First Federal Capital Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Federal Capital Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Federal Capital Bank 605 State St Lacrosse, WI 54601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 17,887 |
| Total Mortgage Loan Application Amount | $1,756,219,000 |
| Average Mortgage Loan Application Amount | $98,285 |
| Highest Mortgage Loan Application Amount | $4,100,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $5,305,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First Federal Capital Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Federal Capital Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down First Federal Capital Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Federal Capital Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Capital Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Federal Capital Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dane County Wisconsin | 2,669 | $ 307,747,000 | $ 115,000 | $ 60,000 |
| Rock County Wisconsin | 1,700 | $ 131,050,000 | $ 77,000 | $ 52,000 |
| La Crosse County Wisconsin | 1,428 | $ 112,034,000 | $ 78,000 | $ 50,000 |
| Eau Claire County Wisconsin | 1,027 | $ 96,823,000 | $ 94,000 | $ 56,000 |
| St. Croix County Wisconsin | 993 | $ 132,930,000 | $ 133,000 | $ 90,000 |
| Winnebago County Illinois | 754 | $ 53,432,000 | $ 70,000 | $ 54,000 |
| Marathon County Wisconsin | 742 | $ 61,741,000 | $ 83,000 | $ 54,000 |
| Olmsted County Minnesota | 668 | $ 78,659,000 | $ 117,000 | $ 78,000 |
| Winnebago County Wisconsin | 589 | $ 50,636,000 | $ 85,000 | $ 68,000 |
| Outagamie County Wisconsin | 546 | $ 53,223,000 | $ 97,000 | $ 49,000 |
| Jefferson County Wisconsin | 466 | $ 45,871,000 | $ 98,000 | $ 56,000 |
| Chippewa County Wisconsin | 310 | $ 30,730,000 | $ 99,000 | $ 70,000 |
| Vernon County Wisconsin | 231 | $ 15,652,000 | $ 67,000 | $ 47,000 |
| Pierce County Wisconsin | 220 | $ 27,747,000 | $ 126,000 | $ 83,000 |
| Ramsey County Minnesota | 214 | $ 21,353,000 | $ 99,000 | $ 69,000 |
| Columbia County Wisconsin | 211 | $ 20,480,000 | $ 97,000 | $ 64,000 |
| Brown County Wisconsin | 170 | $ 12,903,000 | $ 75,000 | $ 51,000 |
| Green County Wisconsin | 163 | $ 14,301,000 | $ 87,000 | $ 60,000 |
| Walworth County Wisconsin | 146 | $ 14,212,000 | $ 97,000 | $ 60,000 |
| Washington County Minnesota | 136 | $ 21,515,000 | $ 158,000 | $ 106,000 |
| Waupaca County Wisconsin | 133 | $ 11,143,000 | $ 83,000 | $ 46,000 |
| Richland County Wisconsin | 122 | $ 5,789,000 | $ 47,000 | $ 41,000 |
| Houston County Minnesota | 111 | $ 8,928,000 | $ 80,000 | $ 64,000 |
| Calumet County Wisconsin | 105 | $ 11,968,000 | $ 113,000 | $ 55,000 |
| Hennepin County Minnesota | 103 | $ 14,873,000 | $ 144,000 | $ 98,000 |
| Kenosha County Wisconsin | 101 | $ 6,705,000 | $ 66,000 | $ 66,000 |
| Dunn County Wisconsin | 97 | $ 12,034,000 | $ 124,000 | $ 56,000 |
