Lincoln County, WI Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,489 mortgage applications in Lincoln County, WI totaling $184.6 million, up 8% from 2011. The average application was for $123,000, and applicants reported an average income of $67,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Associated Bank NA, with 177 applications, followed by Incrediblebank and Covantage Credit Union.

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Years 2025  2024  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 1,489
Total Mortgage Loan Application Amount $184,635,000
Average Mortgage Loan Application Amount $123,000
Highest Mortgage Loan Application Amount $6,100,000
Average Applicant Income $67,000
Highest Applicant Income $1,866,000

Mortgage Company List for Lending in Lincoln County, WI for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 21,715,012,000 177 $ 19,250,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 984,440,000 151 $ 16,666,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 944,232,000 126 $ 12,633,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 105 $ 12,142,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 103 $ 11,098,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 72 $ 9,927,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 609,985,000 64 $ 7,926,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 44 $ 4,543,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54402
* $ 621,911,000 40 $ 5,275,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 34 $ 2,703,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 34 $ 4,374,000
Advantage Community Bank
101 W BUSINESS COUNTY ROAD A
DORCHESTER, WI 54425
* $ 121,690,000 29 $ 3,049,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 26 $ 3,478,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 24 $ 2,864,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 24 $ 3,925,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 23 $ 2,145,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 19 $ 1,415,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ 302,562,000 16 $ 1,910,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 16 $ 2,231,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,212,296,000 12 $ 903,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 11 $ 1,376,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 9 $ 1,232,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 9 $ 956,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 1,735,536,000 9 $ 1,021,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 8 $ 723,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 8 $ 1,151,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 8 $ 1,247,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 798,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 977,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 7 $ 1,076,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ 10,000,000 7 $ 568,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 6 $ 1,006,000
Brokaw Credit Union
2006 SCHOFIELD AVE
WESTON, WI 54476
* $ 46,564,000 6 $ 806,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,144,525,000 6 $ 950,000
Anchorbank FSB
25 WEST MAIN STREET
MADISON, WI 53703
* $ 3,067,409,000 6 $ 805,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 6 $ 694,000
The Baraboo National Bank
101 THIRD AVENUE, PO BOX 50
BARABOO, WI 53913
* $ 766,052,000 6 $ 525,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 5 $ 753,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 853,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 803,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 5 $ 616,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 1,090,000
Mid-Wisconsin Bank
134 S 8TH ST
MEDFORD, WI 54451
* $ 484,866,000 5 $ 235,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 713,681,000 4 $ 659,000
Guardian Credit Union
4501 W GREENFIELD AVE
MILWAUKEE, WI 53214
* $ 232,742,000 4 $ 178,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 505,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 4 $ 658,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 591,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ 10,000,000 4 $ 655,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 4 $ 620,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 4 $ 617,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 4 $ 247,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ 270,864,000 4 $ 603,000
Marathon Bank
500 SCOTT ST
WAUSAU, WI 54403
* $ 178,166,000 4 $ 522,000
Bank of Wausau
2010 STEWART AVE
WAUSAU, WI 54401
* $ 66,503,000 3 $ 213,000
Integrity First Bank
101 GRAND AVE
WAUSAU, WI 54403
* $ 99,114,000 3 $ 453,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 19,007,020,000 3 $ 263,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 3 $ 323,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 580,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 286,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 1,778,441,000 2 $ 193,000
Citizens Bank
301 N ROCHESTER ST PO BOX 223
MUKWONAGO, WI 53149
* $ 650,838,000 2 $ 331,000
Wolf River Community Bank
309 E MAIN ST
HORTONVILLE, WI 54944
* $ 126,610,000 2 $ 196,000
Valley Communities Credit Union
1105 WESTERN AVE
MOSINEE, WI 54455
* $ 110,313,000 2 $ 76,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 1,427,501,000 2 $ 318,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 2 $ 363,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 546,918,000 2 $ 82,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ 332,257,000 2 $ 2,428,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 265,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 262,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 2 $ 363,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 148,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 2 $ 122,000
