Summit Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Summit Credit Union 2013 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 | Summit Credit Union Po Box 8046 Cottage Grove, WI 53708 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,242 |
| Total Mortgage Loan Application Amount | $680,542,000 |
| Average Mortgage Loan Application Amount | $113,333 |
| Highest Mortgage Loan Application Amount | $1,104,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $2,160,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Summit Credit Union. 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 Summit Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Summit Credit Union'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 Summit Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Summit Credit Union, 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 Summit Credit Union's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dane County Wisconsin | 2,997 | $ 447,383,000 | $ 149,000 | $ 88,000 |
| Milwaukee County Wisconsin | 481 | $ 29,683,000 | $ 61,000 | $ 75,000 |
| Columbia County Wisconsin | 405 | $ 46,696,000 | $ 115,000 | $ 71,000 |
| Sauk County Wisconsin | 242 | $ 24,610,000 | $ 101,000 | $ 76,000 |
| Waukesha County Wisconsin | 192 | $ 27,916,000 | $ 145,000 | $ 96,000 |
| Jefferson County Wisconsin | 160 | $ 19,538,000 | $ 122,000 | $ 75,000 |
| Rock County Wisconsin | 89 | $ 8,975,000 | $ 100,000 | $ 75,000 |
| Dodge County Wisconsin | 88 | $ 9,064,000 | $ 103,000 | $ 65,000 |
| Marquette County Wisconsin | 65 | $ 6,091,000 | $ 93,000 | $ 75,000 |
| Green County Wisconsin | 57 | $ 8,548,000 | $ 149,000 | $ 93,000 |
| Adams County Wisconsin | 43 | $ 3,349,000 | $ 77,000 | $ 64,000 |
| Iowa County Wisconsin | 35 | $ 3,417,000 | $ 97,000 | $ 76,000 |
| Washington County Wisconsin | 33 | $ 4,026,000 | $ 122,000 | $ 82,000 |
| Racine County Wisconsin | 32 | $ 3,248,000 | $ 101,000 | $ 75,000 |
| Ozaukee County Wisconsin | 19 | $ 4,071,000 | $ 214,000 | $ 211,000 |
| Fond du Lac County Wisconsin | 17 | $ 2,137,000 | $ 125,000 | $ 81,000 |
| Oneida County Wisconsin | 17 | $ 2,314,000 | $ 136,000 | $ 86,000 |
| Green Lake County Wisconsin | 15 | $ 1,682,000 | $ 112,000 | $ 60,000 |
| Juneau County Wisconsin | 15 | $ 1,599,000 | $ 106,000 | $ 74,000 |
| Walworth County Wisconsin | 15 | $ 2,108,000 | $ 140,000 | $ 87,000 |
| Waushara County Wisconsin | 15 | $ 2,101,000 | $ 140,000 | $ 72,000 |
| Vilas County Wisconsin | 14 | $ 1,917,000 | $ 136,000 | $ 159,000 |
| La Crosse County Wisconsin | 11 | $ 818,000 | $ 74,000 | $ 58,000 |
| Richland County Wisconsin | 11 | $ 907,000 | $ 82,000 | $ 62,000 |
| Sheboygan County Wisconsin | 11 | $ 1,265,000 | $ 115,000 | $ 85,000 |
| Eau Claire County Wisconsin | 9 | $ 803,000 | $ 89,000 | $ 130,000 |
| Portage County Wisconsin | 9 | $ 962,000 | $ 106,000 | $ 101,000 |
| Brown County Wisconsin | 8 | $ 679,000 | $ 84,000 | $ 129,000 |
| Marathon County Wisconsin | 8 | $ 716,000 | $ 89,000 | $ 56,000 |
| Outagamie County Wisconsin | 8 | $ 1,082,000 | $ 135,000 | $ 61,000 |
| Kenosha County Wisconsin | 7 | $ 774,000 | $ 110,000 | $ 67,000 |
| Lafayette County Wisconsin | 6 | $ 818,000 | $ 136,000 | $ 57,000 |
| Sawyer County Wisconsin | 6 | $ 821,000 | $ 136,000 | $ 86,000 |
| Shawano County Wisconsin | 6 | $ 606,000 | $ 101,000 | $ 90,000 |
| Winnebago County Wisconsin | 6 | $ 630,000 | $ 105,000 | $ 83,000 |
| Chippewa County Wisconsin | 5 | $ 694,000 | $ 138,000 | $ 70,000 |
| Douglas County Wisconsin | 5 | $ 353,000 | $ 70,000 | $ 68,000 |
| Grant County Wisconsin | 5 | $ 211,000 | $ 42,000 | $ 42,000 |
| Iron County Wisconsin | 5 | $ 476,000 | $ 95,000 | $ 61,000 |
| Lincoln County Wisconsin | 5 | $ 616,000 | $ 123,000 | $ 76,000 |
| Price County Wisconsin | 5 | $ 397,000 | $ 79,000 | $ 96,000 |
| Vernon County Wisconsin | 5 | $ 533,000 | $ 106,000 | $ 93,000 |
| Langlade County Wisconsin | 4 | $ 389,000 | $ 97,000 | $ 79,000 |
| Manitowoc County Wisconsin | 4 | $ 286,000 | $ 71,000 | $ 92,000 |