| Shawano County Wisconsin | 93 | $ 8,081,000 | $ 86,000 | $ 48,000 |
| Fond du Lac County Wisconsin | 91 | $ 7,622,000 | $ 83,000 | $ 60,000 |
| Monroe County Wisconsin | 87 | $ 7,312,000 | $ 84,000 | $ 61,000 |
| Sheboygan County Wisconsin | 85 | $ 5,946,000 | $ 69,000 | $ 50,000 |
| Crawford County Wisconsin | 82 | $ 3,979,000 | $ 48,000 | $ 49,000 |
| Sauk County Wisconsin | 82 | $ 9,927,000 | $ 121,000 | $ 65,000 |
| Dakota County Minnesota | 78 | $ 10,673,000 | $ 136,000 | $ 83,000 |
| Boone County Illinois | 76 | $ 9,371,000 | $ 123,000 | $ 65,000 |
| Wood County Wisconsin | 76 | $ 4,235,000 | $ 55,000 | $ 47,000 |
| Manitowoc County Wisconsin | 70 | $ 3,992,000 | $ 57,000 | $ 48,000 |
| Racine County Wisconsin | 66 | $ 5,246,000 | $ 79,000 | $ 53,000 |
| Trempealeau County Wisconsin | 55 | $ 4,473,000 | $ 81,000 | $ 56,000 |
| Polk County Wisconsin | 51 | $ 5,721,000 | $ 112,000 | $ 88,000 |
| Dodge County Minnesota | 50 | $ 4,351,000 | $ 87,000 | $ 63,000 |
| Lincoln County Wisconsin | 50 | $ 3,776,000 | $ 75,000 | $ 54,000 |
| Goodhue County Minnesota | 42 | $ 4,550,000 | $ 108,000 | $ 187,000 |
| Mower County Minnesota | 42 | $ 2,668,000 | $ 63,000 | $ 50,000 |
| Anoka County Minnesota | 41 | $ 6,417,000 | $ 156,000 | $ 60,000 |
| Dodge County Wisconsin | 40 | $ 3,937,000 | $ 98,000 | $ 55,000 |
| Milwaukee County Wisconsin | 39 | $ 5,886,000 | $ 150,000 | $ 71,000 |
| Waukesha County Wisconsin | 35 | $ 8,976,000 | $ 256,000 | $ 71,000 |
| Cook County Illinois | 34 | $ 5,246,000 | $ 154,000 | $ 106,000 |
| Oconto County Wisconsin | 33 | $ 3,232,000 | $ 97,000 | $ 63,000 |
| Winona County Minnesota | 32 | $ 2,873,000 | $ 89,000 | $ 66,000 |
| Iowa County Wisconsin | 32 | $ 3,381,000 | $ 105,000 | $ 60,000 |
| Rock Island County Illinois | 30 | $ 1,901,000 | $ 63,000 | $ 203,000 |
| Stephenson County Illinois | 30 | $ 3,102,000 | $ 103,000 | $ 71,000 |
| Fillmore County Minnesota | 30 | $ 2,301,000 | $ 76,000 | $ 56,000 |
| Grant County Wisconsin | 29 | $ 1,586,000 | $ 54,000 | $ 48,000 |
| Portage County Wisconsin | 29 | $ 2,995,000 | $ 103,000 | $ 52,000 |
| Polk County Iowa | 25 | $ 2,374,000 | $ 94,000 | $ 92,000 |
| Juneau County Wisconsin | 25 | $ 2,304,000 | $ 92,000 | $ 62,000 |
| Waushara County Wisconsin | 25 | $ 1,614,000 | $ 64,000 | $ 57,000 |
| Barron County Wisconsin | 24 | $ 2,813,000 | $ 117,000 | $ 99,000 |
| Adams County Wisconsin | 23 | $ 1,322,000 | $ 57,000 | $ 54,000 |
| Oneida County Wisconsin | 22 | $ 2,993,000 | $ 136,000 | $ 95,000 |
| Sawyer County Wisconsin | 22 | $ 2,895,000 | $ 131,000 | $ 134,000 |
| Jackson County Wisconsin | 21 | $ 1,480,000 | $ 70,000 | $ 55,000 |
| Ogle County Illinois | 19 | $ 1,736,000 | $ 91,000 | $ 60,000 |
| Wabasha County Minnesota | 19 | $ 1,976,000 | $ 104,000 | $ 48,000 |
| Clayton County Iowa | 18 | $ 589,000 | $ 32,000 | $ 44,000 |
| Chisago County Minnesota | 17 | $ 2,728,000 | $ 160,000 | $ 401,000 |
| Rusk County Wisconsin | 17 | $ 1,921,000 | $ 113,000 | $ 80,000 |
