Lincoln County, WI Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,103 mortgage applications in Lincoln County, WI totaling $159.6 million, down 20% from 2022. The average application was for $144,000, and applicants reported an average income of $97,000. 66% of applications resulted in an originated loan and 15% were denied. The most active lender was Covantage Credit Union, with 219 applications, followed by Crossbridge Community Bank and Associated Bank NA.

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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 1,103
Total Mortgage Loan Application Amount $159,595,000
Average Mortgage Loan Application Amount $144,000
Highest Mortgage Loan Application Amount $9,995,000
Average Applicant Income $97,000
Highest Applicant Income $1,190,000

Mortgage Company List for Lending in Lincoln County, WI for 2023

* 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
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 2,963,887,000 219 $ 19,575,000
Crossbridge Community Bank
15 E WISCONSIN AVE
TOMAHAWK, WI 54487
* $ 199,267,000 137 $ 17,875,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 39,358,786,000 59 $ 7,175,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,895,358,000 55 $ 8,065,000
Park City Credit Union
501 S PINE RIDGE AVE
MERRILL, WI 54452
* $ 329,193,000 36 $ 4,060,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 34 $ 3,470,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 8,748,360,000 32 $ 3,960,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 31 $ 4,495,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 26 $ 1,560,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 6,224,510,000 25 $ 3,185,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 22 $ 1,270,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 4,080,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 16 $ 1,960,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 2,625,000
Cloverbelt Credit Union
110 MCINDOE ST, PO BOX 659
WAUSAU, WI 54402
* $ 308,877,000 14 $ 2,120,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 13 $ 1,585,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54401
* $ 1,337,361,000 13 $ 2,185,000
Intercity State Bank
962 GRAND AVE
SCHOFIELD, WI 54476
* $ 259,345,000 11 $ 1,495,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,425,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 2,065,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 5,145,209,000 10 $ 1,370,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,034,078,000 10 $ 1,500,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 8 $ 1,470,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 925,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ 618,334,000 7 $ 1,545,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 7 $ 805,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 931,741,000 6 $ 830,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 960,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 1,060,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 685,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 5 $ 785,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,385,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,552,579,000 5 $ 355,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 4 $ 710,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ 431,935,000 4 $ 620,000
Brokaw Credit Union
2006 SCHOFIELD AVE
WESTON, WI 54476
* $ 70,996,000 4 $ 280,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 4 $ 610,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 4 $ 620,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 490,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 475,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 3 $ 525,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 6,153,509,000 3 $ 865,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 3 $ 225,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 3 $ 585,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 435,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 685,000
Horicon Bank
326 E LAKE ST, PO BOX 144
HORICON, WI 53032
* $ 1,251,474,000 3 $ 1,255,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 3 $ 195,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 270,000
Premierbank
100 SHERMAN AVE E
FORT ATKINSON, WI 53538
* $ 554,421,000 2 $ 810,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 2,202,960,000 2 $ 2,610,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 2 $ 290,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 450,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 2 $ 250,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 360,000
Citizens State Bank
620 MAIN STREET
LA CROSSE, WI 54601
* $ 551,193,000 2 $ 180,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 1,010,000
Glacier Hills Credit Union
2150 S. MAIN STREET
WEST BEND, WI 53095
* $ 219,588,000 2 $ 30,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 2 $ 170,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 2 $ 250,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ 3,658,116,000 2 $ 250,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 430,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 530,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 290,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 70,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 2 $ 460,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 1,600,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 330,000
North Shore Bank
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ 2,582,111,000 2 $ 10,050,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 390,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 1,675,982,000 1 $ 115,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ 935,505,000 1 $ 105,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 1 $ 115,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 195,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 185,000
Citizens State Bank
304 N MAIN STREET
CADOTT, WI 54727
* $ 175,713,000 1 $ 185,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 195,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 1 $ 605,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 65,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 1 $ 205,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 225,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 205,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Waterman Bank
248 W LINCOLN HWY
WATERMAN, IL 60556
* $ 112,179,000 1 $ 375,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 125,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,382,388,000 1 $ 415,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 55,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ 5,883,754,000 1 $ 105,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 165,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 25,000
Marathon Bank
500 SCOTT ST
WAUSAU, WI 54403
* $ 236,600,000 1 $ 65,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 11,283,366,000 1 $ 55,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 375,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 45,000
New Century Bank
1211 28TH ST
BELLEVILLE, KS 66935
* $ 54,829,000 1 $ 365,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ 212,280,000 1 $ 75,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 105,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 295,000
The Bank of Brodhead
806 E EXCHANGE ST.
BRODHEAD, WI 53520
* $ 266,402,000 1 $ 135,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 6,057,275,000 1 $ 35,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 235,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 95,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 31,424,000,000 1 $ 855,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 115,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 365,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 375,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 1 $ 285,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 175,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 275,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 255,000
Imagine Home Lending, LLC
1037 RIDERS CLUB RD
ONALASKA, WI 54650
* $ -1,000 1 $ 135,000
Cibm Bank
19601 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53045
* $ 745,082,000 1 $ 295,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ 2,318,949,000 1 $ 25,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 165,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 155,000
Great Midwest Bank SSB
15900 W BLUEMOUND RD
BROOKFIELD, WI 53005
* $ 908,733,000 1 $ 125,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 475,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 475,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 115,000
Farmers & Merchants Union Bank
159 W JAMES ST PO BOX 226
COLUMBUS, WI 53925
* $ 449,750,000 1 $ 125,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ 781,550,000 1 $ 65,000
Valley Communities Credit Union
1105 WESTERN AVE
MOSINEE, WI 54455
* $ 235,129,000 1 $ 125,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,746,039,000 1 $ 55,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 708,340,000 1 $ 25,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ 2,693,982,000 1 $ 45,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ 3,121,954,000 1 $ 45,000
Waukesha State Bank
151 E ST PAUL AVE P.O. BOX 648
WAUKESHA, WI 53187
* $ 1,513,958,000 1 $ 385,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 225,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 145,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 75,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 105,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 1 $ 25,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 55,000
Taylor Credit Union
825 E ALLMAN ST
MEDFORD, WI 54451
* $ 81,117,000 1 $ 305,000
A+ Mortgage Services, Inc.
W188S7820 RACINE AVE SUITE 100
MUSKEGO, WI 53150
* $ -1,000 1 $ 135,000
Peshtigo National Bank
250 FRENCH STREET
PESHTIGO, WI 54157
* $ 264,376,000 1 $ 175,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,815,328,000 1 $ 105,000
Thompson Kane & Company, Inc
8020 EXCELSIOR DRIVE SUITE 401
MADISON, WI 53717
* $ -1,000 1 $ 305,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ 2,635,396,000 1 $ 185,000
Holcomb Bank
108 W MAIN ST
ROCHELLE, IL 61068
* $ 317,162,000 1 $ 185,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 1 $ 165,000
Fox Valley Savings Bank
51 EAST FIRST STREET
FOND DU LAC, WI 54935
* $ 394,538,000 1 $ 885,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,677,655,000 1 $ 315,000
Pioneer Bank
320 STADIUM ROAD SUITE 100
MANKATO, MN 56001
* $ 824,512,000 1 $ 255,000
Accunet Mortgage LLC
13000 W SILVER SPRING DR.
WAUKESHA, WI 53188
* $ -1,000 1 $ 155,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ -1,000 1 $ 135,000
The Equitable Bank SSB
2290 NORTH MAYFAIR ROAD
WAUWATOSA, WI 53226
* $ 336,426,000 1 $ 165,000
Community State Bank
1500 MAIN STREET
UNION GROVE, WI 53182
* $ 620,990,000 1 $ 185,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,937,869,000 1 $ 175,000

