Ozaukee County WI
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Unlock detailed Ozaukee County WI mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Wisconsin.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 8,420 |
| Total Mortgage Loan Application Amount | $1,823,065,000 |
| Average Mortgage Loan Application Amount | $216,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $9,999,000 |
* 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 |
|---|---|---|---|---|
| THE PORT WASHINGTON STATE BANK 206 N FRANKLIN ST PORT WASHINGTON, WI 53074 |
* | $ 379,851,000 | 1,034 | $ 161,245,000 |
| WELLS FARGO BANK, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 700 | $ 156,911,000 |
| ASSOCIATED BANK, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 493 | $ 84,207,000 |
| BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 485 | $ 104,971,000 |
| JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 420 | $ 111,575,000 |
| WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 387 | $ 90,129,000 |
| HARRIS N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 43,971,627,000 | 383 | $ 65,438,000 |
| US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 278 | $ 66,422,000 |
| ALLY BANK F/K/A/ GMAC BANK 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 262 | $ 68,151,000 |
| M&I MARSHALL & ILSLEY BANK W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 247 | $ 61,251,000 |
| GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 222 | $ 56,222,000 |
| JOHNSON BANK 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 5,572,351,000 | 126 | $ 37,989,000 |
| CITIMORTGAGE, INC 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 107 | $ 24,623,000 |
| BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 100 | $ 22,739,000 |
| THE EQUITABLE BANK, S.S.B. 2290 NORTH MAYFAIR ROAD WAUWATOSA, WI 53226 |
* | $ 491,873,000 | 96 | $ 24,765,000 |
| SHELTER MORTGAGE COMPANY, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 96 | $ 20,480,000 |
| BANK MUTUAL 4949 W BROWN DEER ROAD MILWAUKEE, WI 53224 |
* | $ 3,511,269,000 | 93 | $ 17,594,000 |
| CORNERSTONE COMMUNITY BANK 2090 WISCONSIN AVE GRAFTON, WI 53024 |
* | $ 128,239,000 | 91 | $ 17,675,000 |
| LANDMARK CREDIT UNION 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53151 |
* | $ 1,420,799,000 | 90 | $ 16,541,000 |
| ONE CHOICE MORTGAGE, LLC 7700 WEST BLUEMOUND ROAD WAUWATOSA, WI 53213 |
* | $ 39,000,000 | 88 | $ 18,069,000 |
| FLAGSTAR BANK 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 85 | $ 16,534,000 |
| GUARANTY BANK, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 84 | $ 17,835,000 |
| WISCONSIN MORTGAGE CORPORATION P.O. BOX 942 BROOKFIELD, WI 53008 |
* | $ 10,000,000 | 83 | $ 18,751,000 |
| NORTH SHORE BANK FSB 225 N 5TH AVE STURGEON BAY, WI 54235 |
* | $ 1,813,673,000 | 82 | $ 19,628,000 |
| TRI CITY NATIONAL BANK 6400 S 27TH ST OAK CREEK, WI 53154 |
* | $ 1,123,486,000 | 79 | $ 11,486,000 |
| KOHLER CREDIT UNION 905 S TAYLOR DR SHEBOYGAN, WI 53081 |
* | $ 245,108,000 | 79 | $ 9,814,000 |
| FRANKLIN AMERICAN MORTGAGE CO 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 78 | $ 18,974,000 |
| SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 69 | $ 18,477,000 |
| PARK BANK 330 E KILBOURN AVE. MILWAUKEE, WI 53202 |
* | $ 798,320,000 | 68 | $ 18,269,000 |
| WATERSTONE MORTGAGE CORPORATION N25 W23255 PAUL ROAD PEWAUKEE, WI 53072 |
* | $ 1,603,436,000 | 62 | $ 14,637,000 |
| US BANK NORTH DAKOTA 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 61 | $ 17,413,000 |
| WESTBURY BANK 200 SOUTH MAIN STREET , WEST BEND, WI 53095 |
* | $ 643,068,000 | 47 | $ 8,957,000 |
| NEW YORK COMMUNITY BANK 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 47 | $ 11,860,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 47 | $ 10,292,000 |
| INLANTA MORTGAGE, INC. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 44 | $ 10,964,000 |
| PROVIDENT FUNDING ASSOCIATES, L.P. 851 TRAEGER AVENUE, SUITE 100 SACRAMENTO, CA 94066 |