| Burnett County Wisconsin | 16 | $ 1,422,000 | $ 88,000 | $ 80,000 |
| Clark County Wisconsin | 16 | $ 1,295,000 | $ 80,000 | $ 67,000 |
| Marinette County Wisconsin | 16 | $ 818,000 | $ 51,000 | $ 51,000 |
| Black Hawk County Iowa | 15 | $ 1,437,000 | $ 95,000 | $ 66,000 |
| Lafayette County Wisconsin | 15 | $ 840,000 | $ 56,000 | $ 41,000 |
| Langlade County Wisconsin | 15 | $ 914,000 | $ 60,000 | $ 50,000 |
| Marquette County Wisconsin | 15 | $ 1,244,000 | $ 82,000 | $ 52,000 |
| Will County Illinois | 14 | $ 1,927,000 | $ 137,000 | $ 85,000 |
| Blue Earth County Minnesota | 13 | $ 947,000 | $ 72,000 | $ 48,000 |
| Lake County Illinois | 12 | $ 999,000 | $ 83,000 | $ 63,000 |
| Kane County Illinois | 11 | $ 1,266,000 | $ 115,000 | $ 71,000 |
| Allamakee County Iowa | 11 | $ 536,000 | $ 48,000 | $ 36,000 |
| Vilas County Wisconsin | 11 | $ 1,391,000 | $ 126,000 | $ 113,000 |
| Washington County Wisconsin | 11 | $ 1,201,000 | $ 109,000 | $ 62,000 |
| Buffalo County Wisconsin | 10 | $ 808,000 | $ 80,000 | $ 60,000 |
| Door County Wisconsin | 10 | $ 943,000 | $ 94,000 | $ 51,000 |
| Green Lake County Wisconsin | 10 | $ 718,000 | $ 71,000 | $ 64,000 |
| Linn County Iowa | 9 | $ 922,000 | $ 102,000 | $ 53,000 |
| Scott County Minnesota | 9 | $ 1,628,000 | $ 180,000 | $ 84,000 |
| Kewaunee County Wisconsin | 9 | $ 625,000 | $ 69,000 | $ 60,000 |
| Pepin County Wisconsin | 9 | $ 672,000 | $ 74,000 | $ 55,000 |
| McHenry County Illinois | 7 | $ 1,199,000 | $ 171,000 | $ 53,000 |
| Dallas County Iowa | 7 | $ 1,030,000 | $ 147,000 | $ 67,000 |
| Des Moines County Iowa | 7 | $ 674,000 | $ 96,000 | $ 61,000 |
| Scott County Iowa | 7 | $ 462,000 | $ 66,000 | $ 109,000 |
| Washburn County Wisconsin | 7 | $ 1,193,000 | $ 170,000 | $ 125,000 |
| DeKalb County Illinois | 6 | $ 591,000 | $ 98,000 | $ 115,000 |
| Clay County Iowa | 6 | $ 423,000 | $ 70,000 | $ 71,000 |
| Freeborn County Minnesota | 6 | $ 320,000 | $ 53,000 | $ 86,000 |
| Aitkin County Minnesota | 5 | $ 470,000 | $ 94,000 | $ 70,000 |
| Faribault County Minnesota | 5 | $ 146,000 | $ 29,000 | $ 55,000 |
| Bayfield County Wisconsin | 5 | $ 715,000 | $ 143,000 | $ 77,000 |
| DuPage County Illinois | 4 | $ 452,000 | $ 113,000 | $ 122,000 |
| Benton County Iowa | 4 | $ 370,000 | $ 92,000 | $ 57,000 |
| Bremer County Iowa | 4 | $ 296,000 | $ 74,000 | $ 65,000 |
| Butler County Iowa | 4 | $ 376,000 | $ 94,000 | $ 86,000 |
| Nicollet County Minnesota | 4 | $ 266,000 | $ 66,000 | $ 37,000 |
| St. Louis County Minnesota | 4 | $ 916,000 | $ 229,000 | $ 144,000 |
| Wright County Minnesota | 4 | $ 568,000 | $ 142,000 | $ 25,000 |
| Ashland County Wisconsin | 4 | $ 505,000 | $ 126,000 | $ 97,000 |
| Douglas County Wisconsin | 4 | $ 512,000 | $ 128,000 | $ 96,000 |
| Kendall County Illinois | 3 | $ 230,000 | $ 76,000 | $ 87,000 |
| Lee County Illinois | 3 | $ 540,000 | $ 180,000 | $ 90,000 |
| Richland County Illinois | 3 | $ 301,000 | $ 100,000 | $ 71,000 |
