Marine Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Marine Credit Union of La Crosse, WI reported 3,222 mortgage applications totaling $437.4 million, up 11% from 2024. The average application was for $135,751, and applicants reported an average income of $93,696. 36% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (447), Des Moines-West Des Moines, IA (265) and Eau Claire, WI (224) (applications in parentheses).

Mortgage Company & Address Marine Credit Union
811 Monitor Street
La Crosse, WI 54601
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 3,222
Total Mortgage Loan Application Amount $437,390,000
Average Mortgage Loan Application Amount $135,751
Highest Mortgage Loan Application Amount $975,000
Average Applicant Income $93,696
Highest Applicant Income $4,596,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Marine Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Marine Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Milwaukee, Wisconsin 368 $ 46,160,000 $ 125,434 $ 79,000
Fond du Lac, Wisconsin 213 $ 24,725,000 $ 116,079 $ 95,000
Polk, Iowa 190 $ 25,090,000 $ 132,052 $ 113,000
Eau Claire, Wisconsin 114 $ 16,890,000 $ 148,157 $ 83,000
Brown, Wisconsin 110 $ 20,230,000 $ 183,909 $ 98,000
Chippewa, Wisconsin 110 $ 15,380,000 $ 139,818 $ 88,000
La Crosse, Wisconsin 104 $ 14,530,000 $ 139,711 $ 92,000
Racine, Wisconsin 84 $ 11,020,000 $ 131,190 $ 90,000
Dodge, Wisconsin 80 $ 8,990,000 $ 112,375 $ 104,000
Sheboygan, Wisconsin 63 $ 7,375,000 $ 117,063 $ 81,000
Crawford, Wisconsin 62 $ 7,420,000 $ 119,677 $ 89,000
Winnebago, Wisconsin 60 $ 8,280,000 $ 138,000 $ 96,000
Grant, Wisconsin 56 $ 7,090,000 $ 126,607 $ 110,000
Scott, Iowa 54 $ 5,840,000 $ 108,148 $ 79,000
Monroe, Wisconsin 54 $ 6,330,000 $ 117,222 $ 79,000
Outagamie, Wisconsin 52 $ 7,370,000 $ 141,730 $ 111,000
Manitowoc, Wisconsin 49 $ 5,955,000 $ 121,530 $ 94,000
Rock Island, Illinois 48 $ 5,330,000 $ 111,041 $ 74,000
Waukesha, Wisconsin 41 $ 7,175,000 $ 175,000 $ 113,000
Dunn, Wisconsin 40 $ 5,940,000 $ 148,500 $ 95,000
Olmsted, Minnesota 36 $ 7,440,000 $ 206,666 $ 126,000
Waushara, Wisconsin 33 $ 4,275,000 $ 129,545 $ 89,000
Jackson, Wisconsin 32 $ 4,490,000 $ 140,312 $ 94,000
Green, Wisconsin 30 $ 3,830,000 $ 127,666 $ 81,000
Oconto, Wisconsin 30 $ 3,550,000 $ 118,333 $ 71,000
Washington, Wisconsin 30 $ 4,710,000 $ 157,000 $ 122,000
Adams, Wisconsin 29 $ 2,725,000 $ 93,965 $ 85,000
Kenosha, Wisconsin 29 $ 4,285,000 $ 147,758 $ 82,000
Marinette, Wisconsin 29 $ 2,985,000 $ 102,931 $ 91,000
Trempealeau, Wisconsin 29 $ 4,105,000 $ 141,551 $ 81,000
Rock, Wisconsin 28 $ 3,780,000 $ 135,000 $ 113,000
Dane, Wisconsin 26 $ 7,160,000 $ 275,384 $ 106,000
Dallas, Iowa 25 $ 5,365,000 $ 214,600 $ 123,000
Calumet, Wisconsin 25 $ 3,815,000 $ 152,600 $ 78,000
Winona, Minnesota 24 $ 2,730,000 $ 113,750 $ 96,000
Clark, Wisconsin 24 $ 2,380,000 $ 99,166 $ 77,000
Walworth, Wisconsin 24 $ 4,270,000 $ 177,916 $ 87,000
Warren, Iowa 23 $ 3,455,000 $ 150,217 $ 105,000