| Barron County Wisconsin | 3 | $ 305,000 | $ 101,000 | $ 62,000 |
| Bayfield County Wisconsin | 3 | $ 400,000 | $ 133,000 | $ 49,000 |
| Crawford County Wisconsin | 3 | $ 240,000 | $ 80,000 | $ 73,000 |
| Door County Wisconsin | 3 | $ 499,000 | $ 166,000 | $ 66,000 |
| Jackson County Wisconsin | 3 | $ 181,000 | $ 60,000 | $ 64,000 |
| St. Croix County Wisconsin | 3 | $ 624,000 | $ 208,000 | $ 101,000 |
| Washburn County Wisconsin | 3 | $ 580,000 | $ 193,000 | $ 137,000 |
| Wood County Wisconsin | 3 | $ 478,000 | $ 159,000 | $ 74,000 |
| Ashland County Wisconsin | 2 | $ 195,000 | $ 97,000 | $ 53,000 |
| Burnett County Wisconsin | 2 | $ 177,000 | $ 88,000 | $ 67,000 |
| Calumet County Wisconsin | 2 | $ 132,000 | $ 66,000 | $ 31,000 |
| Clark County Wisconsin | 2 | $ 544,000 | $ 272,000 | $ 150,000 |
| Oconto County Wisconsin | 2 | $ 274,000 | $ 137,000 | $ 66,000 |
| Taylor County Wisconsin | 2 | $ 77,000 | $ 38,000 | $ 76,000 |
| Maricopa County Arizona | 1 | $ 5,000 | $ 5,000 | $ 69,000 |
| Lake County Florida | 1 | $ 17,000 | $ 17,000 | $ 72,000 |
| Indiana County Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 29,000 |
| Dallas County Texas | 1 | $ 2,000 | $ 2,000 | $ 87,000 |
| El Paso County Texas | 1 | $ 7,000 | $ 7,000 | $ 19,000 |
| Florence County Wisconsin | 1 | $ 66,000 | $ 66,000 | $ 143,000 |
| Kewaunee County Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 110,000 |
| Monroe County Wisconsin | 1 | $ 61,000 | $ 61,000 | $ 125,000 |
| Polk County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 125,000 |
| Waupaca County Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Summit Credit Union in 2013
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 | 3,510 | $473,455,000 | $134,000 | $1,104,000 | $84,000 | $962,000 |
| Home Purchase | 1,068 | $183,675,000 | $171,000 | $833,000 | $83,000 | $555,000 |
| Home Improvement | 664 | $23,412,000 | $35,000 | $400,000 | $82,000 | $2,160,000 |
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 | 4,864 | $640,287,000 | $131,000 | $1,104,000 | $84,000 | $2,160,000 |
| Hispanic | 136 | $13,837,000 | $101,000 | $381,000 | $66,000 | $192,000 |
| Black or African American | 123 | $8,606,000 | $69,000 | $417,000 | $68,000 | $225,000 |
| Asian | 90 | $13,557,000 | $150,000 | $750,000 | $96,000 | $455,000 |
| American Indian or Alaskan Native | 21 | $3,014,000 | $143,000 | $342,000 | $74,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,241,000 | $155,000 | $213,000 | $91,000 | $144,000 |
| Not applicable | 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) | 5,242 | $680,542,000 | $129,000 | $1,104,000 | $84,000 | $2,160,000 |
| 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 | 4,284 | $566,463,000 | $132,000 | $1,104,000 | $86,000 | $957,000 |
| Application Withdrawn By Applicant | 499 | $59,507,000 | $119,000 | $730,000 | $82,000 | $2,160,000 |
| Application Denied By Financial Institution | 401 | $45,696,000 | $113,000 | $406,000 | $64,000 | $590,000 |
| Application Approved But Not Accepted | 57 | $8,822,000 | $154,000 | $616,000 | $76,000 | $270,000 |
| Preapproval Denied by Financial Institution | 1 | $54,000 | $54,000 | $54,000 | $26,000 | $26,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 160 | $15,874,000 | $99,000 | $350,000 | $64,000 | $411,000 |
| Debt-To-Income Ratio | 84 | $10,507,000 | $125,000 | $397,000 | $41,000 | $142,000 |
| Collateral | 76 | $9,142,000 | $120,000 | $403,000 | $78,000 | $185,000 |
| Other | 22 | $1,453,000 | $66,000 | $207,000 | $61,000 | $183,000 |
| Credit Application Incomplete | 6 | $682,000 | $113,000 | $400,000 | $76,000 | $155,000 |
| Employment History | 4 | $690,000 | $172,000 | $271,000 | $50,000 | $70,000 |
| Unverifiable Information | 3 | $295,000 | $98,000 | $185,000 | $56,000 | $69,000 |
| 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 Summit Credit Union's 2013 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 Summit Credit Union'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.