| Delaware County Iowa | 3 | $ 311,000 | $ 103,000 | $ 62,000 |
| Henry County Iowa | 3 | $ 126,000 | $ 42,000 | $ 51,000 |
| Johnson County Iowa | 3 | $ 544,000 | $ 181,000 | $ 81,000 |
| Sioux County Iowa | 3 | $ 193,000 | $ 64,000 | $ 49,000 |
| Warren County Iowa | 3 | $ 208,000 | $ 69,000 | $ 56,000 |
| Cass County Minnesota | 3 | $ 531,000 | $ 177,000 | $ 299,000 |
| Lake County Minnesota | 3 | $ 572,000 | $ 190,000 | $ 87,000 |
| Pine County Minnesota | 3 | $ 276,000 | $ 92,000 | $ 69,000 |
| Steele County Minnesota | 3 | $ 139,000 | $ 46,000 | $ 54,000 |
| Florence County Wisconsin | 3 | $ 177,000 | $ 59,000 | $ 62,000 |
| Ozaukee County Wisconsin | 3 | $ 559,000 | $ 186,000 | $ 108,000 |
| Price County Wisconsin | 3 | $ 206,000 | $ 68,000 | $ 65,000 |
| Crawford County Illinois | 2 | $ 153,000 | $ 76,000 | $ 37,000 |
| LaSalle County Illinois | 2 | $ 213,000 | $ 106,000 | $ 75,000 |
| Lawrence County Illinois | 2 | $ 74,000 | $ 37,000 | $ 62,000 |
| McLean County Illinois | 2 | $ 223,000 | $ 111,000 | $ 70,000 |
| Buchanan County Iowa | 2 | $ 188,000 | $ 94,000 | $ 67,000 |
| Carroll County Iowa | 2 | $ 206,000 | $ 103,000 | $ 64,000 |
| Cerro Gordo County Iowa | 2 | $ 154,000 | $ 77,000 | $ 82,000 |
| Dubuque County Iowa | 2 | $ 88,000 | $ 44,000 | $ 46,000 |
| Floyd County Iowa | 2 | $ 197,000 | $ 98,000 | $ 37,000 |
| Guthrie County Iowa | 2 | $ 184,000 | $ 92,000 | $ 79,000 |
| Hardin County Iowa | 2 | $ 201,000 | $ 100,000 | $ 44,000 |
| Howard County Iowa | 2 | $ 157,000 | $ 78,000 | $ 31,000 |
| Jackson County Iowa | 2 | $ 165,000 | $ 82,000 | $ 63,000 |
| Jones County Iowa | 2 | $ 199,000 | $ 99,000 | $ 59,000 |
| Mahaska County Iowa | 2 | $ 127,000 | $ 63,000 | $ 97,000 |
| Story County Iowa | 2 | $ 158,000 | $ 79,000 | $ 62,000 |
| Washington County Iowa | 2 | $ 105,000 | $ 52,000 | $ 96,000 |
| Webster County Iowa | 2 | $ 15,000 | $ 7,000 | $ 56,000 |
| Winneshiek County Iowa | 2 | $ 195,000 | $ 97,000 | $ 63,000 |
| Woodbury County Iowa | 2 | $ 94,000 | $ 47,000 | $ 90,000 |
| Benton County Minnesota | 2 | $ 378,000 | $ 189,000 | $ 71,000 |
| Isanti County Minnesota | 2 | $ 66,000 | $ 33,000 | $ 74,000 |
| McLeod County Minnesota | 2 | $ 304,000 | $ 152,000 | $ 149,000 |
| Meeker County Minnesota | 2 | $ 291,000 | $ 145,000 | $ 46,000 |
| Mille Lacs County Minnesota | 2 | $ 115,000 | $ 57,000 | $ 84,000 |
| Menominee County Wisconsin | 2 | $ 489,000 | $ 244,000 | $ 145,000 |
| Taylor County Wisconsin | 2 | $ 109,000 | $ 54,000 | $ 46,000 |
| Orange County Florida | 1 | $ 300,000 | $ 300,000 | $ 85,000 |
| Bureau County Illinois | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Fayette County Illinois | 1 | $ 90,000 | $ 90,000 | $ 51,000 |
| Madison County Illinois | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Peoria County Illinois | 1 | $ 120,000 | $ 120,000 | $ 59,000 |
| Shelby County Illinois | 1 | $ 61,000 | $ 61,000 | $ 20,000 |
