Marine Credit Union Mortgage Lending & HMDA Data, 2024

In 2024, Marine Credit Union of La Crosse, WI reported 2,897 mortgage applications totaling $353.4 million, down 9% from 2023. The average application was for $121,979, and applicants reported an average income of $87,985. 34% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (389), Des Moines-West Des Moines, IA (227) and Fond Du Lac, 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 2,897
Total Mortgage Loan Application Amount $353,375,000
Average Mortgage Loan Application Amount $121,979
Highest Mortgage Loan Application Amount $1,145,000
Average Applicant Income $87,985
Highest Applicant Income $1,126,000

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Act (HMDA) records Marine Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Milwaukee, Wisconsin 289 $ 31,655,000 $ 109,532 $ 76,000
Fond du Lac, Wisconsin 224 $ 23,850,000 $ 106,473 $ 86,000
Polk, Iowa 157 $ 20,305,000 $ 129,331 $ 87,000
Chippewa, Wisconsin 105 $ 12,845,000 $ 122,333 $ 93,000
Brown, Wisconsin 104 $ 15,070,000 $ 144,903 $ 102,000
Racine, Wisconsin 80 $ 10,380,000 $ 129,750 $ 94,000
La Crosse, Wisconsin 79 $ 9,855,000 $ 124,746 $ 82,000
Eau Claire, Wisconsin 69 $ 9,425,000 $ 136,594 $ 79,000
Winnebago, Wisconsin 62 $ 8,100,000 $ 130,645 $ 89,000
Waukesha, Wisconsin 53 $ 8,145,000 $ 153,679 $ 97,000
Dodge, Wisconsin 51 $ 5,365,000 $ 105,196 $ 89,000
Scott, Iowa 49 $ 4,805,000 $ 98,061 $ 94,000
Rock Island, Illinois 48 $ 4,810,000 $ 100,208 $ 82,000
Outagamie, Wisconsin 48 $ 5,560,000 $ 115,833 $ 99,000
Sheboygan, Wisconsin 48 $ 5,510,000 $ 114,791 $ 78,000
Olmsted, Minnesota 44 $ 7,660,000 $ 174,090 $ 86,000
Crawford, Wisconsin 44 $ 3,880,000 $ 88,181 $ 83,000
Grant, Wisconsin 44 $ 5,040,000 $ 114,545 $ 87,000
Manitowoc, Wisconsin 41 $ 4,515,000 $ 110,121 $ 82,000
Oconto, Wisconsin 40 $ 3,860,000 $ 96,500 $ 84,000
Monroe, Wisconsin 39 $ 4,995,000 $ 128,076 $ 79,000
Kenosha, Wisconsin 34 $ 4,070,000 $ 119,705 $ 84,000
Marinette, Wisconsin 34 $ 3,160,000 $ 92,941 $ 82,000
Washington, Wisconsin 32 $ 5,050,000 $ 157,812 $ 107,000
Dallas, Iowa 30 $ 4,640,000 $ 154,666 $ 160,000
Dunn, Wisconsin 30 $ 3,590,000 $ 119,666 $ 82,000
Rock, Wisconsin 30 $ 3,570,000 $ 119,000 $ 81,000
Juneau, Wisconsin 29 $ 3,225,000 $ 111,206 $ 105,000
Allamakee, Iowa 27 $ 3,395,000 $ 125,740 $ 77,000
Calumet, Wisconsin 26 $ 3,400,000 $ 130,769 $ 69,000
Barron, Wisconsin 25 $ 2,945,000 $ 117,800 $ 82,000
Winneshiek, Iowa 24 $ 2,790,000 $ 116,250 $ 68,000
Vernon, Wisconsin 24 $ 3,410,000 $ 142,083 $ 79,000
Clayton, Iowa 23 $ 1,735,000 $ 75,434 $ 89,000
Jackson, Wisconsin 23 $ 3,175,000 $ 138,043 $ 86,000
Waushara, Wisconsin 23 $ 3,365,000 $ 146,304 $ 102,000
Clark, Wisconsin 22 $ 2,270,000 $ 103,181 $ 80,000
Dane, Wisconsin 22 $ 3,920,000 $ 178,181 $ 110,000
