Oconto County, WI Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,680 mortgage applications in Oconto County, WI totaling $255.3 million, down 25% from 2022. The average application was for $151,000, and applicants reported an average income of $104,000. 68% of applications resulted in an originated loan and 12% were denied. The most active lender was Covantage Credit Union, with 158 applications, followed by Capital Credit Union 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 1,680
Total Mortgage Loan Application Amount $255,310,000
Average Mortgage Loan Application Amount $151,000
Highest Mortgage Loan Application Amount $1,265,000
Average Applicant Income $104,000
Highest Applicant Income $1,777,000

Mortgage Company List for Lending in Oconto 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
* $ 2,963,887,000 158 $ 13,800,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ 2,318,949,000 140 $ 15,720,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 39,358,786,000 130 $ 17,970,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ 2,693,982,000 78 $ 10,180,000
Pcm Credit Union
601 WILLARD DRIVE
GREEN BAY, WI 54304
* $ 393,134,000 63 $ 9,145,000
N.E.W. Credit Union
301 JACKSON ST
OCONTO FALLS, WI 54154
* $ 157,502,000 61 $ 4,065,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ 5,156,852,000 53 $ 9,425,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 8,748,360,000 48 $ 8,830,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 46 $ 5,140,000
Laona State Bank
5308 BEECH ST
LAONA, WI 54541
* $ 268,555,000 45 $ 5,235,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 6,057,275,000 38 $ 10,490,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 37 $ 8,765,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 37 $ 5,285,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 34 $ 6,440,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 33 $ 6,465,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 30 $ 7,220,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ 3,658,116,000 28 $ 5,880,000
North Shore Bank
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ 2,582,111,000 27 $ 3,455,000
Stephenson National Bank & Trust
1820 HALL AVE
MARINETTE, WI 54143
* $ 656,128,000 24 $ 4,200,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,034,078,000 22 $ 2,040,000
Peshtigo National Bank
250 FRENCH STREET
PESHTIGO, WI 54157
* $ 264,376,000 20 $ 2,730,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 6,224,510,000 20 $ 3,660,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 3,680,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 18 $ 3,330,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 16 $ 2,340,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 15 $ 1,035,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 2,165,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 13 $ 2,815,000
Bank of Luxemburg
630 MAIN ST
LUXEMBURG, WI 54217
* $ 580,371,000 13 $ 2,995,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 12 $ 2,450,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 12 $ 2,170,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 12 $ 1,490,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 11 $ 1,965,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 11 $ 1,585,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,290,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,515,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 980,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 8 $ 800,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 7 $ 325,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 7 $ 1,265,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 7 $ 355,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,555,000
Premier Community Bank
230 MAVIS ROAD
MARION, WI 54950
* $ 446,344,000 7 $ 1,415,000
Unison Credit Union
PO BOX 260
KAUKAUNA, WI 54130
* $ 299,911,000 6 $ 870,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 6 $ 1,240,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,120,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,080,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 6 $ 1,540,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 6 $ 450,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ 212,280,000 5 $ 1,115,000
Cleveland State Bank
1250 W. WASHINGTON AVE
CLEVELAND, WI 53015
* $ 187,935,000 5 $ 805,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 5 $ 765,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 825,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 920,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 4 $ 420,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 4 $ 1,090,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 4 $ 600,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 160,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 4 $ 1,100,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 670,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 4 $ 1,210,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 670,000
Fortifi Bank
140 W. HURON ST/PO BOX 310
BERLIN, WI 54923
* $ 593,955,000 3 $ 675,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54401
* $ 1,337,361,000 3 $ 245,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 3 $ 575,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 955,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 3 $ 355,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 3 $ 945,000
Collins State Bank
20741 COUNTY ROAD JJ
COLLINS, WI 54207
* $ 194,152,000 3 $ 925,000
State Bank of Chilton
26 E. MAIN ST PO BOX 149
CHILTON, WI 53014
* $ 431,663,000 3 $ 365,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 605,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 3 $ 275,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 925,000
Blc Community Bank
206 E MAIN ST
LITTLE CHUTE, WI 54140
* $ 360,222,000 3 $ 265,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ 618,334,000 3 $ 365,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 695,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 5,145,209,000 3 $ 495,000
Bank of Kaukauna
264 W. WISCONSIN AVENUE, P.O. BOX 320
KAUKAUNA, WI 54130
* $ 144,800,000 3 $ 175,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 4,614,668,000 2 $ 100,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 2 $ 50,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 410,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 120,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 2 $ 30,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 420,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 60,000
Great River Federal CU
1532 W ST GERMAIN STREET
ST CLOUD, MN 56301
* $ 339,200,000 2 $ 210,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 630,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 2 $ 640,000
Horicon Bank
326 E LAKE ST, PO BOX 144
HORICON, WI 53032
* $ 1,251,474,000 2 $ 170,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 2 $ 350,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 170,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 6,105,252,000 2 $ 340,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 250,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 2 $ 490,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 270,000
Range Bank
100 N FRONT ST
MARQUETTE, MI 49855
* $ 518,565,000 2 $ 740,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 2 $ 150,000
Bristol Morgan Bank
103 S. MAIN ST., PO BOX 128
OAKFIELD, WI 53065
* $ 176,261,000 2 $ 1,390,000
The Park Bank
1815 GREENWAY CROSS
MADISON, WI 53713
* $ 1,398,059,000 2 $ 620,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 330,000
Town Bank, N.A.

