First National Bank Of Waupaca
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First National Bank Of Waupaca 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First National Bank Of Waupaca 402 N. 8Th St. Manitowoc, WI 54221 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 530 |
| Total Mortgage Loan Application Amount | $50,378,000 |
| Average Mortgage Loan Application Amount | $86,333 |
| Highest Mortgage Loan Application Amount | $1,146,000 |
| Average Applicant Income | $58,333 |
| Highest Applicant Income | $536,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First National Bank Of Waupaca. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First National Bank Of Waupaca's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First National Bank Of Waupaca's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First National Bank Of Waupaca serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank Of Waupaca, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First National Bank Of Waupaca's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Waupaca County Wisconsin | 284 | $ 26,009,000 | $ 91,000 | $ 54,000 |
| Gray County Texas | 50 | $ 2,742,000 | $ 54,000 | $ 65,000 |
| Barron County Wisconsin | 42 | $ 4,016,000 | $ 95,000 | $ 46,000 |
| Portage County Wisconsin | 24 | $ 2,949,000 | $ 122,000 | $ 46,000 |
| Outagamie County Wisconsin | 23 | $ 1,832,000 | $ 79,000 | $ 65,000 |
| Shawano County Wisconsin | 22 | $ 2,759,000 | $ 125,000 | $ 60,000 |
| Wheeler County Texas | 21 | $ 997,000 | $ 47,000 | $ 72,000 |
| Waushara County Wisconsin | 11 | $ 596,000 | $ 54,000 | $ 104,000 |
| Winnebago County Wisconsin | 6 | $ 626,000 | $ 104,000 | $ 65,000 |
| Childress County Texas | 5 | $ 242,000 | $ 48,000 | $ 51,000 |
| Rusk County Wisconsin | 5 | $ 299,000 | $ 59,000 | $ 33,000 |
| Langlade County Wisconsin | 3 | $ 70,000 | $ 23,000 | $ 52,000 |
| Hutchinson County Texas | 2 | $ 20,000 | $ 10,000 | $ 115,000 |
| Brown County Wisconsin | 2 | $ 57,000 | $ 28,000 | $ 103,000 |
| Marinette County Wisconsin | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Milwaukee County Wisconsin | 2 | $ 258,000 | $ 129,000 | $ 28,000 |
| Polk County Wisconsin | 2 | $ 946,000 | $ 473,000 | $ 25,000 |
| Vilas County Wisconsin | 2 | $ 372,000 | $ 186,000 | $ 153,000 |
| Boone County Illinois | 1 | $ 950,000 | $ 950,000 | $ 107,000 |
| Menominee County Michigan | 1 | $ 4,000 | $ 4,000 | $ 85,000 |
| Washington County Minnesota | 1 | $ 163,000 | $ 163,000 | $ 167,000 |
| Union County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 132,000 |
| Miner County South Dakota | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Carson County Texas | 1 | $ 14,000 | $ 14,000 | $ 36,000 |
| Collingsworth County Texas | 1 | $ 257,000 | $ 257,000 | $ 158,000 |
| Dallas County Texas | 1 | $ 1,146,000 | $ 1,146,000 | $ 306,000 |
| Howard County Texas | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Montgomery County Texas | 1 | $ 200,000 | $ 200,000 | $ 298,000 |
| Randall County Texas | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Ashland County Wisconsin | 1 | $ 44,000 | $ 44,000 | $ 62,000 |
| Calumet County Wisconsin | 1 | $ 32,000 | $ 32,000 | $ 63,000 |
| Chippewa County Wisconsin | 1 | $ 13,000 | $ 13,000 | $ 31,000 |
| Green Lake County Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Marathon County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 87,000 |
| Oconto County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Oneida County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 42,000 |
| Ozaukee County Wisconsin | 1 | $ 533,000 | $ 533,000 | $ 189,000 |
| Sawyer County Wisconsin | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Taylor County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 258,000 |
Mortgage Loan Application Detail Totals for First National Bank Of Waupaca in 2010
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 | 251 | $29,491,000 | $117,000 | $1,100,000 | $60,000 | $339,000 |
| Home Purchase | 155 | $15,311,000 | $98,000 | $1,146,000 | $61,000 | $536,000 |
| Home Improvement | 124 | $5,576,000 | $44,000 | $461,000 | $54,000 | $211,000 |
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 | 474 | $43,242,000 | $91,000 | $1,146,000 | $64,000 | $536,000 |
| Not applicable | 40 | $6,210,000 | $155,000 | $1,100,000 | $0 | $0 |
| Hispanic | 14 | $613,000 | $43,000 | $125,000 | $57,000 | $139,000 |
| American Indian or Alaskan Native | 1 | $272,000 | $272,000 | $272,000 | $117,000 | $117,000 |
| Asian | 1 | $41,000 | $41,000 | $41,000 | $24,000 | $24,000 |
| Black or African American | 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) | 529 | $50,268,000 | $95,000 | $1,146,000 | $59,000 | $536,000 |
| FHA-insured (Federal Housing Administration) | 1 | $110,000 | $110,000 | $110,000 | $211,000 | $211,000 |
| 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 | 495 | $48,395,000 | $97,000 | $1,146,000 | $59,000 | $536,000 |
| Application Denied By Financial Institution | 32 | $1,866,000 | $58,000 | $238,000 | $56,000 | $211,000 |
| Application Withdrawn By Applicant | 3 | $117,000 | $39,000 | $76,000 | $69,000 | $105,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 19 | $911,000 | $47,000 | $108,000 | $43,000 | $122,000 |
| Debt-To-Income Ratio | 5 | $542,000 | $108,000 | $238,000 | $65,000 | $120,000 |
| Collateral | 4 | $291,000 | $72,000 | $129,000 | $125,000 | $211,000 |
| Employment History | 3 | $100,000 | $33,000 | $65,000 | $38,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $22,000 | $22,000 | $22,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Of Waupaca's 2010 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 Of Waupaca'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.