Summit Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Summit Credit Union 2019 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 | 16,895 |
| Total Mortgage Loan Application Amount | $2,146,065,000 |
| Average Mortgage Loan Application Amount | $120,600 |
| Highest Mortgage Loan Application Amount | $2,155,000 |
| Average Applicant Income | $100,400 |
| Highest Applicant Income | $3,887,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 7,341 | $ 968,755,000 | $ 131,000 | $ 109,000 |
| Waukesha County Wisconsin | 1,297 | $ 159,805,000 | $ 123,000 | $ 118,000 |
| Milwaukee County Wisconsin | 1,130 | $ 100,610,000 | $ 89,000 | $ 95,000 |
| Columbia County Wisconsin | 1,093 | $ 109,245,000 | $ 99,000 | $ 89,000 |
| Sauk County Wisconsin | 764 | $ 69,320,000 | $ 90,000 | $ 92,000 |
| Rock County Wisconsin | 622 | $ 58,370,000 | $ 93,000 | $ 91,000 |
| Jefferson County Wisconsin | 592 | $ 65,840,000 | $ 111,000 | $ 98,000 |
| Dodge County Wisconsin | 463 | $ 40,435,000 | $ 87,000 | $ 87,000 |
| Marquette County Wisconsin | 206 | $ 18,220,000 | $ 88,000 | $ 81,000 |
| Green County Wisconsin | 192 | $ 20,300,000 | $ 105,000 | $ 104,000 |
| Racine County Wisconsin | 156 | $ 17,380,000 | $ 111,000 | $ 104,000 |
| Washington County Wisconsin | 115 | $ 14,985,000 | $ 130,000 | $ 120,000 |
| Iowa County Wisconsin | 114 | $ 12,310,000 | $ 107,000 | $ 82,000 |
| Walworth County Wisconsin | 108 | $ 14,290,000 | $ 132,000 | $ 112,000 |
| Adams County Wisconsin | 92 | $ 7,260,000 | $ 78,000 | $ 77,000 |
| Fond du Lac County Wisconsin | 74 | $ 6,320,000 | $ 85,000 | $ 88,000 |
| Green Lake County Wisconsin | 51 | $ 3,765,000 | $ 73,000 | $ 85,000 |
| Juneau County Wisconsin | 47 | $ 4,285,000 | $ 91,000 | $ 89,000 |
| Ozaukee County Wisconsin | 43 | $ 7,355,000 | $ 171,000 | $ 164,000 |
| Kenosha County Wisconsin | 34 | $ 4,210,000 | $ 123,000 | $ 92,000 |
| Oneida County Wisconsin | 31 | $ 5,335,000 | $ 172,000 | $ 182,000 |
| Waushara County Wisconsin | 28 | $ 2,960,000 | $ 105,000 | $ 70,000 |
| Winnebago County Wisconsin | 27 | $ 5,085,000 | $ 188,000 | $ 117,000 |
| Vilas County Wisconsin | 26 | $ 4,940,000 | $ 190,000 | $ 159,000 |
| Richland County Wisconsin | 25 | $ 2,115,000 | $ 84,000 | $ 80,000 |
| Marathon County Wisconsin | 22 | $ 1,290,000 | $ 58,000 | $ 96,000 |
| Grant County Wisconsin | 19 | $ 2,075,000 | $ 109,000 | $ 88,000 |
| Outagamie County Wisconsin | 18 | $ 2,360,000 | $ 131,000 | $ 80,000 |
| Lafayette County Wisconsin | 16 | $ 1,850,000 | $ 115,000 | $ 80,000 |
| Door County Wisconsin | 15 | $ 2,725,000 | $ 181,000 | $ 125,000 |
| Portage County Wisconsin | 15 | $ 2,445,000 | $ 163,000 | $ 99,000 |
| Sheboygan County Wisconsin | 15 | $ 1,955,000 | $ 130,000 | $ 96,000 |
| Wood County Wisconsin | 12 | $ 800,000 | $ 66,000 | $ 129,000 |
| Brown County Wisconsin | 11 | $ 1,125,000 | $ 102,000 | $ 97,000 |
| Crawford County Wisconsin | 9 | $ 2,045,000 | $ 227,000 | $ 79,000 |
| Manitowoc County Wisconsin | 9 | $ 1,425,000 | $ 158,000 | $ 84,000 |
| Sawyer County Wisconsin | 9 | $ 1,035,000 | $ 115,000 | $ 72,000 |
| St. Croix County Wisconsin | 9 | $ 1,375,000 | $ 152,000 | $ 117,000 |
| La Crosse County Wisconsin | 8 | $ 1,070,000 | $ 133,000 | $ 74,000 |
| Price County Wisconsin | 8 | $ 440,000 | $ 55,000 | $ 143,000 |
| Vernon County Wisconsin | 8 | $ 910,000 | $ 113,000 | $ 90,000 |
| Waupaca County Wisconsin | 8 | $ 970,000 | $ 121,000 | $ 102,000 |
| Cook County Illinois | 6 | $ 1,290,000 | $ 215,000 | $ 149,000 |
