Marine Credit Union Mortgage Lending & HMDA Data, 2022

In 2022, Marine Credit Union of La Crosse, WI reported 3,505 mortgage applications totaling $427.6 million, up 3% from 2021. The average application was for $121,995, and applicants reported an average income of $77,429. 43% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (555), Des Moines-West Des Moines, IA (298) and Fond Du Lac, WI (214) (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 3,505
Total Mortgage Loan Application Amount $427,595,000
Average Mortgage Loan Application Amount $121,995
Highest Mortgage Loan Application Amount $805,000
Average Applicant Income $77,429
Highest Applicant Income $1,020,000

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Act (HMDA) records Marine Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Milwaukee, Wisconsin 427 $ 47,105,000 $ 110,316 $ 67,000
Polk, Iowa 222 $ 28,680,000 $ 129,189 $ 77,000
Fond du Lac, Wisconsin 214 $ 20,610,000 $ 96,308 $ 73,000
Brown, Wisconsin 119 $ 16,715,000 $ 140,462 $ 77,000
Eau Claire, Wisconsin 108 $ 12,630,000 $ 116,944 $ 70,000
Chippewa, Wisconsin 100 $ 12,130,000 $ 121,300 $ 90,000
Racine, Wisconsin 99 $ 12,895,000 $ 130,252 $ 86,000
La Crosse, Wisconsin 97 $ 12,535,000 $ 129,226 $ 71,000
Waukesha, Wisconsin 76 $ 15,070,000 $ 198,289 $ 107,000
Crawford, Wisconsin 67 $ 6,055,000 $ 90,373 $ 61,000
Grant, Wisconsin 67 $ 6,775,000 $ 101,119 $ 73,000
Scott, Iowa 64 $ 7,570,000 $ 118,281 $ 77,000
Dunn, Wisconsin 61 $ 6,805,000 $ 111,557 $ 67,000
Monroe, Wisconsin 60 $ 7,930,000 $ 132,166 $ 91,000
Sheboygan, Wisconsin 59 $ 6,145,000 $ 104,152 $ 68,000
Dodge, Wisconsin 54 $ 7,230,000 $ 133,888 $ 83,000
Dane, Wisconsin 53 $ 11,065,000 $ 208,773 $ 92,000
Winnebago, Wisconsin 53 $ 7,675,000 $ 144,811 $ 79,000
Rock Island, Illinois 48 $ 4,840,000 $ 100,833 $ 65,000
Manitowoc, Wisconsin 48 $ 4,830,000 $ 100,625 $ 70,000
Kenosha, Wisconsin 46 $ 5,650,000 $ 122,826 $ 96,000
Outagamie, Wisconsin 44 $ 7,320,000 $ 166,363 $ 72,000
Rock, Wisconsin 44 $ 5,580,000 $ 126,818 $ 79,000
Washington, Wisconsin 38 $ 6,920,000 $ 182,105 $ 87,000
Oconto, Wisconsin 36 $ 3,510,000 $ 97,500 $ 66,000
Waushara, Wisconsin 35 $ 3,575,000 $ 102,142 $ 74,000
Winona, Minnesota 31 $ 3,315,000 $ 106,935 $ 103,000
Dallas, Iowa 30 $ 5,840,000 $ 194,666 $ 148,000
Walworth, Wisconsin 30 $ 5,520,000 $ 184,000 $ 92,000
Warren, Iowa 26 $ 3,400,000 $ 130,769 $ 90,000
Winneshiek, Iowa 26 $ 2,670,000 $ 102,692 $ 73,000
Olmsted, Minnesota 26 $ 3,210,000 $ 123,461 $ 87,000
Kewaunee, Wisconsin 26 $ 3,390,000 $ 130,384 $ 67,000
Marinette, Wisconsin 26 $ 2,480,000 $ 95,384 $ 76,000
Trempealeau, Wisconsin 26 $ 3,220,000 $ 123,846 $ 87,000
Rusk, Wisconsin 25 $ 2,815,000 $ 112,600 $ 72,000
Waupaca, Wisconsin 24 $ 2,670,000 $ 111,250 $ 65,000
Fillmore, Minnesota 23 $ 2,545,000 $ 110,652 $ 90,000
Barron, Wisconsin 23 $ 3,005,000 $ 130,652 $ 75,000
Green Lake, Wisconsin 23 $ 2,265,000 $ 98,478 $ 77,000
Vernon, Wisconsin 23 $ 2,785,000 $ 121,086 $ 87,000
