148,166 | $ 59,000 |
| Boone, Iowa | 5 | $ 745,000 | $ 149,000 | $ 67,000 |
| Murray, Minnesota | 5 | $ 582,000 | $ 116,400 | $ 97,000 |
| Winona, Minnesota | 5 | $ 979,000 | $ 195,800 | $ 75,000 |
| Brown, Wisconsin | 5 | $ 677,000 | $ 135,400 | $ 72,000 |
| Chippewa, Wisconsin | 5 | $ 707,000 | $ 141,400 | $ 109,000 |
| Sauk, Wisconsin | 5 | $ 582,000 | $ 116,400 | $ 43,000 |
| Houston, Minnesota | 4 | $ 465,000 | $ 116,250 | $ 65,000 |
| Lake, Minnesota | 4 | $ 1,269,000 | $ 317,250 | $ 117,000 |
| Dodge, Wisconsin | 4 | $ 385,000 | $ 96,250 | $ 78,000 |
| Eau Claire, Wisconsin | 4 | $ 477,000 | $ 119,250 | $ 71,000 |
| Lafayette, Wisconsin | 4 | $ 382,000 | $ 95,500 | $ 28,000 |
| DeKalb, Illinois | 3 | $ 362,000 | $ 120,666 | $ 134,000 |
| Allamakee, Iowa | 3 | $ 300,000 | $ 100,000 | $ 58,000 |
| Appanoose, Iowa | 3 | $ 294,000 | $ 98,000 | $ 54,000 |
| Delaware, Iowa | 3 | $ 353,000 | $ 117,666 | $ 43,000 |
| Jones, Iowa | 3 | $ 327,000 | $ 109,000 | $ 50,000 |
| Madison, Iowa | 3 | $ 687,000 | $ 229,000 | $ 96,000 |
| Muscatine, Iowa | 3 | $ 349,000 | $ 116,333 | $ 59,000 |
| Story, Iowa | 3 | $ 504,000 | $ 168,000 | $ 71,000 |
| Fillmore, Minnesota | 3 | $ 456,000 | $ 152,000 | $ 65,000 |
| Oconto, Wisconsin | 3 | $ 541,000 | $ 180,333 | $ 91,000 |
| Black Hawk, Iowa | 2 | $ 353,000 | $ 176,500 | $ 145,000 |
| Cedar, Iowa | 2 | $ 156,000 | $ 78,000 | $ 69,000 |
| Des Moines, Iowa | 2 | $ 162,000 | $ 81,000 | $ 30,000 |
| Hamilton, Iowa | 2 | $ 225,000 | $ 112,500 | $ 58,000 |
| Jackson, Iowa | 2 | $ 230,000 | $ 115,000 | $ 43,000 |
| Marion, Iowa | 2 | $ 203,000 | $ 101,500 | $ 61,000 |
| Winneshiek, Iowa | 2 | $ 226,000 | $ 113,000 | $ 46,000 |
| Hubbard, Minnesota | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Martin, Minnesota | 2 | $ 162,000 | $ 81,000 | $ 46,000 |
| Dane, Wisconsin | 2 | $ 346,000 | $ 173,000 | $ 89,000 |
| Dunn, Wisconsin | 2 | $ 445,000 | $ 222,500 | $ 56,000 |
| Green Lake, Wisconsin | 2 | $ 327,000 | $ 163,500 | $ 23,000 |
| Marathon, Wisconsin | 2 | $ 128,000 | $ 64,000 | $ 400,000 |
| Marquette, Wisconsin | 2 | $ 355,000 | $ 177,500 | $ 88,000 |
| Richland, Wisconsin | 2 | $ 154,000 | $ 77,000 | $ 43,000 |
| Baldwin, Alabama | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Boone, Illinois | 1 | $ 62,000 | $ 62,000 | $ 29,000 |
| Carroll, Illinois | 1 | $ 60,000 | $ 60,000 | $ 102,000 |
| Franklin, Illinois | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Henry, Illinois | 1 | $ 79,000 | $ 79,000 | $ 152,000 |
| Lee, Illinois | 1 | $ 91,000 | $ 91,000 | $ 69,000 |
| Mercer, Illinois | 1 | $ 31,000 | $ 31,000 | $ 802,000 |
| Rock Island, Illinois | 1 | $ 144,000 | $ 144,000 | $ 46,000 |
| Clayton, Iowa | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Emmet, Iowa | 1 | $ 121,000 | $ 121,000 | $ 79,000 |
| Fayette, Iowa | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Guthrie, Iowa | 1 | $ 73,000 | $ 73,000 | $ 50,000 |
| Hardin, Iowa | 1 | $ 82,000 | $ 82,000 | $ 81,000 |
| Henry, Iowa | 1 | $ 203,000 | $ 203,000 | $ 137,000 |
| Johnson, Iowa | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Kossuth, Iowa | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| Lee, Iowa | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Louisa, Iowa | 1 | $ 68,000 | $ 68,000 | $ 50,000 |
| Mahaska, Iowa | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Osceola, Iowa | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Pottawattamie, Iowa | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Poweshiek, Iowa | 1 | $ 172,000 | $ 172,000 | $ 62,000 |
| Tama, Iowa | 1 | $ 102,000 | $ 102,000 | $ 52,000 |
| Wayne, Iowa | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Woodbury, Iowa | 1 | $ 163,000 | $ 163,000 | $ 75,000 |
| Alger, Michigan | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Beltrami, Minnesota | 1 | $ 121,000 | $ 121,000 | $ 114,000 |
| Dakota, Minnesota | 1 | $ 224,000 | $ 224,000 | $ 159,000 |
| Goodhue, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Hennepin, Minnesota | 1 | $ 227,000 | $ 227,000 | $ 50,000 |
| Mower, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 122,000 |
| Ramsey, Minnesota | 1 | $ 190,000 | $ 190,000 | $ 66,000 |
| Stearns, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 95,000 |
| Steele, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Wabasha, Minnesota | 1 | $ 252,000 | $ 252,000 | $ 67,000 |