Woodtrust Bank, N.A.
181 2ND ST S, PO BOX 8000
WISCONSIN RAPIDS, WI 54495
* $ 331,215,000 2 $ 340,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 2 $ 307,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 165,000
Choice Bank
2450 WITZEL AVENUE
OSHKOSH, WI 54904
* $ 175,010,000 1 $ 144,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 88,000
American National Bank Fox Cities
2200 N RICHMOND ST
APPLETON, WI 54911
* $ 258,108,000 1 $ 394,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,283,070,000 1 $ 151,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 662,257,000 1 $ 261,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 103,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 25,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 1 $ 60,000
Monona Bank
5515 MONONA DRIVE
MONONA, WI 53716
* $ 343,542,000 1 $ 290,000
Middleton Community Bank
3207 PARMENTER ST
MIDDLETON, WI 53562
* $ 218,136,000 1 $ 122,000
The First National Bank in Tremont
134 S SAMPSON STREET
TREMONT, IL 61568
* $ 119,368,000 1 $ 148,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 132,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 1 $ 183,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ 1,939,325,000 1 $ 160,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 98,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 1 $ 83,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 1 $ 176,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 144,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 107,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 176,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 38,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 123,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 176,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 119,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 1 $ 120,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 27,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 130,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 150,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 236,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 156,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 198,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 216,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 128,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 348,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 120,000
Town Bank
850 W. NORTH SHORE DR.
HARTLAND, WI 53029
* $ 791,978,000 1 $ 840,000
Badger Bank
220 GRANT ST/PO BOX 26
FORT ATKINSON, WI 53538
* $ 108,149,000 1 $ 238,000
Mound City Bank
25 E PINE STREET
PLATTEVILLE, WI 53818
* $ 252,684,000 1 $ 103,000
Oostburg State Bank
905 CENTER AVE
OOSTBURG, WI 53070
* $ 174,586,000 1 $ 90,000
Horicon Bank
326 E LAKE ST, PO BOX 144
HORICON, WI 53032
* $ 506,476,000 1 $ 92,000
Community First Bank
5525 US HIGHWAY 10 E
STEVENS POINT, WI 54482
* $ 65,478,000 1 $ 107,000
Partners Bank of Wisconsin
907 NORTH CENTRAL AVE., PO BOX 730
MARSHFIELD, WI 54449
* $ 102,343,000 1 $ 93,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 345,172,000 1 $ 260,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 558,221,000 1 $ 133,000
Farmers & Merchants Union Bank
159 W JAMES ST PO BOX 226
COLUMBUS, WI 53925
* $ 292,979,000 1 $ 215,000
Dmb Community Bank
321 N MAIN ST
DEFOREST, WI 53532
* $ 325,780,000 1 $ 175,000
Collins State Bank
20741 COUNTY ROAD JJ
COLLINS, WI 54207
* $ 47,900,000 1 $ 135,000
Mid America Bank
2317 MILTON AVE
JANESVILLE, WI 53545
* $ 118,088,000 1 $ 181,000
Bank of Kaukauna
264 W. WISCONSIN AVENUE, P.O. BOX 320
KAUKAUNA, WI 54130
* $ 88,492,000 1 $ 188,000
River Falls State Bank
124 S. SECOND STREET
RIVER FALLS, WI 54022
* $ 81,873,000 1 $ 133,000
Bank Mutual
4949 W BROWN DEER RD
MILWAUKEE, WI 53224
* $ 2,497,000,000 1 $ 200,000
Pyramax Bank FSB
7001 W. EDGERTON AVENUE
GREENFIELD, WI 53220
* $ 456,093,000 1 $ 157,000
Wps Community Bank, FSB
5900 GISHOLT DR
MADISON, WI 53713
* $ 52,196,000 1 $ 157,000
Union Bank & Trust Company
2 E MAIN STREET
EVANSVILLE, WI 53536
* $ 196,640,000 1 $ 63,000
Baylake Bank
217 N 4TH AVE
STURGEON BAY, WI 54235
* $ 1,087,747,000 1 $ 176,000
North Shore Bank FSB
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ 1,769,349,000 1 $ 6,100,000
Fox Valley Savings Bank
51 EAST FIRST STREET
FOND DU LAC, WI 54935
* $ 311,202,000 1 $ 144,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 112,000
First Federal Bank of Wisconsin
1617 E RACINE AVE
WAUKESHA, WI 53186
* $ 119,169,000 1 $ 145,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 257,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,140,785,000 1 $ 167,000
Bank of Luxemburg
630 MAIN ST
LUXEMBURG, WI 54217
* $ 253,777,000 1 $ 500,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 426,033,000 1 $ 50,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 1,270,979,000 1 $ 59,000
Cloverbelt Credit Union
110 MCINDOE ST, PO BOX 659
WAUSAU, WI 54402
* $ 168,965,000 1 $ 50,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ 1,587,453,000 1 $ 172,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 743,286,000 1 $ 176,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ 417,556,000 1 $ 37,000
1st Advantage Mortgage
701 E 22ND ST, STE 125
LOMBARD, IL 60148
* $ 10,000,000 1 $ 298,000
Fond Du Lac Credit Union
91 N PIONEER RD
FOND DU LAC, WI 54935
* $ 47,555,000 1 $ 34,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 227,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 83,000

