Oconto County, WI Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,842 mortgage applications in Oconto County, WI totaling $315.0 million, up 10% from 2023. The average application was for $170,000, and applicants reported an average income of $111,000. 68% of applications resulted in an originated loan and 11% were denied. The most active lender was Capital Credit Union, with 152 applications, followed by Covantage 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 1,842
Total Mortgage Loan Application Amount $314,980,000
Average Mortgage Loan Application Amount $170,000
Highest Mortgage Loan Application Amount $1,175,000
Average Applicant Income $111,000
Highest Applicant Income $2,880,000

Mortgage Company List for Lending in Oconto County, WI for 2024

* 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
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ n/a 152 $ 18,330,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ n/a 151 $ 17,395,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 114 $ 13,910,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ n/a 110 $ 15,400,000
N.E.W. Credit Union
301 JACKSON ST
OCONTO FALLS, WI 54154
* $ n/a 73 $ 6,905,000
Pcm Credit Union
601 WILLARD DRIVE
GREEN BAY, WI 54304
* $ n/a 58 $ 7,290,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ n/a 55 $ 13,385,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ n/a 49 $ 8,105,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 46 $ 6,250,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 45 $ 11,905,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 40 $ 3,860,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 37 $ 8,715,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 36 $ 7,180,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ n/a 35 $ 5,835,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 32 $ 6,850,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 31 $ 5,265,000
Laona State Bank
5308 BEECH ST
LAONA, WI 54541
* $ n/a 30 $ 5,210,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 30 $ 8,460,000
Stephenson National Bank & Trust
1820 HALL AVE
MARINETTE, WI 54143
* $ n/a 26 $ 4,850,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 26 $ 6,040,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 24 $ 4,380,000
Peshtigo National Bank
250 FRENCH STREET
PESHTIGO, WI 54157
* $ n/a 22 $ 3,430,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 22 $ 5,180,000
North Shore Bank
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ n/a 22 $ 3,150,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 22 $ 5,020,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 19 $ 3,105,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 17 $ 3,605,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 17 $ 4,805,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 16 $ 3,480,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 16 $ 4,300,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ n/a 15 $ 3,425,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 14 $ 3,210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 13 $ 815,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 13 $ 3,035,000
Premier Community Bank
230 MAVIS ROAD
MARION, WI 54950
* $ n/a 13 $ 1,995,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 12 $ 2,940,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 11 $ 2,255,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 11 $ 485,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 1,575,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 11 $ 2,045,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ n/a 10 $ 1,910,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 10 $ 1,830,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ n/a 9 $ 2,115,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 9 $ 2,565,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 2,495,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 8 $ 1,760,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 8 $ 1,500,000
Bank of Luxemburg
630 MAIN ST
LUXEMBURG, WI 54217
* $ n/a 7 $ 2,735,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ n/a 7 $ 1,245,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 6 $ 1,240,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 6 $ 1,150,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 6 $ 940,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 6 $ 1,120,000
Point Mortgage Corp
864 AMENA COURT
CHULA VISTA, CA 91910
* $ n/a 5 $ 1,675,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 5 $ 1,135,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 355,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 765,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ n/a 5 $ 825,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ n/a 5 $ 1,165,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 5 $ 915,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 5 $ 1,475,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 910,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 4 $ 230,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 600,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 870,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 1,010,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 3 $ 165,000
American National Bank Fox Cities
2200 N RICHMOND ST
APPLETON, WI 54911
* $ n/a 3 $ 465,000
East Wisconsin Savings Bank
109 W 2ND ST
KAUKAUNA, WI 54130
* $ n/a 3 $ 1,225,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 3 $ 245,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 3 $ 335,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 3 $ 225,000
Unison Credit Union
PO BOX 260
KAUKAUNA, WI 54130
* $ n/a 3 $ 425,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 3 $ 545,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 575,000
Fortifi Bank
140 W. HURON ST/PO BOX 310
BERLIN, WI 54923
* $ n/a 3 $ 1,385,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 165,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 440,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 510,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 2 $ 280,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ n/a 2 $ 580,000
Cleveland State Bank
1250 W. WASHINGTON AVE
CLEVELAND, WI 53015
* $ n/a 2 $ 270,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 310,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 390,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ n/a 2 $ 360,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 2 $ 500,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 2 $ 320,000
Fox Valley Savings Bank
51 EAST FIRST STREET
FOND DU LAC, WI 54935
* $ n/a 2 $ 670,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 370,000
A+ Mortgage Services, Inc.
W188S7820 RACINE AVE SUITE 100
MUSKEGO, WI 53150
* $ n/a 2 $ 650,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 360,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 310,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 2 $ 860,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ n/a 2 $ 270,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 490,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 570,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 310,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ n/a 2 $ 250,000
Waukesha State Bank
151 E ST PAUL AVE P.O. BOX 648
WAUKESHA, WI 53187
* $ n/a 2 $ 530,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ n/a 2 $ 640,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 340,000
Red Rocks CU
8195 SOUTHPARK LANE
LITTLETON, CO 80120
* $ n/a 1 $ 65,000
Prospera Credit Union
4830 N BALLARD RD
APPLETON, WI 54913
* $ n/a 1 $ 515,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ n/a 1 $ 35,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 315,000
Greenleaf Bank
PO BOX 260
GREENLEAF, WI 54126
* $ n/a 1 $ 135,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 65,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 155,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 165,000
Washington County Bank
1523 WASHINGTON ST.
BLAIR, NE 68008
* $ n/a 1 $ 125,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ n/a 1 $ 225,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ n/a 1 $ 245,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 1 $ 135,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 35,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 375,000
Bristol Morgan Bank
103 S. MAIN ST., PO BOX 128
OAKFIELD, WI 53065
* $ n/a 1 $ 165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 205,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 1 $ 485,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 1 $ 145,000
Gateway Mortgage Corporation
6501 GREEN BAY ROAD
KENOSHA, WI 53142
* $ n/a 1 $ 225,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ n/a 1 $ 375,000
Wisconsin Mortgage Corporation
PO BOX 942
BROOKFIELD, WI 53008
* $ n/a 1 $ 185,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 35,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 315,000
Greenstone Farm Credit Services
5285 W US-223
EAST LANSING, MI 48823
* $ n/a 1 $ 5,000
The Northwestern Bank
202 N. BRIDGE ST. PO BOX 49
CHIPPEWA FALLS, WI 54729
* $ n/a 1 $ 175,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ n/a 1 $ 35,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 75,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 175,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 385,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 1 $ 145,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 145,000
Mayo Employees Federal Credit Union
130 23RD AVE SW
ROCHESTER, MN 55902
* $ n/a 1 $ 85,000
The Bank of New Glarus
501 FIRST STREET PO BOX 129
NEW GLARUS, WI 53574
* $ n/a 1 $ 465,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 1 $ 35,000
Key Mortgage Services, Inc.
475 N. MARTINGALE RD. SUITE 100
SCHAUMBURG, IL 60173
* $ n/a 1 $ 425,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 215,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54401
* $ n/a 1 $ 315,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 225,000
Home State Bank National Association
40 GRANT STREET
CRYSTAL LAKE, IL 60014
* $ n/a 1 $ 185,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 215,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ n/a 1 $ 155,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 1 $ 275,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 435,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 145,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 415,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 85,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 125,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ n/a 1 $ 255,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 155,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 485,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 445,000
Sovereign Bank
130 E MACARTHUR
SHAWNEE, OK 74804
* $ n/a 1 $ 135,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 365,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 405,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ n/a 1 $ 265,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ n/a 1 $ 245,000

