First National Bank - Fox Vall Mortgage Lending & HMDA Data, 2009
In 2009, First National Bank - Fox Vall of Neenah, WI reported 349 mortgage applications totaling $60.0 million, up 38% from 2008. The average application was for $171,825, and applicants reported an average income of $129,618. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Oshkosh-Neenah, WI (220) and Appleton, WI (79).
| 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 | 349 |
| Total Mortgage Loan Application Amount | $59,967,000 |
| Average Mortgage Loan Application Amount | $171,825 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $129,618 |
| Highest Applicant Income | $2,564,000 |
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records First National Bank - Fox Vall filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oshkosh-Neenah, WI | 220 | $ 36,038,000 | $ 163,809 | $ 114,000 |
| Appleton, WI | 79 | $ 14,440,000 | $ 182,784 | $ 143,000 |
Mortgage Loan Application Detail Totals for First National Bank - Fox Vall in 2009
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 | 292 | $53,692,000 | $183,000 | $1,200,000 | $142,000 | $2,564,000 |
| Home Purchase | 49 | $6,097,000 | $124,000 | $340,000 | $69,000 | $367,000 |
| Home Improvement | 8 | $178,000 | $22,000 | $48,000 | $49,000 | $148,000 |
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 | 293 | $52,518,000 | $179,000 | $1,200,000 | $153,000 | $2,564,000 |
| Not applicable | 49 | $6,270,000 | $127,000 | $812,000 | $1,000 | $87,000 |
| Not Provided | 6 | $1,026,000 | $171,000 | $400,000 | $84,000 | $291,000 |
| Asian | 1 | $153,000 | $153,000 | $153,000 | $40,000 | $40,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 331 | $57,799,000 | $174,000 | $1,200,000 | $135,000 | $2,564,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,168,000 | $120,000 | $209,000 | $41,000 | $110,000 |
| 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 | 284 | $48,687,000 | $171,000 | $1,200,000 | $139,000 | $2,564,000 |
| Application Withdrawn By Applicant | 36 | $6,098,000 | $169,000 | $417,000 | $82,000 | $331,000 |
| Application Denied By Financial Institution | 29 | $5,182,000 | $178,000 | $417,000 | $101,000 | $307,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $2,040,000 | $185,000 | $417,000 | $132,000 | $304,000 |
| Credit History | 10 | $1,606,000 | $160,000 | $400,000 | $78,000 | $291,000 |
| Debt-To-Income Ratio | 6 | $1,060,000 | $176,000 | $417,000 | $45,000 | $72,000 |
| Employment History | 1 | $241,000 | $241,000 | $241,000 | $307,000 | $307,000 |
| Unverifiable Information | 1 | $235,000 | $235,000 | $235,000 | $125,000 | $125,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank - Fox Vall's 2009 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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