Iowa, Wisconsin 22 $ 2,680,000 $ 121,818 $ 75,000
Waupaca, Wisconsin 22 $ 2,420,000 $ 110,000 $ 88,000
Fillmore, Minnesota 21 $ 2,615,000 $ 124,523 $ 79,000
Rusk, Wisconsin 21 $ 2,095,000 $ 99,761 $ 73,000
Green, Wisconsin 20 $ 2,300,000 $ 115,000 $ 80,000
Trempealeau, Wisconsin 20 $ 2,500,000 $ 125,000 $ 91,000
Warren, Iowa 19 $ 2,395,000 $ 126,052 $ 82,000
Green Lake, Wisconsin 17 $ 1,235,000 $ 72,647 $ 78,000
Jefferson, Wisconsin 17 $ 2,785,000 $ 163,823 $ 105,000
Kewaunee, Wisconsin 17 $ 2,165,000 $ 127,352 $ 74,000
Walworth, Wisconsin 17 $ 3,185,000 $ 187,352 $ 103,000
Muscatine, Iowa 16 $ 1,470,000 $ 91,875 $ 103,000
Marquette, Wisconsin 16 $ 1,840,000 $ 115,000 $ 70,000
Ozaukee, Wisconsin 15 $ 2,565,000 $ 171,000 $ 98,000
Shawano, Wisconsin 15 $ 1,615,000 $ 107,666 $ 70,000
Fayette, Iowa 14 $ 1,050,000 $ 75,000 $ 105,000
St. Croix, Wisconsin 14 $ 3,070,000 $ 219,285 $ 129,000
Houston, Minnesota 13 $ 1,505,000 $ 115,769 $ 80,000
Mower, Minnesota 13 $ 1,955,000 $ 150,384 $ 110,000
Adams, Wisconsin 13 $ 1,685,000 $ 129,615 $ 98,000
Sauk, Wisconsin 12 $ 1,350,000 $ 112,500 $ 72,000
Winona, Minnesota 11 $ 1,765,000 $ 160,454 $ 119,000
Clinton, Iowa 10 $ 970,000 $ 97,000 $ 64,000
Madison, Iowa 10 $ 1,620,000 $ 162,000 $ 96,000
Marathon, Wisconsin 10 $ 850,000 $ 85,000 $ 98,000
Wood, Wisconsin 10 $ 770,000 $ 77,000 $ 73,000
Jasper, Iowa 9 $ 785,000 $ 87,222 $ 68,000
Buffalo, Wisconsin 9 $ 1,375,000 $ 152,777 $ 56,000
Door, Wisconsin 9 $ 1,175,000 $ 130,555 $ 74,000
Richland, Wisconsin 9 $ 1,005,000 $ 111,666 $ 126,000
Taylor, Wisconsin 9 $ 1,015,000 $ 112,777 $ 98,000
Wabasha, Minnesota 8 $ 920,000 $ 115,000 $ 110,000
Forest, Wisconsin 8 $ 1,310,000 $ 163,750 $ 93,000
Henry, Illinois 7 $ 1,035,000 $ 147,857 $ 80,000
Lake, Illinois 7 $ 905,000 $ 129,285 $ 49,000
Dubuque, Iowa 7 $ 555,000 $ 79,285 $ 77,000
Columbia, Wisconsin 7 $ 1,265,000 $ 180,714 $ 119,000
Lincoln, Wisconsin 7 $ 665,000 $ 95,000 $ 74,000
Mercer, Illinois 6 $ 510,000 $ 85,000 $ 75,000
Johnson, Iowa 6 $ 700,000 $ 116,666 $ 106,000
Marion, Iowa 6 $ 610,000 $ 101,666 $ 120,000
Pierce, Wisconsin 6 $ 1,010,000 $ 168,333 $ 134,000
Sawyer, Wisconsin 6 $ 650,000 $ 108,333 $ 113,000
Howard, Iowa 5 $ 595,000 $ 119,000 $ 78,000
Keokuk, Iowa 5 $ 385,000 $ 77,000 $ 73,000
Marshall, Iowa 5 $ 465,000 $ 93,000 $ 48,000
Ringgold, Iowa 5 $ 255,000 $ 51,000 $ 64,000
Wayne, Iowa 5 $ 765,000 $ 153,000 $ 229,000
Ashland, Wisconsin 5 $ 875,000 $ 175,000 $ 116,000
Adair, Iowa 4 $ 190,000 $ 47,500 $ 57,000
Black Hawk, Iowa 4 $ 490,000 $ 122,500 $ 69,000
Poweshiek, Iowa 4 $ 520,000 $ 130,000 $ 92,000
Story, Iowa 4 $ 600,000 $ 150,000 $ 138,000
Union, Iowa 4 $ 430,000 $ 107,500 $ 69,000
Lafayette, Wisconsin 4 $ 570,000 $ 142,500 $ 77,000
Cook, Illinois 3 $ 545,000 $ 181,666 $ 91,000
Whiteside, Illinois 3 $ 415,000 $ 138,333 $ 112,000