Door, Wisconsin 22 $ 3,310,000 $ 150,454 $ 59,000
Jefferson, Wisconsin 20 $ 3,630,000 $ 181,500 $ 100,000
Marquette, Wisconsin 20 $ 2,570,000 $ 128,500 $ 92,000
Allamakee, Iowa 19 $ 1,735,000 $ 91,315 $ 53,000
Clark, Wisconsin 19 $ 1,995,000 $ 105,000 $ 77,000
Clayton, Iowa 18 $ 1,230,000 $ 68,333 $ 50,000
Fayette, Iowa 18 $ 1,160,000 $ 64,444 $ 51,000
Houston, Minnesota 18 $ 2,260,000 $ 125,555 $ 74,000
Adams, Wisconsin 18 $ 1,680,000 $ 93,333 $ 98,000
Calumet, Wisconsin 18 $ 2,180,000 $ 121,111 $ 82,000
Green, Wisconsin 18 $ 2,620,000 $ 145,555 $ 87,000
Jackson, Wisconsin 18 $ 1,830,000 $ 101,666 $ 62,000
Buffalo, Wisconsin 17 $ 2,085,000 $ 122,647 $ 78,000
Juneau, Wisconsin 17 $ 1,835,000 $ 107,941 $ 100,000
Shawano, Wisconsin 16 $ 1,540,000 $ 96,250 $ 84,000
Columbia, Wisconsin 15 $ 1,465,000 $ 97,666 $ 63,000
Iowa, Wisconsin 15 $ 2,065,000 $ 137,666 $ 78,000
Ozaukee, Wisconsin 14 $ 3,320,000 $ 237,142 $ 114,000
Richland, Wisconsin 14 $ 1,650,000 $ 117,857 $ 66,000
Wood, Wisconsin 14 $ 1,750,000 $ 125,000 $ 77,000
Lake, Illinois 12 $ 1,510,000 $ 125,833 $ 109,000
Madison, Iowa 10 $ 1,190,000 $ 119,000 $ 101,000
Marion, Iowa 10 $ 1,430,000 $ 143,000 $ 73,000
Marshall, Iowa 10 $ 610,000 $ 61,000 $ 63,000
Lafayette, Wisconsin 10 $ 1,320,000 $ 132,000 $ 79,000
Portage, Wisconsin 10 $ 1,790,000 $ 179,000 $ 81,000
Sauk, Wisconsin 9 $ 1,035,000 $ 115,000 $ 67,000
Cedar, Iowa 8 $ 640,000 $ 80,000 $ 82,000
Chickasaw, Iowa 8 $ 610,000 $ 76,250 $ 77,000
Clinton, Iowa 8 $ 900,000 $ 112,500 $ 75,000
Linn, Iowa 8 $ 1,070,000 $ 133,750 $ 106,000
Muscatine, Iowa 8 $ 930,000 $ 116,250 $ 97,000
Mower, Minnesota 8 $ 630,000 $ 78,750 $ 39,000
Sawyer, Wisconsin 8 $ 580,000 $ 72,500 $ 67,000
St. Croix, Wisconsin 8 $ 1,320,000 $ 165,000 $ 95,000
Taylor, Wisconsin 8 $ 1,270,000 $ 158,750 $ 76,000
Boone, Iowa 7 $ 685,000 $ 97,857 $ 109,000
Louisa, Iowa 7 $ 475,000 $ 67,857 $ 43,000
Wabasha, Minnesota 7 $ 925,000 $ 132,142 $ 64,000
Forest, Wisconsin 7 $ 835,000 $ 119,285 $ 60,000
Howard, Iowa 6 $ 600,000 $ 100,000 $ 71,000
Jasper, Iowa 6 $ 870,000 $ 145,000 $ 60,000
Lucas, Iowa 6 $ 610,000 $ 101,666 $ 72,000
Union, Iowa 6 $ 480,000 $ 80,000 $ 68,000
Wayne, Iowa 6 $ 610,000 $ 101,666 $ 55,000
Marathon, Wisconsin 6 $ 850,000 $ 141,666 $ 118,000
Polk, Wisconsin 6 $ 510,000 $ 85,000 $ 78,000
Henry, Illinois 5 $ 715,000 $ 143,000 $ 110,000
Winnebago, Illinois 5 $ 525,000 $ 105,000 $ 65,000
Black Hawk, Iowa 5 $ 725,000 $ 145,000 $ 60,000
Hamilton, Iowa 5 $ 425,000 $ 85,000 $ 53,000
Story, Iowa 5 $ 915,000 $ 183,000 $ 80,000
Dodge, Minnesota 5 $ 535,000 $ 107,000 $ 62,000
Florence, Wisconsin 5 $ 485,000 $ 97,000 $ 86,000
Lincoln, Wisconsin 5 $ 495,000 $ 99,000 $ 112,000
Mercer, Illinois 4 $ 490,000 $ 122,500 $ 71,000
Appanoose, Iowa 4 $ 340,000 $ 85,000 $ 56,000
Bremer, Iowa 4 $ 180,000 $ 45,000 $ 75,000
Buchanan, Iowa 4 $ 360,000 $ 90,000 $ 95,000
Butler, Iowa 4 $ 460,000 $ 115,000 $ 75,000
Dubuque, Iowa 4 $ 580,000 $ 145,000 $ 75,000
Guthrie, Iowa 4 $ 380,000 $ 95,000 $ 67,000