| Whiteside County Illinois | 1 | $ 10,000 | $ 10,000 | $ 10,000 |
| Williamson County Illinois | 1 | $ 133,000 | $ 133,000 | $ 90,000 |
| Woodford County Illinois | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Buena Vista County Iowa | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Cass County Iowa | 1 | $ 186,000 | $ 186,000 | $ 71,000 |
| Cedar County Iowa | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Clinton County Iowa | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| Crawford County Iowa | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Fayette County Iowa | 1 | $ 31,000 | $ 31,000 | $ 34,000 |
| Hamilton County Iowa | 1 | $ 244,000 | $ 244,000 | $ 58,000 |
| Hancock County Iowa | 1 | $ 184,000 | $ 184,000 | $ 95,000 |
| Harrison County Iowa | 1 | $ 67,000 | $ 67,000 | $ 36,000 |
| Humboldt County Iowa | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| Jasper County Iowa | 1 | $ 101,000 | $ 101,000 | $ 74,000 |
| Jefferson County Iowa | 1 | $ 106,000 | $ 106,000 | $ 92,000 |
| Keokuk County Iowa | 1 | $ 87,000 | $ 87,000 | $ 65,000 |
| Lee County Iowa | 1 | $ 29,000 | $ 29,000 | $ 65,000 |
| Madison County Iowa | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Marion County Iowa | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Monona County Iowa | 1 | $ 10,000 | $ 10,000 | $ 68,000 |
| Montgomery County Iowa | 1 | $ 49,000 | $ 49,000 | $ 47,000 |
| Plymouth County Iowa | 1 | $ 127,000 | $ 127,000 | $ 91,000 |
| Pottawattamie County Iowa | 1 | $ 129,000 | $ 129,000 | $ 63,000 |
| Sac County Iowa | 1 | $ 38,000 | $ 38,000 | $ 41,000 |
| Beltrami County Minnesota | 1 | $ 124,000 | $ 124,000 | $ 99,000 |
| Carlton County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Carver County Minnesota | 1 | $ 222,000 | $ 222,000 | $ 62,000 |
| Crow Wing County Minnesota | 1 | $ 297,000 | $ 297,000 | $ 90,000 |
| Douglas County Minnesota | 1 | $ 90,000 | $ 90,000 | $ 257,000 |
| Itasca County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 6,000 |
| Koochiching County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Lake of the Woods County Minnesota | 1 | $ 147,000 | $ 147,000 | $ 24,000 |
| Morrison County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 85,000 |
| Otter Tail County Minnesota | 1 | $ 78,000 | $ 78,000 | $ 48,000 |
| Rice County Minnesota | 1 | $ 98,000 | $ 98,000 | $ 78,000 |
| Sherburne County Minnesota | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Stearns County Minnesota | 1 | $ 131,000 | $ 131,000 | $ 131,000 |
| Waseca County Minnesota | 1 | $ 12,000 | $ 12,000 | $ 44,000 |
| Forest County Wisconsin | 1 | $ 22,000 | $ 22,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for First Federal Capital Bank in 2004
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 | 8,523 | $857,553,000 | $99,750 | $3,800,000 | $65,500 | $2,054,000 |
| Home Purchase | 6,662 | $839,733,000 | $145,333 | $4,100,000 | $72,166 | $5,305,000 |
