Monroe County, WI Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,722 mortgage applications in Monroe County, WI totaling $346.7 million, up 27% from 2024. The average application was for $201,000, and applicants reported an average income of $104,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was Bank First N.A., with 166 applications, followed by 1st Community Credit Union and Altra Federal 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 1,722
Total Mortgage Loan Application Amount $346,720,000
Average Mortgage Loan Application Amount $201,000
Highest Mortgage Loan Application Amount $4,805,000
Average Applicant Income $104,000
Highest Applicant Income $1,340,000

Mortgage Company List for Lending in Monroe County, WI for 2025

* 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
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ n/a 166 $ 27,880,000
1st Community Credit Union
1000 W. WISCONSIN STREET
SPARTA, WI 54656
* $ n/a 135 $ 23,815,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 105 $ 15,815,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 80 $ 21,450,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 70 $ 17,900,000
Citizens First Bank
101 S MAIN ST
VIROQUA, WI 54665
* $ n/a 67 $ 18,275,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 61 $ 16,855,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 54 $ 6,330,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 32 $ 7,050,000
River Bank
145 N MAIN ST, P.O. BOX 280
STODDARD, WI 54658
* $ n/a 29 $ 14,105,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ n/a 26 $ 5,290,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ n/a 26 $ 3,270,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 25 $ 6,585,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 24 $ 5,630,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 24 $ 4,240,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ n/a 23 $ 5,975,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 22 $ 5,260,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 22 $ 4,630,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 20 $ 4,770,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 20 $ 1,200,000
The First National Bank of Bangor
1798 COMMERCIAL ST
BANGOR, WI 54614
* $ n/a 19 $ 4,585,000
Bank of Ontario
315 MAIN ST
ONTARIO, WI 54651
* $ n/a 19 $ 1,805,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 18 $ 920,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ n/a 15 $ 2,295,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 15 $ 2,005,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 14 $ 3,020,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 13 $ 3,295,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ n/a 13 $ 3,705,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ n/a 13 $ 1,815,000
Westby Co-Op Credit Union
501 N MAIN ST
WESTBY, WI 54667
* $ n/a 13 $ 1,955,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 13 $ 3,045,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ n/a 13 $ 3,695,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 13 $ 3,075,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 12 $ 1,850,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 12 $ 2,990,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ n/a 12 $ 1,980,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 12 $ 2,820,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 1,195,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 11 $ 895,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 11 $ 2,145,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ n/a 10 $ 1,630,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 10 $ 840,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 10 $ 760,000
Park Bank National Association
1200 MAIN STREET PO BOX 100
HOLMEN, WI 54636
* $ n/a 10 $ 1,470,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 10 $ 470,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 10 $ 1,990,000
Governmental Employees Credit Union
225 LA CROSSE ST
LA CROSSE, WI 54601
* $ n/a 9 $ 1,055,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 9 $ 2,245,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 9 $ 1,845,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 9 $ 2,475,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 8 $ 600,000
One Community Bank
733 N MAIN ST
OREGON, WI 53575
* $ n/a 8 $ 2,720,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 8 $ 1,400,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 8 $ 2,380,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 7 $ 635,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 530,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ n/a 6 $ 1,160,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ n/a 6 $ 810,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 6 $ 1,030,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 5 $ 1,565,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 5 $ 1,535,000
Union State Bank
120 S. MILL STREET/ PO BOX 870
WEST SALEM, WI 54669
* $ n/a 5 $ 725,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 5 $ 245,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 5 $ 1,465,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 5 $ 1,685,000
Citizens State Bank
620 MAIN STREET
LA CROSSE, WI 54601
* $ n/a 4 $ 1,020,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 4 $ 740,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 4 $ 870,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 4 $ 1,180,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 4 $ 410,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ n/a 4 $ 1,210,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 4 $ 860,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 3 $ 805,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 3 $ 705,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 635,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 705,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 3 $ 735,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 3 $ 385,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 3 $ 535,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 150,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 540,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 300,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 240,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 2 $ 1,120,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 400,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ n/a 2 $ 410,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ n/a 2 $ 260,000
Educated Mortgage Services LLC
5315 WALL ST STE 270
MADISON, WI 53718
* $ n/a 2 $ 760,000
Mayo Employees Federal Credit Union
130 23RD AVE SW
ROCHESTER, MN 55902
* $ n/a 2 $ 170,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 530,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 2 $ 640,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 2 $ 530,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 470,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ n/a 2 $ 280,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 2 $ 270,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 510,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ n/a 2 $ 250,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ n/a 2 $ 400,000
Bluff View Bank
16893 SOUTH MAIN STREET
GALESVILLE, WI 54630
* $ n/a 2 $ 480,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ n/a 2 $ 420,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 240,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ n/a 2 $ 280,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 360,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 2 $ 610,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ n/a 2 $ 640,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ n/a 2 $ 250,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 2 $ 880,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 2 $ 320,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 510,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 260,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ n/a 1 $ 105,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 195,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 355,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 265,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ n/a 1 $ 115,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 135,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ n/a 1 $ 235,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 355,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 125,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 1 $ 335,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 1 $ 125,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ n/a 1 $ 235,000
Centricity Credit Union
4477 LAVAQUE RD
DULUTH, MN 55811
* $ n/a 1 $ 75,000
The Peoples Community Bank
222 W. COMMERCIAL ST., PO BOX 8
MAZOMANIE, WI 53560
* $ n/a 1 $ 225,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 345,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 1 $ 485,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 185,000
Fortifi Bank
140 W. HURON ST/PO BOX 310
BERLIN, WI 54923
* $ n/a 1 $ 135,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ n/a 1 $ 155,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ n/a 1 $ 15,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 345,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 1 $ 25,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ n/a 1 $ 225,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 1 $ 425,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 1 $ 515,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 165,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 205,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 165,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 325,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 165,000
First Community Credit Union of Beloit
1702 PARK AVE
BELOIT, WI 53511
* $ n/a 1 $ 375,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 1 $ 65,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ n/a 1 $ 165,000
North Shore Trust & Savings
3060 SAND LAKE ROAD
WAUKEGAN, IL 60085
* $ n/a 1 $ 305,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 175,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 345,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 75,000
The Bank of New Glarus
501 FIRST STREET PO BOX 129
NEW GLARUS, WI 53574
* $ n/a 1 $ 145,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 155,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 185,000
Lake Ridge Bank
1205 MAIN STREET
MONONA, WI 53713
* $ n/a 1 $ 425,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 455,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 125,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 245,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 205,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 65,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 215,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 235,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 285,000