The tables below break down 2023 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 2023

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 499 $105,915,000 $212,000 $9,995,000 $104,000 $1,190,000
Cash-out Refinancing 230 $27,700,000 $120,000 $425,000 $87,000 $318,000
Other Purpose 174 $11,200,000 $64,000 $505,000 $99,000 $897,000
Refinancing 110 $9,230,000 $83,000 $395,000 $85,000 $236,000
Home Improvement 89 $5,425,000 $60,000 $205,000 $102,000 $550,000
Not Applicable 1 $125,000 $125,000 $125,000 $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 855 $119,515,000 $139,000 $1,365,000 $100,000 $1,190,000
Not Provided 160 $16,320,000 $102,000 $605,000 $83,000 $293,000
Not applicable 66 $20,680,000 $313,000 $9,995,000 $84,000 $98,000
Hispanic 10 $710,000 $71,000 $175,000 $86,000 $172,000
American Indian or Alaskan Native 4 $670,000 $167,000 $205,000 $71,000 $138,000
Black or African American 4 $800,000 $200,000 $365,000 $161,000 $468,000
Asian 3 $745,000 $248,000 $455,000 $230,000 $461,000
Native Hawaiian or Other Pacific Islander 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) 943 $132,185,000 $140,000 $9,995,000 $102,000 $1,190,000
FHA-insured (Federal Housing Administration) 97 $14,975,000 $154,000 $425,000 $69,000 $155,000
VA-guaranteed (Veterans Administration) 52 $10,490,000 $201,000 $625,000 $74,000 $210,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,945,000 $176,000 $275,000 $63,000 $87,000

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 724 $110,540,000 $152,000 $9,995,000 $104,000 $1,190,000
Application Denied By Financial Institution 167 $18,375,000 $110,000 $625,000 $72,000 $344,000
Application Withdrawn By Applicant 104 $15,350,000 $147,000 $1,365,000 $91,000 $387,000
Loan Purchased By The Institution 37 $7,105,000 $192,000 $475,000 $77,000 $98,000
File Closed For Incompleteness 35 $4,435,000 $126,000 $405,000 $91,000 $550,000
Application Approved But Not Accepted 34 $3,500,000 $102,000 $395,000 $105,000 $461,000
Preapproval Approved but not Accepted 2 $290,000 $145,000 $185,000 $113,000 $116,000
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 747 $115,565,000 $154,000 $9,995,000 $98,000 $1,190,000
Debt-To-Income Ratio 257 $33,835,000 $131,000 $625,000 $103,000 $897,000
Credit History 37 $2,915,000 $78,000 $255,000 $72,000 $161,000
Collateral 29 $3,475,000 $119,000 $365,000 $81,000 $230,000
Credit Application Incomplete 15 $2,035,000 $135,000 $605,000 $83,000 $236,000
Other 13 $945,000 $72,000 $225,000 $68,000 $120,000
Employment History 3 $405,000 $135,000 $205,000 $52,000 $60,000
Unverifiable Information 2 $420,000 $210,000 $225,000 $196,000 $344,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
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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