Fillmore, Minnesota 23 $ 2,465,000 $ 107,173 $ 81,000
Jefferson, Wisconsin 23 $ 3,505,000 $ 152,391 $ 101,000
Allamakee, Iowa 22 $ 2,830,000 $ 128,636 $ 70,000
Juneau, Wisconsin 22 $ 2,910,000 $ 132,272 $ 86,000
Clayton, Iowa 20 $ 1,860,000 $ 93,000 $ 110,000
Buffalo, Wisconsin 20 $ 2,210,000 $ 110,500 $ 77,000
Green Lake, Wisconsin 19 $ 2,985,000 $ 157,105 $ 84,000
Vernon, Wisconsin 19 $ 3,435,000 $ 180,789 $ 122,000
Waupaca, Wisconsin 19 $ 2,525,000 $ 132,894 $ 74,000
Winneshiek, Iowa 17 $ 2,165,000 $ 127,352 $ 82,000
Door, Wisconsin 17 $ 3,185,000 $ 187,352 $ 215,000
Kewaunee, Wisconsin 17 $ 2,605,000 $ 153,235 $ 75,000
Barron, Wisconsin 16 $ 2,300,000 $ 143,750 $ 84,000
Shawano, Wisconsin 16 $ 2,470,000 $ 154,375 $ 80,000
Houston, Minnesota 15 $ 2,145,000 $ 143,000 $ 91,000
Mercer, Illinois 14 $ 1,300,000 $ 92,857 $ 76,000
Jasper, Iowa 14 $ 1,180,000 $ 84,285 $ 94,000
Wood, Wisconsin 14 $ 1,740,000 $ 124,285 $ 77,000
Iowa, Wisconsin 13 $ 1,175,000 $ 90,384 $ 67,000
Lafayette, Wisconsin 13 $ 2,755,000 $ 211,923 $ 103,000
Marquette, Wisconsin 13 $ 1,535,000 $ 118,076 $ 95,000
Richland, Wisconsin 13 $ 1,975,000 $ 151,923 $ 90,000
Rusk, Wisconsin 12 $ 1,460,000 $ 121,666 $ 74,000
Sauk, Wisconsin 12 $ 2,060,000 $ 171,666 $ 126,000
Fayette, Iowa 11 $ 765,000 $ 69,545 $ 71,000
Clinton, Iowa 10 $ 1,250,000 $ 125,000 $ 74,000
Madison, Iowa 10 $ 2,060,000 $ 206,000 $ 130,000
Muscatine, Iowa 10 $ 1,370,000 $ 137,000 $ 145,000
Columbia, Wisconsin 10 $ 2,010,000 $ 201,000 $ 101,000
Marathon, Wisconsin 10 $ 1,170,000 $ 117,000 $ 108,000
Portage, Wisconsin 9 $ 1,085,000 $ 120,555 $ 84,000
Price, Wisconsin 9 $ 945,000 $ 105,000 $ 109,000
St. Croix, Wisconsin 9 $ 1,755,000 $ 195,000 $ 110,000
Taylor, Wisconsin 9 $ 925,000 $ 102,777 $ 76,000
Lincoln, Wisconsin 8 $ 800,000 $ 100,000 $ 105,000
Ozaukee, Wisconsin 8 $ 2,440,000 $ 305,000 $ 104,000
Sawyer, Wisconsin 8 $ 1,010,000 $ 126,250 $ 60,000
Lake, Illinois 7 $ 805,000 $ 115,000 $ 114,000
Polk, Wisconsin 7 $ 555,000 $ 79,285 $ 65,000
Winnebago, Illinois 6 $ 1,380,000 $ 230,000 $ 169,000
Hardin, Iowa 6 $ 630,000 $ 105,000 $ 83,000
Lucas, Iowa 6 $ 760,000 $ 126,666 $ 59,000
Marion, Iowa 6 $ 940,000 $ 156,666 $ 97,000
Dodge, Minnesota 6 $ 1,380,000 $ 230,000 $ 117,000
Wabasha, Minnesota 6 $ 920,000 $ 153,333 $ 150,000
Whiteside, Illinois 5 $ 415,000 $ 83,000 $ 81,000
Adair, Iowa 5 $ 695,000 $ 139,000 $ 115,000
Appanoose, Iowa 5 $ 535,000 $ 107,000 $ 72,000
Howard, Iowa 5 $ 875,000 $ 175,000 $ 73,000
Johnson, Iowa 5 $ 1,045,000 $ 209,000 $ 100,000
Linn, Iowa 5 $ 565,000 $ 113,000 $ 115,000
Marshall, Iowa 5 $ 685,000 $ 137,000 $ 86,000
Mower, Minnesota 5 $ 925,000 $ 185,000 $ 87,000
Pierce, Wisconsin 5 $ 1,125,000 $ 225,000 $ 83,000
Chickasaw, Iowa 4 $ 680,000 $ 170,000 $ 77,000
Des Moines, Iowa 4 $ 230,000 $ 57,500 $ 91,000
Dubuque, Iowa 4 $ 330,000 $ 82,500 $ 90,000
Grundy, Iowa 4 $ 490,000 $ 122,500 $ 106,000
Union, Iowa 4 $ 420,000 $ 105,000 $ 107,000
Ashland, Wisconsin 4 $ 1,130,000 $ 282,500 $ 105,000
Henry, Illinois 3 $ 295,000 $ 98,333 $ 71,000