| McHenry County Illinois | 6 | $ 970,000 | $ 161,000 | $ 61,000 |
| Calumet County Wisconsin | 6 | $ 830,000 | $ 138,000 | $ 100,000 |
| Chippewa County Wisconsin | 6 | $ 420,000 | $ 70,000 | $ 88,000 |
| Lincoln County Wisconsin | 6 | $ 980,000 | $ 163,000 | $ 103,000 |
| Lee County Florida | 5 | $ 955,000 | $ 191,000 | $ 114,000 |
| Bayfield County Wisconsin | 5 | $ 355,000 | $ 71,000 | $ 98,000 |
| Iron County Wisconsin | 5 | $ 245,000 | $ 49,000 | $ 97,000 |
| Jackson County Wisconsin | 5 | $ 475,000 | $ 95,000 | $ 111,000 |
| Marinette County Wisconsin | 5 | $ 465,000 | $ 93,000 | $ 115,000 |
| Oconto County Wisconsin | 5 | $ 615,000 | $ 123,000 | $ 151,000 |
| Washburn County Wisconsin | 5 | $ 275,000 | $ 55,000 | $ 81,000 |
| Burnett County Wisconsin | 4 | $ 530,000 | $ 132,000 | $ 86,000 |
| Eau Claire County Wisconsin | 4 | $ 330,000 | $ 82,000 | $ 116,000 |
| Monroe County Wisconsin | 4 | $ 640,000 | $ 160,000 | $ 93,000 |
| Polk County Florida | 3 | $ 475,000 | $ 158,000 | $ 82,000 |
| Seminole County Florida | 3 | $ 625,000 | $ 208,000 | $ 57,000 |
| Winnebago County Illinois | 3 | $ 305,000 | $ 101,000 | $ 47,000 |
| Clark County Wisconsin | 3 | $ 485,000 | $ 161,000 | $ 85,000 |
| Douglas County Wisconsin | 3 | $ 255,000 | $ 85,000 | $ 103,000 |
| Langlade County Wisconsin | 3 | $ 335,000 | $ 111,000 | $ 372,000 |
| Citrus County Florida | 2 | $ 400,000 | $ 200,000 | $ 76,000 |
| Hillsborough County Florida | 2 | $ 430,000 | $ 215,000 | $ 199,000 |
| Manatee County Florida | 2 | $ 500,000 | $ 250,000 | $ 173,000 |
| Pinellas County Florida | 2 | $ 410,000 | $ 205,000 | $ 112,000 |
| Lake County Illinois | 2 | $ 560,000 | $ 280,000 | $ 129,000 |
| Ashland County Wisconsin | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Forest County Wisconsin | 2 | $ 80,000 | $ 40,000 | $ 126,000 |
| Kewaunee County Wisconsin | 2 | $ 520,000 | $ 260,000 | $ 124,000 |
| Trempealeau County Wisconsin | 2 | $ 50,000 | $ 25,000 | $ 98,000 |
| Brevard County Florida | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Charlotte County Florida | 1 | $ 215,000 | $ 215,000 | $ 40,000 |
| Collier County Florida | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Duval County Florida | 1 | $ 105,000 | $ 105,000 | $ 257,000 |
| Hernando County Florida | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Marion County Florida | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Orange County Florida | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Palm Beach County Florida | 1 | $ 215,000 | $ 215,000 | $ 147,000 |
| Sarasota County Florida | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| St. Lucie County Florida | 1 | $ 205,000 | $ 205,000 | $ 153,000 |
| Kane County Illinois | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Ogle County Illinois | 1 | $ 85,000 | $ 85,000 | $ 2,000 |
| Will County Illinois | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Dakota County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Ramsey County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Erie County New York | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Wake County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 92,000 |
| Gregg County Texas | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Barron County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Buffalo County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Dunn County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 187,000 |