The tables below break down 2012 mortgage applications in Lincoln County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lincoln County, WI in 2012

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
Refinancing 1,103 $145,122,000 $131,000 $6,100,000 $70,000 $1,866,000
Home Purchase 313 $34,218,000 $109,000 $840,000 $63,000 $1,054,000
Home Improvement 73 $5,295,000 $72,000 $270,000 $47,000 $188,000

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 1,290 $153,359,000 $118,000 $1,000,000 $71,000 $1,866,000
Not applicable 103 $19,226,000 $186,000 $6,100,000 $23,000 $180,000
Not Provided 81 $10,108,000 $124,000 $365,000 $64,000 $207,000
Hispanic 6 $899,000 $149,000 $260,000 $133,000 $454,000
American Indian or Alaskan Native 5 $836,000 $167,000 $316,000 $82,000 $143,000
Native Hawaiian or Other Pacific Islander 2 $127,000 $63,000 $76,000 $66,000 $68,000
Asian 1 $20,000 $20,000 $20,000 $52,000 $52,000
Black or African American 1 $60,000 $60,000 $60,000 $59,000 $59,000

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) 1,164 $145,413,000 $124,000 $6,100,000 $75,000 $1,866,000
FHA-insured (Federal Housing Administration) 144 $18,116,000 $125,000 $270,000 $40,000 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 123 $12,494,000 $101,000 $1,214,000 $34,000 $76,000
VA-guaranteed (Veterans Administration) 58 $8,612,000 $148,000 $356,000 $41,000 $164,000

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 859 $101,289,000 $117,000 $1,214,000 $71,000 $1,866,000
Application Denied By Financial Institution 282 $35,754,000 $126,000 $1,000,000 $66,000 $653,000
Loan Purchased By The Institution 142 $16,496,000 $116,000 $348,000 $39,000 $271,000
Application Withdrawn By Applicant 122 $20,967,000 $171,000 $6,100,000 $70,000 $292,000
File Closed For Incompleteness 48 $6,354,000 $132,000 $285,000 $66,000 $248,000
Application Approved But Not Accepted 36 $3,775,000 $104,000 $255,000 $85,000 $454,000
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
Collateral 65 $8,357,000 $128,000 $385,000 $85,000 $653,000
Credit History 48 $5,700,000 $118,000 $500,000 $58,000 $185,000
Debt-To-Income Ratio 31 $4,945,000 $159,000 $1,000,000 $52,000 $179,000
Other 22 $2,576,000 $117,000 $252,000 $79,000 $205,000
Credit Application Incomplete 14 $1,462,000 $104,000 $216,000 $73,000 $139,000
Unverifiable Information 8 $956,000 $119,000 $349,000 $63,000 $174,000
Employment History 3 $372,000 $124,000 $150,000 $51,000 $67,000
Insufficient Cash (Downpayment, Closing Cost) 2 $238,000 $119,000 $124,000 $17,000 $34,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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