Benton, Iowa 3 $ 305,000 $ 101,666 $ 85,000
Cerro Gordo, Iowa 3 $ 345,000 $ 115,000 $ 93,000
Clarke, Iowa 3 $ 305,000 $ 101,666 $ 120,000
Decatur, Iowa 3 $ 305,000 $ 101,666 $ 49,000
Guthrie, Iowa 3 $ 125,000 $ 41,666 $ 67,000
Louisa, Iowa 3 $ 435,000 $ 145,000 $ 97,000
Mahaska, Iowa 3 $ 275,000 $ 91,666 $ 104,000
Pottawattamie, Iowa 3 $ 775,000 $ 258,333 $ 119,000
Pepin, Wisconsin 3 $ 245,000 $ 81,666 $ 73,000
Washburn, Wisconsin 3 $ 365,000 $ 121,666 $ 81,000
Mason, Illinois 2 $ 300,000 $ 150,000 $ 178,000
Stephenson, Illinois 2 $ 360,000 $ 180,000 $ 80,000
Boone, Iowa 2 $ 240,000 $ 120,000 $ 88,000
Butler, Iowa 2 $ 320,000 $ 160,000 $ 72,000
Delaware, Iowa 2 $ 320,000 $ 160,000 $ 107,000
Hamilton, Iowa 2 $ 160,000 $ 80,000 $ 60,000
Iowa, Iowa 2 $ 180,000 $ 90,000 $ 49,000
Jones, Iowa 2 $ 120,000 $ 60,000 $ 69,000
Keokuk, Iowa 2 $ 180,000 $ 90,000 $ 66,000
Monroe, Iowa 2 $ 350,000 $ 175,000 $ 73,000
O'Brien, Iowa 2 $ 270,000 $ 135,000 $ 126,000
Poweshiek, Iowa 2 $ 90,000 $ 45,000 $ 257,000
Story, Iowa 2 $ 170,000 $ 85,000 $ 55,000
Wapello, Iowa 2 $ 470,000 $ 235,000 $ 188,000
Benton, Minnesota 2 $ 230,000 $ 115,000 $ 19,000
Freeborn, Minnesota 2 $ 270,000 $ 135,000 $ 67,000
Goodhue, Minnesota 2 $ 300,000 $ 150,000 $ 73,000
Hennepin, Minnesota 2 $ 300,000 $ 150,000 $ 60,000
Jackson, Minnesota 2 $ 200,000 $ 100,000 $ 108,000
Burnett, Wisconsin 2 $ 450,000 $ 225,000 $ 98,000
Florence, Wisconsin 2 $ 170,000 $ 85,000 $ 96,000
Oneida, Wisconsin 2 $ 270,000 $ 135,000 $ 72,000
Vilas, Wisconsin 2 $ 230,000 $ 115,000 $ 181,000
Carroll, Illinois 1 $ 65,000 $ 65,000 $ 130,000
Cook, Illinois 1 $ 25,000 $ 25,000 $ 56,000
DeKalb, Illinois 1 $ 95,000 $ 95,000 $ 145,000
Hancock, Illinois 1 $ 35,000 $ 35,000 $ 106,000
Jo Daviess, Illinois 1 $ 185,000 $ 185,000 $ 135,000
McHenry, Illinois 1 $ 145,000 $ 145,000 $ 265,000
Ogle, Illinois 1 $ 45,000 $ 45,000 $ 118,000
Warren, Illinois 1 $ 65,000 $ 65,000 $ 114,000
Black Hawk, Iowa 1 $ 235,000 $ 235,000 $ 152,000
Bremer, Iowa 1 $ 55,000 $ 55,000 $ 84,000
Calhoun, Iowa 1 $ 115,000 $ 115,000 $ 120,000
Cass, Iowa 1 $ 95,000 $ 95,000 $ 92,000
Cedar, Iowa 1 $ 165,000 $ 165,000 $ 73,000
Crawford, Iowa 1 $ 245,000 $ 245,000 $ 284,000
Harrison, Iowa 1 $ 75,000 $ 75,000 $ 58,000
Henry, Iowa 1 $ 55,000 $ 55,000 $ 105,000
Jackson, Iowa 1 $ 45,000 $ 45,000 $ 33,000
Jefferson, Iowa 1 $ 95,000 $ 95,000 $ 84,000
Lee, Iowa 1 $ 25,000 $ 25,000 $ 28,000
Page, Iowa 1 $ 165,000 $ 165,000 $ 106,000
Ringgold, Iowa 1 $ 55,000 $ 55,000 $ 54,000
Tama, Iowa 1 $ 25,000 $ 25,000 $ 120,000
Van Buren, Iowa 1 $ 105,000 $ 105,000 $ 124,000
Washington, Iowa 1 $ 55,000 $ 55,000 $ 78,000
Wayne, Iowa 1 $ 195,000 $ 195,000 $ 103,000
Winnebago, Iowa 1 $ 125,000 $ 125,000 $ 118,000
Anoka, Minnesota 1 $ 255,000 $ 255,000 $ 79,000
Carlton, Minnesota 1 $ 195,000 $ 195,000 $ 134,000
Chisago, Minnesota 1 $ 555,000 $ 555,000 $ 140,000
Dakota, Minnesota 1 $ 295,000 $ 295,000 $ 84,000
Faribault, Minnesota 1 $ 45,000 $ 45,000 $ 32,000
Koochiching, Minnesota 1 $ 75,000 $ 75,000 $ 115,000