ROSEMONT, IL 60018
* $ 3,554,665,000 1 $ 665,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 315,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ -1,000 1 $ 415,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 1 $ 265,000
Park City Credit Union
501 S PINE RIDGE AVE
MERRILL, WI 54452
* $ 329,193,000 1 $ 405,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 245,000
Wintrust Bank, N.A.
231 SOUTH LA SALLE STREET
CHICAGO, IL 60604
* $ 9,659,979,000 1 $ 145,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 145,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 1 $ 345,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 215,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 195,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 165,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 270,427,000 1 $ 155,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 85,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 205,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 95,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 105,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 1 $ 205,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 95,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 1,675,982,000 1 $ 245,000
The Port Washington State Bank
206 N FRANKLIN ST
PORT WASHINGTON, WI 53074
* $ 954,617,000 1 $ 335,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 1 $ 445,000
East Wisconsin Savings Bank
109 W 2ND ST
KAUKAUNA, WI 54130
* $ 270,873,000 1 $ 235,000
Intercity State Bank
962 GRAND AVE
SCHOFIELD, WI 54476
* $ 259,345,000 1 $ 75,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 1 $ 65,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 215,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 385,000
A&N Mortgage Services, Inc.
901 S 2ND ST STE #201
SPRINGFIELD, IL 62704
* $ -1,000 1 $ 405,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 335,000
Great Midwest Bank SSB
15900 W BLUEMOUND RD
BROOKFIELD, WI 53005
* $ 908,733,000 1 $ 105,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 12,493,973,000 1 $ 375,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,552,579,000 1 $ 365,000
Wolf River Community Bank
309 E MAIN ST
HORTONVILLE, WI 54944
* $ 289,499,000 1 $ 685,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 25,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 6,153,509,000 1 $ 55,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ 3,121,954,000 1 $ 385,000
Hiawatha Bank & Trust Company
253 BROADWAY
HIAWATHA, IA 52233
* $ 146,254,000 1 $ 215,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 285,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 155,000
Thompson Kane & Company, Inc
8020 EXCELSIOR DRIVE SUITE 401
MADISON, WI 53717
* $ -1,000 1 $ 465,000
Waukesha State Bank
151 E ST PAUL AVE P.O. BOX 648
WAUKESHA, WI 53187
* $ 1,513,958,000 1 $ 245,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 8,422,113,000 1 $ 65,000
A+ Mortgage Services, Inc.
W188S7820 RACINE AVE SUITE 100
MUSKEGO, WI 53150
* $ -1,000 1 $ 295,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ 1,527,709,000 1 $ 65,000
Greenleaf Bank
PO BOX 260
GREENLEAF, WI 54126
* $ 133,133,000 1 $ 45,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 759,764,000 1 $ 375,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,684,000,000 1 $ 415,000
West Pointe Bank
1750 WITZEL AVE
OSHKOSH, WI 54902
* $ 338,539,000 1 $ 115,000
Greenstone Farm Credit Services
5285 W US-223
EAST LANSING, MI 48823
* $ -1,000 1 $ 35,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 95,000
Winnebago Community Credit Union
567 E SNELL RD
OSHKOSH, WI 54901
* $ 156,638,000 1 $ 155,000