The tables below break down 2025 mortgage applications in Monroe 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 Monroe County, WI 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
Home Purchase 782 $191,550,000 $244,000 $2,005,000 $105,000 $1,340,000
Refinancing 337 $81,605,000 $242,000 $4,805,000 $110,000 $932,000
Cash-out Refinancing 315 $51,585,000 $163,000 $595,000 $96,000 $470,000
Other Purpose 154 $11,210,000 $72,000 $405,000 $95,000 $325,000
Home Improvement 125 $8,965,000 $71,000 $375,000 $118,000 $383,000
Not Applicable 9 $1,805,000 $200,000 $395,000 $63,000 $117,000

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 1,287 $245,675,000 $190,000 $2,005,000 $106,000 $1,340,000
Not applicable 174 $54,500,000 $313,000 $4,805,000 $94,000 $178,000
Not Provided 141 $25,085,000 $177,000 $495,000 $99,000 $325,000
Hispanic 67 $11,945,000 $178,000 $485,000 $86,000 $285,000
American Indian or Alaskan Native 19 $2,665,000 $140,000 $335,000 $76,000 $190,000
Black or African American 19 $3,425,000 $180,000 $375,000 $96,000 $215,000
Asian 13 $2,995,000 $230,000 $345,000 $109,000 $222,000
Native Hawaiian or Other Pacific Islander 2 $430,000 $215,000 $255,000 $88,000 $101,000

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) 1,219 $216,545,000 $177,000 $4,805,000 $107,000 $1,340,000
VA-guaranteed (Veterans Administration) 308 $88,420,000 $287,000 $655,000 $104,000 $294,000
FHA-insured (Federal Housing Administration) 173 $36,665,000 $211,000 $535,000 $81,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $5,090,000 $231,000 $485,000 $89,000 $126,000

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 1,067 $224,025,000 $209,000 $4,805,000 $110,000 $1,340,000
Application Denied By Financial Institution 224 $30,680,000 $136,000 $745,000 $81,000 $712,000
Application Withdrawn By Applicant 181 $41,125,000 $227,000 $2,005,000 $107,000 $1,329,000
Loan Purchased By The Institution 115 $28,275,000 $245,000 $655,000 $96,000 $178,000
Application Approved But Not Accepted 75 $11,665,000 $155,000 $565,000 $101,000 $605,000
File Closed For Incompleteness 54 $9,740,000 $180,000 $485,000 $85,000 $230,000
Preapproval Approved but not Accepted 5 $1,015,000 $203,000 $405,000 $126,000 $222,000
Preapproval Denied by Financial Institution 1 $195,000 $195,000 $195,000 $61,000 $61,000

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 1,362 $277,910,000 $204,000 $2,005,000 $108,000 $1,340,000
Debt-To-Income Ratio 198 $47,280,000 $238,000 $4,805,000 $92,000 $712,000
Credit History 76 $9,280,000 $122,000 $585,000 $80,000 $202,000
Collateral 32 $4,130,000 $129,000 $375,000 $91,000 $222,000
Credit Application Incomplete 28 $4,180,000 $149,000 $455,000 $78,000 $234,000
Other 17 $2,465,000 $145,000 $255,000 $82,000 $215,000
Unverifiable Information 6 $730,000 $121,000 $235,000 $85,000 $147,000
Insufficient Cash (Downpayment, Closing Cost) 2 $490,000 $245,000 $255,000 $126,000 $128,000
Mortgage Insurance Denied 1 $255,000 $255,000 $255,000 $88,000 $88,000
Employment History 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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