Johnson, Iowa 4 $ 720,000 $ 180,000 $ 100,000
Pierce, Wisconsin 4 $ 510,000 $ 127,500 $ 71,000
Price, Wisconsin 4 $ 410,000 $ 102,500 $ 78,000
Jo Daviess, Illinois 3 $ 255,000 $ 85,000 $ 61,000
McHenry, Illinois 3 $ 555,000 $ 185,000 $ 92,000
Stephenson, Illinois 3 $ 185,000 $ 61,666 $ 83,000
Whiteside, Illinois 3 $ 225,000 $ 75,000 $ 81,000
Clarke, Iowa 3 $ 315,000 $ 105,000 $ 54,000
Des Moines, Iowa 3 $ 125,000 $ 41,666 $ 48,000
Greene, Iowa 3 $ 255,000 $ 85,000 $ 63,000
Mahaska, Iowa 3 $ 365,000 $ 121,666 $ 87,000
Page, Iowa 3 $ 195,000 $ 65,000 $ 79,000
Rice, Minnesota 3 $ 515,000 $ 171,666 $ 121,000
Ashland, Wisconsin 3 $ 515,000 $ 171,666 $ 72,000
Bayfield, Wisconsin 3 $ 595,000 $ 198,333 $ 142,000
Langlade, Wisconsin 3 $ 205,000 $ 68,333 $ 39,000
Oneida, Wisconsin 3 $ 215,000 $ 71,666 $ 102,000
Pepin, Wisconsin 3 $ 205,000 $ 68,333 $ 89,000
Washburn, Wisconsin 3 $ 125,000 $ 41,666 $ 48,000
DuPage, Illinois 2 $ 290,000 $ 145,000 $ 113,000
Iroquois, Illinois 2 $ 310,000 $ 155,000 $ 50,000
Calhoun, Iowa 2 $ 160,000 $ 80,000 $ 50,000
Cass, Iowa 2 $ 110,000 $ 55,000 $ 32,000
Crawford, Iowa 2 $ 200,000 $ 100,000 $ 247,000
Decatur, Iowa 2 $ 350,000 $ 175,000 $ 8,000
Delaware, Iowa 2 $ 170,000 $ 85,000 $ 130,000
Hardin, Iowa 2 $ 130,000 $ 65,000 $ 127,000
Keokuk, Iowa 2 $ 210,000 $ 105,000 $ 50,000
Mills, Iowa 2 $ 160,000 $ 80,000 $ 80,000
Monroe, Iowa 2 $ 130,000 $ 65,000 $ 89,000
Montgomery, Iowa 2 $ 50,000 $ 25,000 $ 48,000
Ringgold, Iowa 2 $ 100,000 $ 50,000 $ 77,000
Tama, Iowa 2 $ 90,000 $ 45,000 $ 32,000
Worth, Iowa 2 $ 180,000 $ 90,000 $ 71,000
Carlton, Minnesota 2 $ 370,000 $ 185,000 $ 70,000
Chisago, Minnesota 2 $ 340,000 $ 170,000 $ 78,000
Freeborn, Minnesota 2 $ 150,000 $ 75,000 $ 73,000
Goodhue, Minnesota 2 $ 290,000 $ 145,000 $ 86,000
Steele, Minnesota 2 $ 330,000 $ 165,000 $ 68,000
Burnett, Wisconsin 2 $ 340,000 $ 170,000 $ 105,000
Carroll, Illinois 1 $ 75,000 $ 75,000 $ 47,000
Lee, Illinois 1 $ 35,000 $ 35,000 $ 42,000
Ogle, Illinois 1 $ 205,000 $ 205,000 $ 141,000
Benton, Iowa 1 $ 55,000 $ 55,000 $ 57,000
Cerro Gordo, Iowa 1 $ 95,000 $ 95,000 $ 56,000
Harrison, Iowa 1 $ 15,000 $ 15,000 $ 106,000
Iowa, Iowa 1 $ 125,000 $ 125,000 $ 91,000
Jackson, Iowa 1 $ 205,000 $ 205,000 $ 80,000
Jefferson, Iowa 1 $ 55,000 $ 55,000 $ 48,000
Mitchell, Iowa 1 $ 75,000 $ 75,000 $ 98,000
Pottawattamie, Iowa 1 $ 245,000 $ 245,000 $ 95,000
Poweshiek, Iowa 1 $ 205,000 $ 205,000 $ 34,000
Sac, Iowa 1 $ 175,000 $ 175,000 $ 110,000
Winnebago, Iowa 1 $ 75,000 $ 75,000 $ 88,000
Woodbury, Iowa 1 $ 15,000 $ 15,000 $ 62,000
Wright, Iowa 1 $ 95,000 $ 95,000 $ 116,000
Woodson, Kansas 1 $ 55,000 $ 55,000 $ 61,000
Menominee, Michigan 1 $ 105,000 $ 105,000 $ 0
Aitkin, Minnesota 1 $ 145,000 $ 145,000 $ 108,000
Anoka, Minnesota 1 $ 255,000 $ 255,000 $ 47,000
Blue Earth, Minnesota 1 $ 25,000 $ 25,000 $ 33,000
Itasca, Minnesota 1 $ 45,000 $ 45,000 $ 121,000
Le Sueur, Minnesota 1 $ 255,000 $ 255,000 $ 201,000
Nicollet, Minnesota 1 $ 45,000 $ 45,000 $ 58,000
Ramsey, Minnesota 1 $ 255,000 $ 255,000 $ 173,000
