Summit Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Summit Credit Union 2022 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 | 21,327 |
| Total Mortgage Loan Application Amount | $3,498,535,000 |
| Average Mortgage Loan Application Amount | $144,800 |
| Highest Mortgage Loan Application Amount | $12,805,000 |
| Average Applicant Income | $116,600 |
| Highest Applicant Income | $7,750,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 6,250 | $ 955,740,000 | $ 152,000 | $ 131,000 |
| Milwaukee County Wisconsin | 1,992 | $ 258,890,000 | $ 129,000 | $ 108,000 |
| Waukesha County Wisconsin | 1,987 | $ 290,125,000 | $ 146,000 | $ 141,000 |
| Columbia County Wisconsin | 947 | $ 106,475,000 | $ 112,000 | $ 101,000 |
| Rock County Wisconsin | 833 | $ 84,255,000 | $ 101,000 | $ 96,000 |
| Jefferson County Wisconsin | 690 | $ 87,320,000 | $ 126,000 | $ 113,000 |
| Sauk County Wisconsin | 647 | $ 77,695,000 | $ 120,000 | $ 100,000 |
| Dodge County Wisconsin | 546 | $ 54,220,000 | $ 99,000 | $ 92,000 |
| Washington County Wisconsin | 298 | $ 47,810,000 | $ 160,000 | $ 137,000 |
| Racine County Wisconsin | 291 | $ 38,815,000 | $ 133,000 | $ 129,000 |
| Green County Wisconsin | 258 | $ 32,880,000 | $ 127,000 | $ 116,000 |
| Marquette County Wisconsin | 215 | $ 20,635,000 | $ 95,000 | $ 86,000 |
| Ozaukee County Wisconsin | 177 | $ 35,505,000 | $ 200,000 | $ 150,000 |
| Walworth County Wisconsin | 175 | $ 23,215,000 | $ 132,000 | $ 117,000 |
| Adams County Wisconsin | 148 | $ 18,930,000 | $ 127,000 | $ 100,000 |
| Iowa County Wisconsin | 139 | $ 17,705,000 | $ 127,000 | $ 102,000 |
| Kenosha County Wisconsin | 136 | $ 13,920,000 | $ 102,000 | $ 109,000 |
| Fond du Lac County Wisconsin | 122 | $ 15,750,000 | $ 129,000 | $ 99,000 |
| Sheboygan County Wisconsin | 107 | $ 14,545,000 | $ 135,000 | $ 109,000 |
| Juneau County Wisconsin | 60 | $ 5,750,000 | $ 95,000 | $ 99,000 |
| Green Lake County Wisconsin | 53 | $ 6,025,000 | $ 113,000 | $ 87,000 |
| Vilas County Wisconsin | 47 | $ 11,985,000 | $ 255,000 | $ 161,000 |
| Winnebago County Wisconsin | 47 | $ 20,435,000 | $ 434,000 | $ 134,000 |
| Oneida County Wisconsin | 40 | $ 9,310,000 | $ 232,000 | $ 253,000 |
| Waushara County Wisconsin | 36 | $ 4,150,000 | $ 115,000 | $ 80,000 |
| Grant County Wisconsin | 31 | $ 3,975,000 | $ 128,000 | $ 136,000 |
| Wood County Wisconsin | 30 | $ 4,070,000 | $ 135,000 | $ 104,000 |
| Brown County Wisconsin | 29 | $ 5,255,000 | $ 181,000 | $ 141,000 |
| Lafayette County Wisconsin | 28 | $ 2,480,000 | $ 88,000 | $ 97,000 |
| Outagamie County Wisconsin | 28 | $ 3,400,000 | $ 121,000 | $ 125,000 |
| Marathon County Wisconsin | 26 | $ 4,030,000 | $ 155,000 | $ 123,000 |
| Richland County Wisconsin | 26 | $ 2,190,000 | $ 84,000 | $ 104,000 |
| Cook County Illinois | 22 | $ 4,300,000 | $ 195,000 | $ 166,000 |
| Portage County Wisconsin | 20 | $ 3,320,000 | $ 166,000 | $ 97,000 |
| Door County Wisconsin | 19 | $ 4,805,000 | $ 252,000 | $ 153,000 |
| Waupaca County Wisconsin | 15 | $ 2,645,000 | $ 176,000 | $ 185,000 |
| Manitowoc County Wisconsin | 13 | $ 2,155,000 | $ 165,000 | $ 133,000 |
| Shawano County Wisconsin | 13 | $ 2,445,000 | $ 188,000 | $ 118,000 |
| St. Croix County Wisconsin | 13 | $ 2,385,000 | $ 183,000 | $ 139,000 |
| Vernon County Wisconsin | 12 | $ 1,720,000 | $ 143,000 | $ 96,000 |
| La Crosse County Wisconsin | 11 | $ 1,485,000 | $ 135,000 | $ 120,000 |