| Home Improvement | 2,702 | $58,933,000 | $26,250 | $689,000 | $64,250 | $886,000 |
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 | 16,048 | $1,582,270,000 | $131,166 | $3,800,000 | $65,166 | $2,054,000 |
| Hispanic | 539 | $44,328,000 | $92,500 | $515,000 | $60,250 | $2,054,000 |
| Asian | 464 | $51,100,000 | $127,800 | $622,000 | $66,400 | $376,000 |
| Not Provided | 368 | $15,356,000 | $48,600 | $326,000 | $68,800 | $1,197,000 |
| Black or African American | 206 | $19,193,000 | $97,750 | $720,000 | $70,250 | $420,000 |
| Not applicable | 123 | $32,218,000 | $252,000 | $4,100,000 | $110,500 | $5,305,000 |
| American Indian or Alaskan Native | 115 | $9,195,000 | $90,600 | $319,000 | $50,400 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $2,559,000 | $123,333 | $450,000 | $58,666 | $107,000 |
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) | 17,608 | $1,725,963,000 | $131,333 | $4,100,000 | $68,000 | $5,305,000 |
| VA-guaranteed (Veterans Administration) | 121 | $15,429,000 | $122,500 | $285,000 | $54,750 | $184,000 |
| FHA-insured (Federal Housing Administration) | 119 | $10,412,000 | $94,000 | $208,000 | $38,250 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,415,000 | $108,500 | $194,000 | $39,000 | $80,000 |
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 | 14,712 | $1,443,324,000 | $136,000 | $4,100,000 | $77,800 | $5,305,000 |
| Preapproval Approved but not Accepted | 796 | $99,352,000 | $124,000 | $540,000 | $47,000 | $397,000 |
| Application Denied By Financial Institution | 777 | $45,246,000 | $54,250 | $3,800,000 | $44,500 | $685,000 |
| Preapproval Denied by Financial Institution | 544 | $53,338,000 | $98,000 | $672,000 | $37,000 | $360,000 |
| Application Withdrawn By Applicant | 458 | $62,785,000 | $135,000 | $1,800,000 | $64,250 | $519,000 |
| Application Approved But Not Accepted | 410 | $35,008,000 | $72,500 | $374,000 | $78,750 | $420,000 |
| File Closed For Incompleteness | 190 | $17,166,000 | $91,250 | $475,000 | $55,250 | $267,000 |
| Loan Purchased By The 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 | 846 | $56,200,000 | $45,400 | $360,000 | $42,400 | $685,000 |
| Debt-To-Income Ratio | 341 | $28,651,000 | $80,400 | $750,000 | $37,800 | $141,000 |
| Collateral | 57 | $3,546,000 | $75,000 | $342,000 | $64,500 | $138,000 |
| Other | 32 | $7,128,000 | $180,000 | $3,800,000 | $50,000 | $165,000 |
| Employment History | 27 | $1,513,000 | $47,000 | $139,000 | $45,750 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,308,000 | $108,250 | $279,000 | $53,500 | $71,000 |
| Unverifiable Information | 5 | $162,000 | $40,000 | $52,000 | $75,666 | $173,000 |
| Credit Application Incomplete | 1 | $76,000 | $76,000 | $76,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Capital Bank's 2004 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 First Federal Capital Bank'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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.