Winnebago, Illinois 3 $ 225,000 $ 75,000 $ 93,000
Boone, Iowa 3 $ 485,000 $ 161,666 $ 89,000
Cass, Iowa 3 $ 885,000 $ 295,000 $ 150,000
Cedar, Iowa 3 $ 305,000 $ 101,666 $ 66,000
Cerro Gordo, Iowa 3 $ 365,000 $ 121,666 $ 152,000
Louisa, Iowa 3 $ 225,000 $ 75,000 $ 55,000
Dodge, Minnesota 3 $ 375,000 $ 125,000 $ 136,000
Goodhue, Minnesota 3 $ 915,000 $ 305,000 $ 108,000
Burnett, Wisconsin 3 $ 1,155,000 $ 385,000 $ 69,000
Langlade, Wisconsin 3 $ 325,000 $ 108,333 $ 71,000
Pepin, Wisconsin 3 $ 335,000 $ 111,666 $ 93,000
Price, Wisconsin 3 $ 385,000 $ 128,333 $ 88,000
Washburn, Wisconsin 3 $ 275,000 $ 91,666 $ 41,000
Jo Daviess, Illinois 2 $ 320,000 $ 160,000 $ 122,000
Knox, Illinois 2 $ 330,000 $ 165,000 $ 128,000
McHenry, Illinois 2 $ 690,000 $ 345,000 $ 170,000
Stephenson, Illinois 2 $ 210,000 $ 105,000 $ 105,000
Tazewell, Illinois 2 $ 220,000 $ 110,000 $ 43,000
Bremer, Iowa 2 $ 200,000 $ 100,000 $ 92,000
Carroll, Iowa 2 $ 60,000 $ 30,000 $ 126,000
Chickasaw, Iowa 2 $ 200,000 $ 100,000 $ 124,000
Decatur, Iowa 2 $ 210,000 $ 105,000 $ 80,000
Des Moines, Iowa 2 $ 90,000 $ 45,000 $ 73,000
Floyd, Iowa 2 $ 370,000 $ 185,000 $ 88,000
Greene, Iowa 2 $ 200,000 $ 100,000 $ 86,000
Guthrie, Iowa 2 $ 160,000 $ 80,000 $ 64,000
Hardin, Iowa 2 $ 170,000 $ 85,000 $ 82,000
Pottawattamie, Iowa 2 $ 140,000 $ 70,000 $ 88,000
Tama, Iowa 2 $ 300,000 $ 150,000 $ 98,000
Van Buren, Iowa 2 $ 160,000 $ 80,000 $ 108,000
Wapello, Iowa 2 $ 190,000 $ 95,000 $ 105,000
Anoka, Minnesota 2 $ 100,000 $ 50,000 $ 151,000
Freeborn, Minnesota 2 $ 300,000 $ 150,000 $ 79,000
Hennepin, Minnesota 2 $ 190,000 $ 95,000 $ 68,000
Jackson, Minnesota 2 $ 410,000 $ 205,000 $ 205,000
Martin, Minnesota 2 $ 160,000 $ 80,000 $ 102,000
Pine, Minnesota 2 $ 210,000 $ 105,000 $ 70,000
Stearns, Minnesota 2 $ 360,000 $ 180,000 $ 175,000
Steele, Minnesota 2 $ 330,000 $ 165,000 $ 73,000
Waseca, Minnesota 2 $ 180,000 $ 90,000 $ 91,000
Oneida, Wisconsin 2 $ 360,000 $ 180,000 $ 96,000
Polk, Wisconsin 2 $ 320,000 $ 160,000 $ 46,000
Portage, Wisconsin 2 $ 410,000 $ 205,000 $ 94,000
Kane, Illinois 1 $ 45,000 $ 45,000 $ 59,000
Warren, Illinois 1 $ 165,000 $ 165,000 $ 191,000
Adams, Iowa 1 $ 25,000 $ 25,000 $ 43,000
Buchanan, Iowa 1 $ 95,000 $ 95,000 $ 51,000
Butler, Iowa 1 $ 125,000 $ 125,000 $ 120,000
Calhoun, Iowa 1 $ 185,000 $ 185,000 $ 30,000
Crawford, Iowa 1 $ 125,000 $ 125,000 $ 277,000
Hamilton, Iowa 1 $ 205,000 $ 205,000 $ 223,000
Humboldt, Iowa 1 $ 95,000 $ 95,000 $ 96,000
Iowa, Iowa 1 $ 125,000 $ 125,000 $ 67,000
Linn, Iowa 1 $ 45,000 $ 45,000 $ 80,000
Lucas, Iowa 1 $ 85,000 $ 85,000 $ 35,000
Mahaska, Iowa 1 $ 45,000 $ 45,000 $ 42,000
Mills, Iowa 1 $ 85,000 $ 85,000 $ 65,000
Monona, Iowa 1 $ 165,000 $ 165,000 $ 84,000
Monroe, Iowa 1 $ 25,000 $ 25,000 $ 58,000
O'Brien, Iowa 1 $ 65,000 $ 65,000 $ 35,000
Sac, Iowa 1 $ 205,000 $ 205,000 $ 91,000