| Lee County Florida | 10 | $ 3,070,000 | $ 307,000 | $ 236,000 |
| Winnebago County Illinois | 10 | $ 1,240,000 | $ 124,000 | $ 124,000 |
| Iron County Wisconsin | 10 | $ 1,660,000 | $ 166,000 | $ 178,000 |
| Calumet County Wisconsin | 9 | $ 1,275,000 | $ 141,000 | $ 169,000 |
| Eau Claire County Wisconsin | 9 | $ 1,095,000 | $ 121,000 | $ 85,000 |
| Oconto County Wisconsin | 9 | $ 1,125,000 | $ 125,000 | $ 98,000 |
| Lake County Illinois | 8 | $ 2,230,000 | $ 278,000 | $ 144,000 |
| Crawford County Wisconsin | 8 | $ 960,000 | $ 120,000 | $ 103,000 |
| Monroe County Wisconsin | 8 | $ 1,130,000 | $ 141,000 | $ 95,000 |
| Price County Wisconsin | 8 | $ 810,000 | $ 101,000 | $ 75,000 |
| Chippewa County Wisconsin | 7 | $ 1,375,000 | $ 196,000 | $ 213,000 |
| Forest County Wisconsin | 7 | $ 875,000 | $ 125,000 | $ 135,000 |
| Lincoln County Wisconsin | 7 | $ 1,315,000 | $ 187,000 | $ 127,000 |
| Marinette County Wisconsin | 7 | $ 1,085,000 | $ 155,000 | $ 131,000 |
| McHenry County Illinois | 6 | $ 850,000 | $ 141,000 | $ 117,000 |
| Stephenson County Illinois | 6 | $ 650,000 | $ 108,000 | $ 67,000 |
| Sawyer County Wisconsin | 6 | $ 950,000 | $ 158,000 | $ 112,000 |
| Pinellas County Florida | 5 | $ 1,555,000 | $ 311,000 | $ 256,000 |
| Kewaunee County Wisconsin | 5 | $ 1,175,000 | $ 235,000 | $ 154,000 |
| Rusk County Wisconsin | 5 | $ 445,000 | $ 89,000 | $ 93,000 |
| Taylor County Wisconsin | 5 | $ 425,000 | $ 85,000 | $ 49,000 |
| Collier County Florida | 4 | $ 2,440,000 | $ 610,000 | $ 865,000 |
| Pasco County Florida | 4 | $ 820,000 | $ 205,000 | $ 111,000 |
| Will County Illinois | 4 | $ 370,000 | $ 92,000 | $ 107,000 |
| Hennepin County Minnesota | 4 | $ 460,000 | $ 115,000 | $ 132,000 |
| Jackson County Wisconsin | 4 | $ 520,000 | $ 130,000 | $ 134,000 |
| Trempealeau County Wisconsin | 4 | $ 410,000 | $ 102,000 | $ 308,000 |
| Pinal County Arizona | 3 | $ 755,000 | $ 251,000 | $ 128,000 |
| Hillsborough County Florida | 3 | $ 395,000 | $ 131,000 | $ 126,000 |
| Seminole County Florida | 3 | $ 1,325,000 | $ 441,000 | $ 123,000 |
| Sumter County Florida | 3 | $ 645,000 | $ 215,000 | $ 100,000 |
| Ashland County Wisconsin | 3 | $ 595,000 | $ 198,000 | $ 132,000 |
| Barron County Wisconsin | 3 | $ 395,000 | $ 131,000 | $ 203,000 |
| Burnett County Wisconsin | 3 | $ 415,000 | $ 138,000 | $ 187,000 |
| Brevard County Florida | 2 | $ 110,000 | $ 55,000 | $ 102,000 |
| Charlotte County Florida | 2 | $ 1,170,000 | $ 585,000 | $ 673,000 |
| Hernando County Florida | 2 | $ 530,000 | $ 265,000 | $ 308,000 |
| Lake County Florida | 2 | $ 590,000 | $ 295,000 | $ 128,000 |
| Leon County Florida | 2 | $ 410,000 | $ 205,000 | $ 328,000 |
| Orange County Florida | 2 | $ 330,000 | $ 165,000 | $ 185,000 |
| St. Johns County Florida | 2 | $ 410,000 | $ 205,000 | $ 157,000 |
| Volusia County Florida | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| DeKalb County Illinois | 2 | $ 80,000 | $ 40,000 | $ 132,000 |
| McLean County Illinois | 2 | $ 240,000 | $ 120,000 | $ 129,000 |
| Alger County Michigan | 2 | $ 570,000 | $ 285,000 | $ 91,000 |
| Wright County Minnesota | 2 | $ 490,000 | $ 245,000 | $ 168,000 |
| Bayfield County Wisconsin | 2 | $ 230,000 | $ 115,000 | $ 169,000 |
| Buffalo County Wisconsin | 2 | $ 420,000 | $ 210,000 | $ 129,000 |
| Clark County Wisconsin | 2 | $ 680,000 | $ 340,000 | $ 114,000 |
