First National Bank - Fox Vall Mortgage Lending & HMDA Data, 2015
In 2015, First National Bank - Fox Vall of Neenah, WI reported 407 mortgage applications totaling $62.1 million, up 30% from 2014. The average application was for $152,660, and applicants reported an average income of $89,864. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Oshkosh-Neenah, WI (177), Appleton, WI (155) and Green Bay, WI (11) (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 | 407 |
| Total Mortgage Loan Application Amount | $62,133,000 |
| Average Mortgage Loan Application Amount | $152,660 |
| Highest Mortgage Loan Application Amount | $1,145,000 |
| Average Applicant Income | $89,864 |
| Highest Applicant Income | $882,000 |
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records First National Bank - Fox Vall filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 177 | $ 23,876,000 | $ 134,892 | $ 77,000 |
| Appleton, WI | 155 | $ 24,605,000 | $ 158,741 | $ 95,000 |
| Green Bay, WI | 11 | $ 1,596,000 | $ 145,090 | $ 81,000 |
| Fond Du Lac, WI | 4 | $ 516,000 | $ 129,000 | $ 94,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,184,000 | $ 296,000 | $ 114,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,455,000 | $ 727,500 | $ 568,000 |
| Wausau, WI | 2 | $ 115,000 | $ 57,500 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 198,000 | $ 198,000 | $ 120,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 178,000 |
| Madison, WI | 1 | $ 184,000 | $ 184,000 | $ 124,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 198,000 | $ 198,000 | $ 334,000 |
| San Diego-Carlsbad, CA | 1 | $ 183,000 | $ 183,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for First National Bank - Fox Vall in 2015
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 | 204 | $33,011,000 | $161,000 | $1,145,000 | $95,000 | $882,000 |
| Home Purchase | 183 | $27,349,000 | $149,000 | $441,000 | $85,000 | $368,000 |
| Home Improvement | 20 | $1,773,000 | $88,000 | $294,000 | $82,000 | $311,000 |
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 | 367 | $57,144,000 | $155,000 | $1,145,000 | $97,000 | $882,000 |
| Not applicable | 30 | $3,420,000 | $114,000 | $441,000 | $0 | $0 |
| Asian | 4 | $589,000 | $147,000 | $290,000 | $59,000 | $84,000 |
| Hispanic | 3 | $471,000 | $157,000 | $185,000 | $67,000 | $94,000 |
| Black or African American | 2 | $472,000 | $236,000 | $310,000 | $184,000 | $254,000 |
| American Indian or Alaskan Native | 1 | $37,000 | $37,000 | $37,000 | $52,000 | $52,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 407 | $62,133,000 | $152,000 | $1,145,000 | $90,000 | $882,000 |
| 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 | 310 | $47,876,000 | $154,000 | $1,145,000 | $97,000 | $882,000 |
| Application Withdrawn By Applicant | 47 | $6,916,000 | $147,000 | $358,000 | $69,000 | $173,000 |
| Application Denied By Financial Institution | 32 | $4,833,000 | $151,000 | $441,000 | $71,000 | $252,000 |
| Preapproval Denied by Financial Institution | 13 | $1,783,000 | $137,000 | $347,000 | $45,000 | $97,000 |
| Application Approved But Not Accepted | 5 | $725,000 | $145,000 | $246,000 | $95,000 | $136,000 |
| 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 |
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 | 15 | $2,073,000 | $138,000 | $250,000 | $69,000 | $127,000 |
| Collateral | 12 | $2,264,000 | $188,000 | $441,000 | $93,000 | $252,000 |
| Debt-To-Income Ratio | 10 | $1,523,000 | $152,000 | $347,000 | $37,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $446,000 | $89,000 | $121,000 | $41,000 | $63,000 |
| Employment History | 2 | $192,000 | $96,000 | $107,000 | $34,000 | $48,000 |
| Other | 1 | $118,000 | $118,000 | $118,000 | $58,000 | $58,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank - Fox Vall's 2015 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
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