* | $ 10,000,000 | 44 | $ 10,279,000 |
| ASSURED MORTGAGE INC. 12660 W CAPITOL DR BROOKFIELD, WI 53005 |
* | $ 1,949,296,000 | 44 | $ 10,381,000 |
| DOLLAR BANK, FSB #3 GATEWAY CENTER PITTSBURGH, PA 15222 |
* | $ 5,930,656,000 | 44 | $ 20,427,000 |
| MID AMERICA BANK 2317 MILTON AVE JANESVILLE, WI 53545 |
* | $ 83,435,000 | 43 | $ 10,295,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 41 | $ 8,202,000 |
| HOMETOWN EQUITY MORTGAGE, LLC 151 NORTH SERVICE ROAD CLAYTON, MO 63376 |
* | $ 10,000,000 | 40 | $ 10,141,000 |
| PNC BANK N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 38 | $ 6,501,000 |
| HOME LOAN CENTER 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 37 | $ 7,087,000 |
| PYRAMAX BANK, FSB 2300 TENTH AVE SOUTH MILWAUKEE, WI 53172 |
* | $ 516,304,000 | 36 | $ 8,212,000 |
| FIRST STATE MORTGAGE SERVICES, LLC 502 N HERSHEY ROAD MENDOTA, IL 61704 |
* | $ 327,995,000 | 33 | $ 7,177,000 |
| PHH HOME LOANS, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 33 | $ 7,032,000 |
| CHICAGO MORTGAGE SOLUTIONS LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 33 | $ 7,248,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ 10,000,000 | 33 | $ 7,493,000 |
| NETWORK FUNDING, L.P. 9700 RICHMOND, SUITE 320 DALLAS, TX 77042 |
* | $ 43,942,000 | 33 | $ 7,307,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ 8,994,122,000 | 32 | $ 8,766,000 |
| ING BANK, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 30 | $ 18,850,000 |
| FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 29 | $ 6,529,000 |
| UNIVERSITY OF WISCONSIN CREDIT UNION 3500 UNIVERSITY AVE MADISON, WI 53705 |
* | $ 1,182,201,000 | 29 | $ 5,295,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 28 | $ 6,595,000 |
| EDUCATORS CREDIT UNION 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ 1,171,052,000 | 27 | $ 5,549,000 |
| GREAT MIDWEST BANK, S.S.B. 15900 W BLUEMOUND RD BROOKFIELD, WI 53005 |
* | $ 555,623,000 | 25 | $ 4,981,000 |
| AMERICAN FIDELITY MORTGAGE SERVICES, INC. 4200 COMMERCE COURT, SUITE 200 LISLE, IL 60532 |
* | $ 10,000,000 | 24 | $ 5,550,000 |
| AMERICAN EQUITY MORTGAGE, INC. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 24 | $ 5,104,000 |
| BANK FIVE NINE 155 W. WISCONSIN AVENUE OCONOMOWOC, WI 53066 |
* | $ 670,979,000 | 23 | $ 5,202,000 |
| GO MORTGAGE, LLC 15430 W CAPITOL DRIVE WILMINGTON, DE 53005 |
* | $ 10,000,000 | 22 | $ 4,282,000 |
| GUARDIAN CREDIT UNION 4501 W GREENFIELD AVE OAK CREEK, WI 53214 |
* | $ 258,127,000 | 20 | $ 2,554,000 |
| CHICAGO BANCORP 300 N. ELIZABETH ST., STE3E CHICAGO, IL 60607 |
* | $ 10,000,000 | 20 | $ 5,013,000 |
| SUMMIT CREDIT UNION PO BOX 8046 COTTAGE GROVE, WI 53708 |
* | $ 1,418,487,000 | 19 | $ 3,116,000 |
| NATIONAL EXCHANGE BANK AND TRUST 130 SOUTH MAIN STREET FOND DU LAC, WI 54935 |
* | $ 1,259,613,000 | 18 | $ 2,496,000 |
| M&I BANK FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 18 | $ 3,488,000 |
| LAYTON STATE BANK 10427 W. LINCOLN AVE WEST ALLIS, WI 53227 |
* | $ 131,752,000 | 17 | $ 4,455,000 |
| QR LENDING INC 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 17 | $ 2,909,000 |
| SUMMIT MORTGAGE CORPORATION 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 16 | $ 4,507,000 |
| TCF NATIONAL BANK 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 17,921,579,000 | 16 | $ 426,000 |
| LAKE MICHIGAN CREDIT UNION PO BOX 2848 CALEDONIA, MI 49501 |
* | $ 1,833,363,000 | 15 | $ 3,634,000 |
| AMERISTAR MORTGAGE CORPORATION 16535 WEST BLUEMOUND ROAD SUITE 310 BROOKFIELD, WI 53005 |
* | $ 10,000,000 | 15 | $ 4,230,000 |
| EMPOWER CREDIT UNION 10635 W GREENFIELD AVENUE WEST ALLIS, WI 53214 |
* | $ 125,835,000 | 14 | $ 2,630,000 |
| EVERBANK 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 14 | $ 2,705,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 13 | $ 4,292,000 |
| NORTHWESTERN MUTUAL CREDIT UNION 720 E. WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 99,068,000 | 13 | $ 1,569,000 |
