First National Bank - Fox Vall Mortgage Lending & HMDA Data, 2003
In 2003, First National Bank - Fox Vall of Neenah, WI reported 629 mortgage applications totaling $80.7 million. The average application was for $128,284, and applicants reported an average income of $65,793. 94% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Appleton-Oshkosh-Neenah, WI (582) and Green Bay, WI (1).
| 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 | 629 |
| Total Mortgage Loan Application Amount | $80,691,000 |
| Average Mortgage Loan Application Amount | $128,284 |
| Highest Mortgage Loan Application Amount | $1,373,000 |
| Average Applicant Income | $65,793 |
| Highest Applicant Income | $960,000 |
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records First National Bank - Fox Vall filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 (home purchase or home improvement, one-to-four family) | 426 | $55,824,000 | $118,000 | $650,000 | $90,000 | $750,000 |
| Home Purchase (one-to-four family) | 171 | $18,371,000 | $115,000 | $333,000 | $64,500 | $960,000 |
| Home Improvement (one-to-four family) | 20 | $914,000 | $45,000 | $379,000 | $59,000 | $377,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 12 | $5,582,000 | $465,000 | $1,373,000 | $0 | $0 |
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 | 581 | $71,835,000 | $112,333 | $650,000 | $82,333 | $960,000 |
| Not applicable | 45 | $8,522,000 | $189,000 | $1,373,000 | $3,000 | $76,000 |
| Black | 3 | $334,000 | $108,500 | $176,000 | $59,500 | $93,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 629 | $80,691,000 | $113,666 | $1,373,000 | $78,333 | $960,000 |
| 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 | 592 | $75,866,000 | $114,000 | $1,373,000 | $80,000 | $960,000 |
| Application Withdrawn By Applicant | 20 | $2,697,000 | $136,500 | $284,000 | $66,500 | $124,000 |
| Application Denied By Financial Institution | 16 | $2,037,000 | $124,000 | $379,000 | $61,500 | $225,000 |
| Application Approved But Not Accepted | 1 | $91,000 | $91,000 | $91,000 | $64,000 | $64,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8 | $693,000 | $100,500 | $125,000 | $60,000 | $225,000 |
| Debt-To-Income Ratio | 4 | $913,000 | $228,000 | $379,000 | $68,000 | $93,000 |
| Collateral | 2 | $242,000 | $121,000 | $200,000 | $82,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $98,000 | $98,000 | $98,000 | $30,000 | $30,000 |
| Other | 1 | $91,000 | $91,000 | $91,000 | $0 | $0 |
| 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 2003 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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