| Douglas County Wisconsin | 2 | $ 560,000 | $ 280,000 | $ 154,000 |
| Langlade County Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 140,000 |
| Pierce County Wisconsin | 2 | $ 360,000 | $ 180,000 | $ 135,000 |
| Washburn County Wisconsin | 2 | $ 690,000 | $ 345,000 | $ 142,000 |
| Coconino County Arizona | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Maricopa County Arizona | 1 | $ 375,000 | $ 375,000 | $ 220,000 |
| Pima County Arizona | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Arapahoe County Colorado | 1 | $ 545,000 | $ 545,000 | $ 168,000 |
| Denver County Colorado | 1 | $ 75,000 | $ 75,000 | $ 131,000 |
| El Paso County Colorado | 1 | $ 25,000 | $ 25,000 | $ 146,000 |
| Gunnison County Colorado | 1 | $ 795,000 | $ 795,000 | $ 184,000 |
| Bay County Florida | 1 | $ 245,000 | $ 245,000 | $ 186,000 |
| Duval County Florida | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Flagler County Florida | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Indian River County Florida | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Levy County Florida | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Manatee County Florida | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Marion County Florida | 1 | $ 255,000 | $ 255,000 | $ 45,000 |
| Monroe County Florida | 1 | $ 465,000 | $ 465,000 | $ 249,000 |
| Palm Beach County Florida | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| DuPage County Illinois | 1 | $ 25,000 | $ 25,000 | $ 190,000 |
| Grundy County Illinois | 1 | $ 65,000 | $ 65,000 | $ 87,000 |
| Jo Daviess County Illinois | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Macon County Illinois | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Ogle County Illinois | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Tazewell County Illinois | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Woodford County Illinois | 1 | $ 45,000 | $ 45,000 | $ 139,000 |
| Lake County Indiana | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Baraga County Michigan | 1 | $ 45,000 | $ 45,000 | $ 222,000 |
| Gogebic County Michigan | 1 | $ 235,000 | $ 235,000 | $ 200,000 |
| Ingham County Michigan | 1 | $ 25,000 | $ 25,000 | $ 145,000 |
| Iron County Michigan | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Oakland County Michigan | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Wayne County Michigan | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Anoka County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Kandiyohi County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 183,000 |
| Mille Lacs County Minnesota | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Olmsted County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 170,000 |
| Otter Tail County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Pope County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Ramsey County Minnesota | 1 | $ 405,000 | $ 405,000 | $ 125,000 |
| Scott County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 200,000 |
| St. Louis County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Monroe County New York | 1 | $ 15,000 | $ 15,000 | $ 604,000 |
| Davidson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Travis County Texas | 1 | $ 35,000 | $ 35,000 | $ 2,100,000 |