The tables below break down 2023 mortgage applications in Oconto 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 Oconto 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 676 $153,270,000 $226,000 $1,265,000 $109,000 $750,000
Refinancing 320 $33,060,000 $103,000 $645,000 $100,000 $1,777,000
Other Purpose 270 $20,700,000 $76,000 $675,000 $107,000 $1,547,000
Cash-out Refinancing 264 $36,180,000 $137,000 $525,000 $87,000 $1,134,000
Home Improvement 148 $11,950,000 $80,000 $925,000 $111,000 $1,512,000
Not Applicable 2 $150,000 $75,000 $75,000 $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 1,346 $205,890,000 $152,000 $1,005,000 $106,000 $1,777,000
Not Provided 182 $21,830,000 $119,000 $535,000 $90,000 $552,000
Not applicable 115 $22,555,000 $196,000 $1,265,000 $88,000 $123,000
American Indian or Alaskan Native 17 $1,875,000 $110,000 $325,000 $95,000 $353,000
Hispanic 16 $2,380,000 $148,000 $335,000 $71,000 $116,000
Asian 2 $500,000 $250,000 $375,000 $95,000 $149,000
Black or African American 1 $165,000 $165,000 $165,000 $75,000 $75,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $85,000 $85,000

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) 1,459 $213,145,000 $146,000 $1,265,000 $108,000 $1,777,000
FHA-insured (Federal Housing Administration) 134 $21,740,000 $162,000 $355,000 $64,000 $155,000
VA-guaranteed (Veterans Administration) 73 $18,055,000 $247,000 $665,000 $91,000 $172,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $2,370,000 $169,000 $255,000 $75,000 $95,000

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 1,148 $179,440,000 $156,000 $1,265,000 $112,000 $1,777,000
Application Denied By Financial Institution 207 $23,885,000 $115,000 $705,000 $71,000 $301,000
Application Withdrawn By Applicant 147 $21,755,000 $147,000 $605,000 $106,000 $1,134,000
Loan Purchased By The Institution 81 $14,865,000 $183,000 $505,000 $101,000 $148,000
Application Approved But Not Accepted 53 $8,185,000 $154,000 $655,000 $79,000 $305,000
File Closed For Incompleteness 40 $5,890,000 $147,000 $805,000 $66,000 $200,000
Preapproval Approved but not Accepted 3 $1,215,000 $405,000 $555,000 $170,000 $232,000
Preapproval Denied by Financial Institution 1 $75,000 $75,000 $75,000 $30,000 $30,000

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 1,434 $222,720,000 $155,000 $1,005,000 $107,000 $1,777,000
Debt-To-Income Ratio 119 $19,055,000 $160,000 $1,265,000 $90,000 $552,000
Credit History 64 $5,850,000 $91,000 $365,000 $73,000 $176,000
Collateral 24 $2,710,000 $112,000 $265,000 $72,000 $193,000
Credit Application Incomplete 14 $1,700,000 $121,000 $475,000 $82,000 $159,000
Other 12 $1,490,000 $124,000 $225,000 $83,000 $182,000
Insufficient Cash (Downpayment, Closing Cost) 5 $775,000 $155,000 $275,000 $64,000 $91,000
Unverifiable Information 4 $390,000 $97,000 $205,000 $114,000 $285,000
Employment History 3 $455,000 $151,000 $285,000 $67,000 $85,000
Mortgage Insurance Denied 1 $165,000 $165,000 $165,000 $65,000 $65,000

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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