Monroe County, WI Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,545 mortgage applications in Monroe County, WI totaling $263.9 million, down 35% from 2021. The average application was for $170,000, and applicants reported an average income of $96,000. 68% of applications resulted in an originated loan and 11% were denied. The most active lender was Bank First N.A., with 179 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 1,545
Total Mortgage Loan Application Amount $263,885,000
Average Mortgage Loan Application Amount $170,000
Highest Mortgage Loan Application Amount $1,725,000
Average Applicant Income $96,000
Highest Applicant Income $7,069,000

Mortgage Company List for Lending in Monroe County, WI for 2022

* 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
* $ 2,937,545,000 179 $ 23,975,000
1st Community Credit Union
1000 W. WISCONSIN STREET
SPARTA, WI 54656
* $ 223,317,000 164 $ 22,730,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,190,390,000 99 $ 13,225,000
Citizens First Bank
101 S MAIN ST
VIROQUA, WI 54665
* $ 276,698,000 80 $ 16,200,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,046,374,000 60 $ 7,930,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 49 $ 11,145,000
River Bank
145 N MAIN ST, P.O. BOX 280
STODDARD, WI 54658
* $ 1,052,811,000 42 $ 8,980,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 41 $ 8,305,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 38 $ 6,630,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 471,074,000 35 $ 5,985,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 34 $ 7,920,000
Westby Co-Op Credit Union
501 N MAIN ST
WESTBY, WI 54667
* $ 763,111,000 32 $ 5,880,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,739,119,000 31 $ 5,855,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 27 $ 4,115,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 707,159,000 24 $ 4,630,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 18 $ 3,540,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 18 $ 3,720,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ 588,690,000 17 $ 1,775,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 17 $ 3,305,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 3,625,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 16 $ 4,090,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 15 $ 1,935,000
Park Bank National Association
1200 MAIN STREET PO BOX 100
HOLMEN, WI 54636
* $ 69,564,000 14 $ 1,690,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 14 $ 1,990,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 12 $ 2,280,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ 478,650,000 12 $ 3,040,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 11 $ 1,945,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,820,664,000 11 $ 2,235,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 2,645,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 11 $ 1,725,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,810,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 2,040,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 9 $ 2,405,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ 103,655,000 9 $ 1,655,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 8 $ 1,570,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 8 $ 620,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 8 $ 1,640,000
Citizens State Bank
620 MAIN STREET
LA CROSSE, WI 54601
* $ 451,795,000 8 $ 1,200,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 4,830,582,000 8 $ 1,130,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 8 $ 1,490,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 8 $ 1,130,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 8 $ 670,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 1,330,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 7 $ 1,705,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 7 $ 1,235,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ -1,000 7 $ 1,725,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ 486,230,000 6 $ 850,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 6 $ 970,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 300,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 5 $ 625,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 1,065,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 5 $ 1,035,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 5 $ 705,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 16,499,164,000 5 $ 1,255,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ 863,797,000 5 $ 245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 1,495,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 1,040,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 900,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 870,500,000 4 $ 560,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 4 $ 690,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 4,833,920,000 4 $ 650,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 4 $ 620,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 880,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 1,070,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 3 $ 505,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 3 $ 475,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ 580,393,000 3 $ 1,375,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ 1,473,594,000 3 $ 195,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 715,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 125,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 3 $ 735,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 795,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,046,578,000 3 $ 625,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 835,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 3 $ 695,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 515,000
Bluff View Bank
16893 SOUTH MAIN STREET
GALESVILLE, WI 54630
* $ 130,718,000 2 $ 520,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 300,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 60,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 380,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 2 $ 320,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 2,697,669,000 2 $ 150,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 70,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 170,000
Bank of Wisconsin Dells
716 SUPERIOR ST
716 SUPERIOR ST, WI 53965
* $ 885,729,000 2 $ 430,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 330,000
Blackhawk Community Credit Uni
PO BOX 5366
JANESVILLE, WI 53547
* $ 849,706,000 2 $ 160,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 330,000
Governmental Employees Credit Union
225 LA CROSSE ST
LA CROSSE, WI 54601
* $ 94,442,000 2 $ 120,000
Hiawatha National Bank
N1555 770TH ST
HAGER CITY, WI 54014
* $ 529,911,000 1 $ 55,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 7,686,307,000 1 $ 305,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 115,000
Fidelity Bank & Trust
4250 ASBURY ROAD
DUBUQUE, IA 52002
* $ 1,658,656,000 1 $ 155,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 125,000
Citizens Bank
301 N ROCHESTER ST PO BOX 223
MUKWONAGO, WI 53149
* $ 1,026,808,000 1 $ 75,000
Monona Bank
5515 MONONA DRIVE
MONONA, WI 53716
* $ 1,198,733,000 1 $ 265,000
Wisconsin Mortgage Corporation
PO BOX 942
BROOKFIELD, WI 53008
* $ -1,000 1 $ 365,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 2,634,030,000 1 $ 405,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 235,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 185,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,929,230,000 1 $ 25,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 155,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 1,075,788,000 1 $ 185,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54401
* $ 1,292,601,000 1 $ 105,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 155,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 115,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 2,098,342,000 1 $ 35,000
Mound City Bank
25 E PINE STREET
PLATTEVILLE, WI 53818
* $ 449,561,000 1 $ 105,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 115,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 35,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 5,849,777,000 1 $ 25,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 155,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 275,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 445,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 25,000
Key Mortgage Services, Inc.
475 N. MARTINGALE RD. SUITE 100
SCHAUMBURG, IL 60173
* $ -1,000 1 $ 275,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 3,390,640,000 1 $ 355,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 1 $ 345,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 355,000
Unity Bank
207 W LINCOLN ST
AUGUSTA, WI 54722
* $ 593,196,000 1 $ 35,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 1 $ 115,000
Oak Bank
5951 MCKEE ROAD STE 100
FITCHBURG, WI 53719
* $ 432,669,000 1 $ 55,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 305,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 135,000
Esb Bank
115 N HWY 44/76
CALEDONIA, MN 55921
* $ 153,762,000 1 $ 105,000
Bank CMG
8020 EXCELSIOR DR STE 100
MADISON, WI 53717
* $ 535,416,000 1 $ 95,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 355,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 1 $ 165,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 411,380,000 1 $ 325,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 165,000
Farmers & Merchants Union Bank
159 W JAMES ST PO BOX 226
COLUMBUS, WI 53925
* $ 449,783,000 1 $ 265,000
Old Plank Trail Community Bank, N.A.
280 VETERANS PARKWAY
NEW LENOX, IL 60451
* $ 2,147,323,000 1 $ 155,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 1,328,105,000 1 $ 205,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,671,091,000 1 $ 105,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 941,811,000 1 $ 285,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ 427,678,000 1 $ 125,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ 863,320,000 1 $ 345,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,281,203,000 1 $ 165,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 15,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 305,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 115,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 205,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 255,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 1 $ 145,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,432,330,000 1 $ 115,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 3,979,767,000 1 $ 165,000
East Wisconsin Savings Bank
109 W 2ND ST
KAUKAUNA, WI 54130
* $ 291,297,000 1 $ 55,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 1 $ 235,000
Winnebago Community Credit Union
567 E SNELL RD
OSHKOSH, WI 54901
* $ 156,593,000 1 $ 55,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 25,000

