First National Bank - Fox Vall Mortgage Lending & HMDA Data, 2011
In 2011, First National Bank - Fox Vall of Neenah, WI reported 377 mortgage applications totaling $62.8 million, down 20% from 2010. The average application was for $166,506, and applicants reported an average income of $147,204. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Oshkosh-Neenah, WI (210), Appleton, WI (125) and Green Bay, WI (5) (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 | 377 |
| Total Mortgage Loan Application Amount | $62,773,000 |
| Average Mortgage Loan Application Amount | $166,506 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $147,204 |
| Highest Applicant Income | $3,421,000 |
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records First National Bank - Fox Vall filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 210 | $ 35,127,000 | $ 167,271 | $ 154,000 |
| Appleton, WI | 125 | $ 18,836,000 | $ 150,688 | $ 95,000 |
| Green Bay, WI | 5 | $ 1,106,000 | $ 221,200 | $ 178,000 |
| Madison, WI | 3 | $ 732,000 | $ 244,000 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 149,000 | $ 74,500 | $ 105,000 |
| Fond Du Lac, WI | 2 | $ 233,000 | $ 116,500 | $ 70,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 354,000 | $ 177,000 | $ 126,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 567,000 | $ 567,000 | $ 426,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 98,000 | $ 98,000 | $ 78,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for First National Bank - Fox Vall in 2011
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 | 291 | $50,062,000 | $172,000 | $1,120,000 | $158,000 | $3,421,000 |
| Home Purchase | 69 | $10,034,000 | $145,000 | $1,000,000 | $117,000 | $1,023,000 |
| Home Improvement | 17 | $2,677,000 | $157,000 | $625,000 | $85,000 | $255,000 |
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 | 351 | $58,854,000 | $167,000 | $1,000,000 | $158,000 | $3,421,000 |
| Not applicable | 24 | $3,800,000 | $158,000 | $1,120,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $45,000 | $45,000 |
| Asian | 1 | $84,000 | $84,000 | $84,000 | $80,000 | $80,000 |
| 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 |
| 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) | 376 | $62,646,000 | $166,000 | $1,120,000 | $147,000 | $3,421,000 |
| FHA-insured (Federal Housing Administration) | 1 | $127,000 | $127,000 | $127,000 | $69,000 | $69,000 |
| 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 | 319 | $55,536,000 | $174,000 | $1,120,000 | $158,000 | $3,421,000 |
| Application Withdrawn By Applicant | 37 | $4,281,000 | $115,000 | $350,000 | $71,000 | $359,000 |
| Application Denied By Financial Institution | 21 | $2,956,000 | $140,000 | $417,000 | $114,000 | $1,299,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $949,000 | $94,000 | $197,000 | $52,000 | $80,000 |
| Debt-To-Income Ratio | 6 | $1,088,000 | $181,000 | $417,000 | $58,000 | $73,000 |
| Collateral | 4 | $765,000 | $191,000 | $417,000 | $361,000 | $1,299,000 |
| Other | 1 | $154,000 | $154,000 | $154,000 | $79,000 | $79,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank - Fox Vall's 2011 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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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