Taylor, Iowa 1 $ 25,000 $ 25,000 $ 41,000
Winnebago, Iowa 1 $ 75,000 $ 75,000 $ 159,000
Benton, Minnesota 1 $ 105,000 $ 105,000 $ 54,000
Carver, Minnesota 1 $ 45,000 $ 45,000 $ 78,000
Cottonwood, Minnesota 1 $ 55,000 $ 55,000 $ 94,000
Dakota, Minnesota 1 $ 245,000 $ 245,000 $ 81,000
Itasca, Minnesota 1 $ 65,000 $ 65,000 $ 129,000
Le Sueur, Minnesota 1 $ 45,000 $ 45,000 $ 53,000
Rice, Minnesota 1 $ 15,000 $ 15,000 $ 77,000
Washington, Minnesota 1 $ 185,000 $ 185,000 $ 160,000
Bayfield, Wisconsin 1 $ 175,000 $ 175,000 $ 228,000
Douglas, Wisconsin 1 $ 35,000 $ 35,000 $ 114,000
Florence, Wisconsin 1 $ 205,000 $ 205,000 $ 111,000

Mortgage Loan Application Detail Totals for Marine Credit Union in 2024

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 2,019 $213,985,000 $105,000 $695,000 $90,000 $1,126,000
Home Purchase 569 $95,245,000 $167,000 $1,145,000 $83,000 $919,000
Refinancing 309 $44,145,000 $142,000 $615,000 $84,000 $706,000
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 2,194 $261,000,000 $118,000 $725,000 $90,000 $1,126,000
Hispanic 384 $54,600,000 $142,000 $595,000 $78,000 $706,000
Black or African American 170 $18,820,000 $110,000 $375,000 $80,000 $291,000
Not Provided 91 $11,165,000 $122,000 $455,000 $85,000 $230,000
Asian 39 $6,605,000 $169,000 $1,145,000 $94,000 $288,000
American Indian or Alaskan Native 19 $1,185,000 $62,000 $135,000 $99,000 $291,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
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) 2,897 $353,375,000 $121,000 $1,145,000 $88,000 $1,126,000
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
Application Denied By Financial Institution 1,038 $129,910,000 $125,000 $725,000 $85,000 $1,126,000
Loan Originated 989 $114,475,000 $115,000 $585,000 $92,000 $583,000
Application Withdrawn By Applicant 628 $81,720,000 $130,000 $1,145,000 $89,000 $706,000
Application Approved But Not Accepted 230 $26,350,000 $114,000 $485,000 $85,000 $230,000
File Closed For Incompleteness 12 $920,000 $76,000 $255,000 $76,000 $133,000
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 1,859 $223,465,000 $120,000 $1,145,000 $90,000 $706,000
Credit History 419 $49,225,000 $117,000 $535,000 $92,000 $355,000
Debt-To-Income Ratio 414 $56,740,000 $137,000 $725,000 $70,000 $1,126,000
Credit Application Incomplete 73 $7,915,000 $108,000 $505,000 $94,000 $430,000
Collateral 54 $5,290,000 $97,000 $445,000 $117,000 $598,000
Employment History 24 $3,620,000 $150,000 $525,000 $84,000 $220,000
Unverifiable Information 21 $2,795,000 $133,000 $525,000 $164,000 $1,126,000
Insufficient Cash (Downpayment, Closing Cost) 17 $1,955,000 $115,000 $245,000 $57,000 $106,000
Other 16 $2,370,000 $148,000 $505,000 $79,000 $208,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Marine Credit Union's 2024 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