Le Sueur, Minnesota 1 $ 115,000 $ 115,000 $ 66,000
Pine, Minnesota 1 $ 125,000 $ 125,000 $ 105,000
St. Louis, Minnesota 1 $ 85,000 $ 85,000 $ 115,000
Stearns, Minnesota 1 $ 215,000 $ 215,000 $ 201,000
Steele, Minnesota 1 $ 185,000 $ 185,000 $ 122,000
Allegheny, Pennsylvania 1 $ 95,000 $ 95,000 $ 480,000
Forest, Wisconsin 1 $ 355,000 $ 355,000 $ 49,000
Iron, Wisconsin 1 $ 45,000 $ 45,000 $ 138,000
Langlade, Wisconsin 1 $ 35,000 $ 35,000 $ 236,000
Menominee, Wisconsin 1 $ 55,000 $ 55,000 $ 96,000

Mortgage Loan Application Detail Totals for Marine Credit Union in 2025

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
Cash-out Refinancing 2,271 $270,695,000 $119,000 $975,000 $95,000 $4,596,000
Home Purchase 590 $108,350,000 $183,000 $795,000 $94,000 $494,000
Refinancing 361 $58,345,000 $161,000 $655,000 $85,000 $772,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0
Home Improvement 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 2,307 $310,275,000 $134,000 $975,000 $96,000 $4,596,000
Hispanic 516 $74,620,000 $144,000 $455,000 $84,000 $1,843,000
Black or African American 174 $18,460,000 $106,000 $495,000 $75,000 $480,000
Not Provided 138 $18,380,000 $133,000 $655,000 $107,000 $649,000
Asian 53 $10,605,000 $200,000 $795,000 $98,000 $226,000
American Indian or Alaskan Native 32 $4,810,000 $150,000 $775,000 $77,000 $294,000
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $65,000 $65,000
Not applicable 1 $195,000 $195,000 $195,000 $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) 3,222 $437,390,000 $135,000 $975,000 $93,000 $4,596,000
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 1,160 $150,220,000 $129,000 $785,000 $100,000 $772,000
Application Denied By Financial Institution 1,127 $158,725,000 $140,000 $975,000 $85,000 $4,596,000
Application Withdrawn By Applicant 707 $99,665,000 $140,000 $795,000 $96,000 $1,843,000
Application Approved But Not Accepted 221 $27,895,000 $126,000 $725,000 $95,000 $324,000
File Closed For Incompleteness 7 $885,000 $126,000 $205,000 $49,000 $82,000
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
Not applicable 2,095 $278,665,000 $133,000 $795,000 $98,000 $1,843,000
Debt-To-Income Ratio 489 $76,565,000 $156,000 $775,000 $64,000 $402,000
Credit History 407 $50,365,000 $123,000 $975,000 $97,000 $448,000
Credit Application Incomplete 87 $12,805,000 $147,000 $485,000 $96,000 $380,000
Collateral 70 $7,870,000 $112,000 $385,000 $91,000 $480,000
Unverifiable Information 25 $4,595,000 $183,000 $775,000 $270,000 $4,596,000
Other 22 $3,260,000 $148,000 $405,000 $86,000 $420,000
Employment History 15 $1,745,000 $116,000 $215,000 $77,000 $134,000
Insufficient Cash (Downpayment, Closing Cost) 12 $1,520,000 $126,000 $205,000 $50,000 $86,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Marine Credit Union's 2025 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 Marine 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.
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