The tables below break down 2022 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 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
Home Purchase 677 $136,055,000 $200,000 $1,725,000 $92,000 $794,000
Cash-out Refinancing 437 $78,945,000 $180,000 $1,075,000 $89,000 $2,402,000
Refinancing 232 $36,630,000 $157,000 $905,000 $94,000 $986,000
Other Purpose 103 $6,705,000 $65,000 $305,000 $89,000 $328,000
Home Improvement 93 $5,045,000 $54,000 $235,000 $172,000 $7,069,000
Not Applicable 3 $505,000 $168,000 $255,000 $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 1,232 $200,950,000 $163,000 $825,000 $98,000 $7,069,000
Not Provided 132 $24,860,000 $188,000 $755,000 $88,000 $315,000
Not applicable 111 $25,615,000 $230,000 $1,725,000 $0 $0
Hispanic 37 $6,745,000 $182,000 $375,000 $87,000 $292,000
Black or African American 12 $2,270,000 $189,000 $415,000 $90,000 $170,000
Asian 10 $2,160,000 $216,000 $415,000 $140,000 $436,000
American Indian or Alaskan Native 9 $935,000 $103,000 $265,000 $86,000 $162,000
Native Hawaiian or Other Pacific Islander 1 $105,000 $105,000 $105,000 $19,000 $19,000

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) 1,168 $182,380,000 $156,000 $1,725,000 $101,000 $7,069,000
VA-guaranteed (Veterans Administration) 244 $59,160,000 $242,000 $615,000 $90,000 $303,000
FHA-insured (Federal Housing Administration) 108 $18,640,000 $172,000 $385,000 $71,000 $160,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $3,705,000 $148,000 $255,000 $53,000 $84,000

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 1,044 $181,730,000 $174,000 $1,725,000 $101,000 $7,069,000
Application Withdrawn By Applicant 181 $31,625,000 $174,000 $755,000 $107,000 $2,402,000
Application Denied By Financial Institution 165 $22,805,000 $138,000 $445,000 $68,000 $315,000
Loan Purchased By The Institution 52 $11,080,000 $213,000 $445,000 $66,000 $129,000
Application Approved But Not Accepted 50 $6,530,000 $130,000 $365,000 $74,000 $255,000
File Closed For Incompleteness 49 $9,395,000 $191,000 $535,000 $83,000 $172,000
Preapproval Approved but not Accepted 2 $430,000 $215,000 $245,000 $56,000 $60,000
Preapproval Denied by Financial Institution 2 $290,000 $145,000 $195,000 $18,000 $22,000

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 1,301 $225,745,000 $173,000 $905,000 $100,000 $7,069,000
Debt-To-Income Ratio 128 $22,780,000 $177,000 $1,725,000 $82,000 $312,000
Credit History 67 $8,625,000 $128,000 $445,000 $73,000 $315,000
Collateral 22 $3,290,000 $149,000 $365,000 $69,000 $170,000
Credit Application Incomplete 11 $1,485,000 $135,000 $305,000 $76,000 $165,000
Other 11 $1,275,000 $115,000 $315,000 $70,000 $221,000
Insufficient Cash (Downpayment, Closing Cost) 3 $395,000 $131,000 $165,000 $57,000 $65,000
Unverifiable Information 1 $125,000 $125,000 $125,000 $42,000 $42,000
Employment History 1 $165,000 $165,000 $165,000 $43,000 $43,000
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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