First National Bank - Fox Vall Mortgage Lending & HMDA Data, 2016
In 2016, First National Bank - Fox Vall of Neenah, WI reported 476 mortgage applications totaling $81.9 million, up 17% from 2015. The average application was for $172,075, and applicants reported an average income of $123,285. 77% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Appleton, WI (193), Oshkosh-Neenah, WI (163) and Green Bay, WI (14) (applications in parentheses).
| Mortgage Company & Address | First National Bank - Fox Vall 550 S. Green Bay Road Neenah, WI 54956 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 476 |
| Total Mortgage Loan Application Amount | $81,908,000 |
| Average Mortgage Loan Application Amount | $172,075 |
| Highest Mortgage Loan Application Amount | $563,000 |
| Average Applicant Income | $123,285 |
| Highest Applicant Income | $3,434,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank - Fox Vall filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for First National Bank - Fox Vall 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 |
|---|---|---|---|---|---|---|
| Refinancing | 248 | $47,741,000 | $192,000 | $563,000 | $140,000 | $3,434,000 |
| Home Purchase | 208 | $31,976,000 | $153,000 | $540,000 | $103,000 | $1,436,000 |
| Home Improvement | 20 | $2,191,000 | $109,000 | $400,000 | $127,000 | $302,000 |
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 | 433 | $76,248,000 | $176,000 | $563,000 | $132,000 | $3,434,000 |
| Not applicable | 26 | $2,351,000 | $90,000 | $240,000 | $0 | $0 |
| Asian | 9 | $1,812,000 | $201,000 | $400,000 | $113,000 | $313,000 |
| Hispanic | 5 | $1,115,000 | $223,000 | $288,000 | $78,000 | $153,000 |
| American Indian or Alaskan Native | 2 | $239,000 | $119,000 | $142,000 | $57,000 | $79,000 |
| Black or African American | 1 | $143,000 | $143,000 | $143,000 | $51,000 | $51,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 476 | $81,908,000 | $172,000 | $563,000 | $123,000 | $3,434,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 366 | $64,780,000 | $176,000 | $563,000 | $118,000 | $1,244,000 |
| Application Withdrawn By Applicant | 66 | $10,354,000 | $156,000 | $500,000 | $151,000 | $3,434,000 |
| Application Denied By Financial Institution | 42 | $6,571,000 | $156,000 | $383,000 | $128,000 | $1,436,000 |
| Application Approved But Not Accepted | 1 | $12,000 | $12,000 | $12,000 | $60,000 | $60,000 |
| File Closed For Incompleteness | 1 | $191,000 | $191,000 | $191,000 | $67,000 | $67,000 |
| Loan Purchased By The Institution | 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 | 19 | $2,609,000 | $137,000 | $361,000 | $161,000 | $1,436,000 |
| Debt-To-Income Ratio | 12 | $1,683,000 | $140,000 | $360,000 | $71,000 | $225,000 |
| Collateral | 6 | $1,408,000 | $234,000 | $383,000 | $210,000 | $357,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $490,000 | $163,000 | $185,000 | $41,000 | $53,000 |
| Other | 2 | $381,000 | $190,000 | $248,000 | $46,000 | $53,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank - Fox Vall'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 First National Bank - Fox Vall'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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