| Florence County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Menominee County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 138,000 |
| Pepin County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Polk County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Summit Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,904 | $1,012,050,000 | $206,000 | $2,005,000 | $95,000 | $1,367,000 |
| Refinancing | 4,657 | $565,455,000 | $121,000 | $2,005,000 | $107,000 | $1,643,000 |
| Home Improvement | 3,224 | $181,070,000 | $56,000 | $2,155,000 | $108,000 | $1,482,000 |
| Other Purpose | 2,556 | $113,860,000 | $44,000 | $715,000 | $99,000 | $3,887,000 |
| Cash-out Refinancing | 1,554 | $273,630,000 | $176,000 | $685,000 | $93,000 | $531,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 14,446 | $1,772,390,000 | $122,000 | $2,005,000 | $102,000 | $3,887,000 |
| Not Provided | 796 | $157,910,000 | $198,000 | $1,325,000 | $107,000 | $1,224,000 |
| Hispanic | 635 | $66,825,000 | $105,000 | $605,000 | $86,000 | $490,000 |
| Asian | 439 | $72,795,000 | $165,000 | $725,000 | $118,000 | $924,000 |
| Black or African American | 435 | $48,375,000 | $111,000 | $455,000 | $81,000 | $500,000 |
| American Indian or Alaskan Native | 52 | $5,190,000 | $99,000 | $395,000 | $87,000 | $257,000 |
| Not applicable | 51 | $13,505,000 | $264,000 | $2,155,000 | $104,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $865,000 | $78,000 | $225,000 | $129,000 | $236,000 |
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) | 16,838 | $2,138,120,000 | $126,000 | $2,155,000 | $101,000 | $3,887,000 |
| FHA-insured (Federal Housing Administration) | 35 | $4,255,000 | $121,000 | $225,000 | $52,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,150,000 | $179,000 | $355,000 | $66,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,540,000 | $154,000 | $215,000 | $62,000 | $99,000 |
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 | 11,667 | $1,350,495,000 | $115,000 | $2,155,000 | $106,000 | $3,887,000 |
| Application Denied By Financial Institution | 1,797 | $169,235,000 | $94,000 | $1,605,000 | $86,000 | $1,440,000 |
| Preapproval Approved but not Accepted | 1,429 | $304,215,000 | $212,000 | $835,000 | $89,000 | $765,000 |
| Application Approved But Not Accepted | 1,110 | $176,100,000 | $158,000 | $1,325,000 | $105,000 | $601,000 |
| Preapproval Denied by Financial Institution | 456 | $75,140,000 | $164,000 | $2,005,000 | $60,000 | $672,000 |
| File Closed For Incompleteness | 233 | $49,095,000 | $210,000 | $1,505,000 | $87,000 | $1,367,000 |
| Application Withdrawn By Applicant | 203 | $21,785,000 | $107,000 | $1,755,000 | $109,000 | $1,572,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 14,642 | $1,901,690,000 | $129,000 | $2,155,000 | $104,000 | $3,887,000 |
| Other | 930 | $85,350,000 | $91,000 | $2,005,000 | $96,000 | $1,380,000 |
| Credit History | 646 | $79,100,000 | $122,000 | $475,000 | $68,000 | $672,000 |
| Debt-To-Income Ratio | 465 | $60,015,000 | $129,000 | $755,000 | $63,000 | $327,000 |
| Collateral | 142 | $11,690,000 | $82,000 | $485,000 | $91,000 | $467,000 |
| Unverifiable Information | 41 | $4,085,000 | $99,000 | $275,000 | $118,000 | $1,440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $3,040,000 | $152,000 | $385,000 | $53,000 | $102,000 |
| Employment History | 8 | $890,000 | $111,000 | $145,000 | $71,000 | $140,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Summit Credit Union's 2019 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.