| Washington, Minnesota | 1 | $ 219,000 | $ 219,000 | $ 53,000 |
| Douglas, Nebraska | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Northumberland, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 17,000 |
| Philadelphia, Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 41,000 |
| Minnehaha, South Dakota | 1 | $ 161,000 | $ 161,000 | $ 82,000 |
| Adams, Wisconsin | 1 | $ 154,000 | $ 154,000 | $ 71,000 |
| Barron, Wisconsin | 1 | $ 212,000 | $ 212,000 | $ 192,000 |
| Bayfield, Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 75,000 |
| Columbia, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Door, Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Douglas, Wisconsin | 1 | $ 210,000 | $ 210,000 | $ 75,000 |
| Green, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Kenosha, Wisconsin | 1 | $ 124,000 | $ 124,000 | $ 51,000 |
| Lincoln, Wisconsin | 1 | $ 351,000 | $ 351,000 | $ 137,000 |
| Marinette, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 102,000 |
| Milwaukee, Wisconsin | 1 | $ 194,000 | $ 194,000 | $ 32,000 |
| Outagamie, Wisconsin | 1 | $ 139,000 | $ 139,000 | $ 62,000 |
| Polk, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 95,000 |
| Price, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 65,000 |
| Rusk, Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 109,000 |
| Vilas, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Walworth, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 337,000 |
| Waupaca, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Consumer Loan Services, LLC in 2016
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 | 356 | $44,405,000 | $124,000 | $440,000 | $66,000 | $802,000 |
| Refinancing | 146 | $20,197,000 | $138,000 | $564,000 | $70,000 | $283,000 |
| Home Improvement | 112 | $15,111,000 | $134,000 | $604,000 | $80,000 | $321,000 |
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 | 535 | $71,303,000 | $133,000 | $604,000 | $72,000 | $802,000 |
| Not Provided | 32 | $3,027,000 | $94,000 | $194,000 | $54,000 | $139,000 |
| Hispanic | 22 | $2,021,000 | $91,000 | $151,000 | $43,000 | $96,000 |
| Black or African American | 13 | $1,982,000 | $152,000 | $247,000 | $72,000 | $154,000 |
| Asian | 8 | $885,000 | $110,000 | $186,000 | $49,000 | $100,000 |
| American Indian or Alaskan Native | 2 | $259,000 | $129,000 | $152,000 | $77,000 | $112,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $236,000 | $118,000 | $120,000 | $61,000 | $95,000 |
| 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) | 401 | $53,032,000 | $132,000 | $564,000 | $74,000 | $768,000 |
| FHA-insured (Federal Housing Administration) | 135 | $16,694,000 | $123,000 | $276,000 | $64,000 | $802,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,379,000 | $99,000 | $219,000 | $43,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 34 | $5,608,000 | $164,000 | $604,000 | $72,000 | $280,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 253 | $29,437,000 | $116,000 | $564,000 | $66,000 | $802,000 |
| Loan Originated | 239 | $33,215,000 | $138,000 | $604,000 | $68,000 | $280,000 |
| Application Withdrawn By Applicant | 67 | $9,650,000 | $144,000 | $396,000 | $80,000 | $321,000 |
| File Closed For Incompleteness | 28 | $3,463,000 | $123,000 | $440,000 | $74,000 | $222,000 |
| Loan Purchased By The Institution | 22 | $3,445,000 | $156,000 | $362,000 | $93,000 | $232,000 |
| Application Approved But Not Accepted | 5 | $503,000 | $100,000 | $142,000 | $58,000 | $83,000 |
| 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 | 73 | $8,214,000 | $112,000 | $278,000 | $56,000 | $300,000 |
| Debt-To-Income Ratio | 48 | $6,139,000 | $127,000 | $235,000 | $43,000 | $124,000 |
| Credit Application Incomplete | 43 | $6,163,000 | $143,000 | $564,000 | $92,000 | $337,000 |
| Other | 28 | $2,495,000 | $89,000 | $235,000 | $90,000 | $802,000 |
| Collateral | 26 | $2,653,000 | $102,000 | $180,000 | $90,000 | $768,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,371,000 | $105,000 | $178,000 | $52,000 | $95,000 |
| Employment History | 11 | $1,190,000 | $108,000 | $237,000 | $50,000 | $92,000 |
| Unverifiable Information | 8 | $753,000 | $94,000 | $155,000 | $40,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumer Loan Services, LLC's 2016 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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