The tables below break down 2024 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 2024

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 740 $176,380,000 $238,000 $1,175,000 $121,000 $1,248,000
Refinancing 379 $54,105,000 $142,000 $665,000 $113,000 $2,880,000
Cash-out Refinancing 304 $50,980,000 $167,000 $795,000 $88,000 $366,000
Other Purpose 300 $22,700,000 $75,000 $395,000 $109,000 $2,026,000
Home Improvement 119 $10,815,000 $90,000 $465,000 $109,000 $533,000
Not Applicable 0 $0 $0 $0 $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 1,524 $263,000,000 $172,000 $1,055,000 $114,000 $2,880,000
Not Provided 143 $16,985,000 $118,000 $565,000 $92,000 $350,000
Not applicable 106 $24,030,000 $226,000 $1,175,000 $138,000 $172,000
Hispanic 30 $5,980,000 $199,000 $445,000 $82,000 $258,000
American Indian or Alaskan Native 28 $3,080,000 $110,000 $565,000 $74,000 $255,000
Asian 8 $1,410,000 $176,000 $375,000 $106,000 $192,000
Black or African American 2 $320,000 $160,000 $245,000 $56,000 $59,000
Native Hawaiian or Other Pacific Islander 1 $175,000 $175,000 $175,000 $70,000 $70,000

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) 1,581 $253,125,000 $160,000 $1,175,000 $113,000 $2,026,000
FHA-insured (Federal Housing Administration) 147 $29,595,000 $201,000 $455,000 $96,000 $2,880,000
VA-guaranteed (Veterans Administration) 103 $30,535,000 $296,000 $795,000 $97,000 $300,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,725,000 $156,000 $255,000 $63,000 $105,000

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 1,248 $214,240,000 $171,000 $1,175,000 $113,000 $969,000
Application Denied By Financial Institution 207 $26,325,000 $127,000 $545,000 $91,000 $2,026,000
Application Withdrawn By Applicant 176 $33,980,000 $193,000 $795,000 $125,000 $2,880,000
Loan Purchased By The Institution 81 $19,765,000 $244,000 $645,000 $135,000 $226,000
Application Approved But Not Accepted 69 $10,615,000 $153,000 $555,000 $101,000 $359,000
File Closed For Incompleteness 46 $6,410,000 $139,000 $385,000 $98,000 $480,000
Preapproval Approved but not Accepted 12 $2,730,000 $227,000 $545,000 $91,000 $145,000
Preapproval Denied by Financial Institution 3 $915,000 $305,000 $405,000 $113,000 $145,000

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 1,592 $277,580,000 $174,000 $1,055,000 $112,000 $2,880,000
Debt-To-Income Ratio 107 $18,535,000 $173,000 $1,175,000 $88,000 $459,000
Credit History 69 $7,175,000 $103,000 $545,000 $118,000 $2,026,000
Collateral 32 $4,900,000 $153,000 $435,000 $101,000 $255,000
Credit Application Incomplete 20 $2,670,000 $133,000 $365,000 $93,000 $222,000
Other 15 $2,895,000 $193,000 $425,000 $83,000 $200,000
Unverifiable Information 4 $440,000 $110,000 $155,000 $129,000 $201,000
Insufficient Cash (Downpayment, Closing Cost) 2 $540,000 $270,000 $345,000 $92,000 $106,000
Employment History 1 $245,000 $245,000 $245,000 $30,000 $30,000
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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