Sherburne, Minnesota 1 $ 275,000 $ 275,000 $ 75,000
Waseca, Minnesota 1 $ 155,000 $ 155,000 $ 104,000
Washington, Minnesota 1 $ 305,000 $ 305,000 $ 90,000
Wright, Minnesota 1 $ 255,000 $ 255,000 $ 35,000
Vilas, Wisconsin 1 $ 55,000 $ 55,000 $ 37,000

Mortgage Loan Application Detail Totals for Marine 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
Cash-out Refinancing 1,439 $162,675,000 $113,000 $805,000 $78,000 $771,000
Refinancing 1,115 $129,535,000 $116,000 $605,000 $76,000 $1,020,000
Home Purchase 893 $130,835,000 $146,000 $505,000 $78,000 $649,000
Home Improvement 37 $3,005,000 $81,000 $235,000 $82,000 $337,000
Other Purpose 13 $645,000 $49,000 $135,000 $98,000 $250,000
Not Applicable 8 $900,000 $112,000 $345,000 $56,000 $108,000

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 2,977 $364,935,000 $122,000 $805,000 $79,000 $1,020,000
Black or African American 238 $22,390,000 $94,000 $355,000 $65,000 $227,000
Hispanic 211 $29,165,000 $138,000 $505,000 $73,000 $649,000
Asian 30 $4,050,000 $135,000 $345,000 $58,000 $151,000
Not Provided 23 $3,265,000 $141,000 $345,000 $74,000 $172,000
American Indian or Alaskan Native 4 $410,000 $102,000 $155,000 $76,000 $89,000
Native Hawaiian or Other Pacific Islander 1 $105,000 $105,000 $105,000 $112,000 $112,000
Not applicable 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) 3,505 $427,595,000 $121,000 $805,000 $77,000 $1,020,000
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 1,509 $188,555,000 $124,000 $565,000 $82,000 $518,000
Application Withdrawn By Applicant 886 $102,370,000 $115,000 $555,000 $78,000 $1,020,000
Application Denied By Financial Institution 855 $106,675,000 $124,000 $805,000 $67,000 $771,000
Application Approved But Not Accepted 227 $26,365,000 $116,000 $425,000 $81,000 $649,000
File Closed For Incompleteness 26 $3,430,000 $131,000 $415,000 $71,000 $168,000
Preapproval Approved but not Accepted 2 $200,000 $100,000 $115,000 $71,000 $77,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
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 2,650 $320,920,000 $121,000 $565,000 $81,000 $1,020,000
Debt-To-Income Ratio 370 $50,300,000 $135,000 $805,000 $54,000 $373,000
Credit History 297 $33,575,000 $113,000 $605,000 $81,000 $771,000
Collateral 73 $7,985,000 $109,000 $405,000 $77,000 $175,000
Credit Application Incomplete 40 $4,870,000 $121,000 $345,000 $58,000 $149,000
Employment History 35 $4,025,000 $115,000 $285,000 $60,000 $166,000
Other 23 $4,025,000 $175,000 $645,000 $100,000 $280,000
Unverifiable Information 14 $1,270,000 $90,000 $235,000 $69,000 $143,000
Insufficient Cash (Downpayment, Closing Cost) 3 $625,000 $208,000 $375,000 $86,000 $143,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Marine 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 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.
For a list of all lenders in Wisconsin, download the full spreadsheet with aggregated HMDA statistics today.

Download the Wisconsin Lender List