| Florence County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Menominee County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Polk County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Summit Credit Union in 2022
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 | 7,948 | $2,145,640,000 | $269,000 | $12,805,000 | $111,000 | $4,607,000 |
| Other Purpose | 4,324 | $287,490,000 | $66,000 | $805,000 | $122,000 | $7,750,000 |
| Refinancing | 3,821 | $520,865,000 | $136,000 | $10,325,000 | $121,000 | $7,449,000 |
| Home Improvement | 3,565 | $226,495,000 | $63,000 | $1,125,000 | $128,000 | $5,940,000 |
| Cash-out Refinancing | 1,669 | $318,045,000 | $190,000 | $865,000 | $101,000 | $800,000 |
| 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 | 16,204 | $2,588,500,000 | $159,000 | $1,805,000 | $117,000 | $7,449,000 |
| Not Provided | 2,422 | $382,460,000 | $157,000 | $1,605,000 | $125,000 | $7,750,000 |
| Hispanic | 1,039 | $156,505,000 | $150,000 | $755,000 | $96,000 | $4,607,000 |
| Black or African American | 793 | $110,575,000 | $139,000 | $935,000 | $93,000 | $2,100,000 |
| Asian | 492 | $114,360,000 | $232,000 | $1,605,000 | $133,000 | $1,320,000 |
| Not applicable | 159 | $92,445,000 | $581,000 | $12,805,000 | $74,000 | $108,000 |
| American Indian or Alaskan Native | 104 | $16,330,000 | $157,000 | $545,000 | $118,000 | $1,120,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,685,000 | $153,000 | $545,000 | $117,000 | $305,000 |
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) | 21,275 | $3,488,585,000 | $163,000 | $12,805,000 | $117,000 | $7,750,000 |
| FHA-insured (Federal Housing Administration) | 46 | $8,810,000 | $191,000 | $415,000 | $65,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,140,000 | $190,000 | $365,000 | $66,000 | $82,000 |
| 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 | 13,065 | $1,813,675,000 | $138,000 | $12,805,000 | $123,000 | $7,750,000 |
| Preapproval Approved but not Accepted | 3,415 | $941,985,000 | $275,000 | $1,605,000 | $110,000 | $3,934,000 |
| Application Approved But Not Accepted | 1,637 | $245,925,000 | $150,000 | $1,535,000 | $122,000 | $4,607,000 |
| Application Denied By Financial Institution | 1,482 | $164,910,000 | $111,000 | $1,715,000 | $99,000 | $7,449,000 |
| Preapproval Denied by Financial Institution | 866 | $169,180,000 | $195,000 | $965,000 | $64,000 | $890,000 |
| Application Withdrawn By Applicant | 758 | $133,930,000 | $176,000 | $1,495,000 | $124,000 | $2,798,000 |
| File Closed For Incompleteness | 104 | $28,930,000 | $278,000 | $1,305,000 | $126,000 | $816,000 |
| 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 | 18,979 | $3,164,445,000 | $166,000 | $12,805,000 | $121,000 | $7,750,000 |
| Credit History | 1,083 | $154,495,000 | $142,000 | $1,105,000 | $97,000 | $7,449,000 |
| Debt-To-Income Ratio | 912 | $147,020,000 | $161,000 | $1,715,000 | $59,000 | $409,000 |
| Other | 242 | $20,070,000 | $82,000 | $645,000 | $127,000 | $2,100,000 |
| Collateral | 78 | $7,140,000 | $91,000 | $705,000 | $130,000 | $715,000 |
| Unverifiable Information | 24 | $3,910,000 | $162,000 | $505,000 | $146,000 | $1,320,000 |
| Employment History | 7 | $1,115,000 | $159,000 | $245,000 | $42,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $195,000 | $83,000 | $94,000 |
| 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 Summit Credit Union's 2022 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.