| AMERICAHOMEKEY, INC 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 13 | $ 2,020,000 |
| CITIFINANCIAL, INC. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 12 | $ 552,000 |
| WATERSTONE BANK, SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ 1,858,067,000 | 12 | $ 2,500,000 |
| CHARLES SCHWAB BANK 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 12 | $ 4,199,000 |
| METLIFE BANK, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 12 | $ 2,673,000 |
| COMMUNITY BANK & TRUST 604 N. 8TH STREET SHEBOYGAN, WI 53081 |
* | $ 632,005,000 | 11 | $ 1,574,000 |
| BANK FIRST, N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ 837,921,000 | 11 | $ 3,170,000 |
| PARTNERSHIP BANK N58W6194 COLUMBIA ROAD CEDARBURG, WI 53012 |
* | $ 89,088,000 | 11 | $ 2,461,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 11 | $ 2,468,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ 4,088,336,000 | 11 | $ 1,928,000 |
| OOSTBURG STATE BANK 905 CENTER AVE OOSTBURG, WI 53070 |
* | $ 153,936,000 | 10 | $ 1,667,000 |
| ANCHORBANK FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 4,461,272,000 | 10 | $ 2,110,000 |
| CITICORP TRUST BANK, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 10 | $ 1,801,000 |
| THINK MUTUAL BANK 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 9 | $ 1,517,000 |
| HORICON BANK 326 E LAKE ST, PO BOX 144 HORICON, WI 53032 |
* | $ 546,652,000 | 9 | $ 1,726,000 |
| AMERICAN FOUNDATIONS MORTGAGEB 611 NORTH BARKER ROAD, STE. 200 BROOKFIELD, WI 53045 |
* | $ 1,930,000 | 9 | $ 2,155,000 |
| CALIBER FUNDING LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 8 | $ 1,611,000 |
| SIERRA PACIFIC MORTGAGE COMPANY, INC. 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 8 | $ 1,965,000 |
| CHERRY CREEK MORTGAGE CO., INC 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 8 | $ 1,197,000 |
| NFCU 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 8 | $ 1,599,000 |
| COMMERCE STATE BANK 1700 S. SILVERBROOK DR WEST BEND, WI 53095 |
* | $ 299,450,000 | 8 | $ 1,142,000 |
| SOUTH CENTRAL BANK, NATIONAL ASSOCIATION 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 8 | $ 150,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 8 | $ 2,498,000 |
| MERRILL LYNCH CREDIT CORP 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 7 | $ 1,707,000 |
| AMERICAN BANK 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 7 | $ 1,371,000 |
| WINTRUST MORTGAGE CORPORATION 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 7 | $ 2,043,000 |
| STATE BANK OF NEWBURG 300 CONGRESS DR/HWY 33, PO BOX 20 NEWBURG, WI 53060 |
* | $ 146,741,000 | 6 | $ 675,000 |
| THRIVENT FINANCIAL BANK 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 6 | $ 858,000 |
| SHORE MORTGAGE 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 6 | $ 1,350,000 |
| GATEWAY MORTGAGE CORPORATION 1202 60TH STREET, P.O. BOX 10, KENOSHA, WI 53141 |
* | $ 10,000,000 | 6 | $ 1,318,000 |
| LSI MORTGAGE PLUS 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 6 | $ 1,562,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ 10,000,000 | 6 | $ 1,597,000 |
| APPLETREE CREDIT UNION 11333 W. GREENFIELD AVE. WEST ALLIS, WI 53214 |
* | $ 115,599,000 | 6 | $ 1,212,000 |
| POLARIS HOME FUNDING CORP. 151 44TH ST. SW ENGLEWOOD, FL 49418 |
* | $ 10,000,000 | 6 | $ 1,184,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 6 | $ 1,079,000 |
| BADGERLAND FINANCIAL, ACA 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 5 | $ 1,637,000 |
| MORGAN STANLEY CREDIT CORP 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 5 | $ 2,437,000 |
| COLORADO FEDERAL SAVINGS BANK 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 314,292,000 | 5 | $ 1,417,000 |
| AFFILIATED MORTGAGE COMPANY 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 5 | $ 1,025,000 |
| THE PRIVATEBANK AND TRUST CO. 120 SOUTH LASALLE STREET CHICAGO, IL 60603 |
* | $ 11,901,512,000 | 4 | $ 1,901,000 |
| AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 611,474,000 | 4 | $ 1,437,000 |
| MORTGAGE INVESTORS CORP 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 881,000 |
| PERL MORTGAGE, INC. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 3 | $ 1,003,000 |
| HARTLAND MORTGAGE CENTERS 1900 W 75TH ST WOODRIDGE, IL 60517 |
* | $ 10,000,000 | 3 | $ 659,000 |
| CAPITAL MORTGAGE FUNDING, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 3 | $ 1,007,000 |
| IFREEDOM DIRECT CORPORATION 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 487,000 |
| ONEWEST BANK, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 3 | $ 522,000 |
| MIDFIRST BANK 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 3 | $ 602,000 |
| MARBEN MORTGAGE, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 3 | $ 743,000 |
| SUNTRUST BANKS, INC. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 3 | $ 2,782,000 |
| FIRST INTERNET BANK OF INDIANA 11201 USA PARKWAY FISHERS, IN 46037 |
* | $ 503,939,000 | 3 | $ 502,000 |
| SUNSET BANK & SAVINGS 521 W SUNSET DRIVE WAUKESHA, WI 53189 |
* | $ 143,248,000 | 3 | $ 670,000 |
| STIFEL BANK & TRUST 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,159,367,000 | 3 | $ 668,000 |
| FIRST FEDERAL BANK OF WI 134 WISCONSIN AVENUE WAUKESHA, WI 53186 |
* | $ 114,742,000 | 3 | $ 720,000 |
| HOMESTAR BANK AND FINANCIAL SERVICES 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 439,787,000 | 3 | $ 767,000 |
| WISCONSIN BANK & TRUST 119 JUNCTION RD MADISON, WI 53717 |
* | $ 448,106,000 | 3 | $ 546,000 |
| DUBUQUE BANK AND TRUST COMPANY 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,249,093,000 | 2 | $ 344,000 |
| FARMERS & MERCHANTS STATE BANK 210 W. MADISON ST. WATERLOO, WI 53594 |
* | $ 137,885,000 | 2 | $ 392,000 |
| WAUKESHA STATE BANK 151 E ST PAUL AVE P.O. BOX 648 WAUKESHA, WI 53187 |
* | $ 787,352,000 | 2 | $ 347,000 |
| NATIONAL BANK OF ST. ANNE 158 WEST STATION ST ST. ANNE, IL 60964 |
* | $ 44,286,000 | 2 | $ 341,000 |
| FIRST NATIONAL BANK OF AMERICA 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 2 | $ 112,000 |
| WALDO STATE BANK 119 N DEPOT ST. WALDO, WI 53093 |
* | $ 43,395,000 | 2 | $ 402,000 |
| HOME SAVINGS OF AMERICA 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 2 | $ 686,000 |
| AMERICAN AIRLINES FEDERAL CREDIT UNION 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,061,586,000 | 2 | $ 85,000 |
| DIAMOND BANK FSB 1051 PERIMETER DRIVE SCHAUMBURG, IL 60173 |
* | $ 294,117,000 | 2 | $ 830,000 |
| NORTH AMERICAN SAVINGS BANK 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 2 | $ 470,000 |
| BANK OF ANN ARBOR 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48185 |
* | $ 543,312,000 | 2 | $ 456,000 |
| BBMC MORTGAGE, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 727,000 |
| THE HUNTINGTON NATIONAL BANK 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 2 | $ 403,000 |
| THE FIRST NATIONAL BANK OF HARTFORD 116 WEST SUMNER STREET P.O. BOX 270106 HARTFORD, WI 53027 |
* | $ 161,635,000 | 2 | $ 284,000 |
| CARNEGIE MORTGAGE 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 589,000 |
| BANKMORTGAGESOLUTIONS LLC 14425 COLLEGE BLVD SUITE 100 LENEXA, KS 66215 |
* | $ 11,000,000 | 2 | $ 480,000 |
| HARTFORD SAVINGS BANK 1400 SCHAUER DRIVE HARTFORD, WI 53027 |
* | $ 221,791,000 | 2 | $ 250,000 |
| NORTH MILWAUKEE STATE BANK 5630 W FON DU LAC AVE MILWAUKEE, WI 53216 |
* | $ 93,557,000 | 2 | $ 202,000 |
| STATE FARM BANK 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 411,000 |
| NORTHERN TRUST BANK, FSB 10 WEST LONG LAKE ROAD BLOOMFIELD HILLS, MI 48304 |
* | $ 1,385,622,000 | 2 | $ 880,000 |
| HUDSON CITY SAVINGS BANK WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 60,167,760,000 | 2 | $ 327,000 |
| AMERICAN NATIONAL BANK - FOX CITIES 2200 N RICHMOND ST APPLETON, WI 54911 |
* | $ 242,616,000 | 2 | $ 426,000 |
| FINANCIAL FREEDOM ACQUISITION 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 2 | $ 279,000 |
| ENVOY MORTGAGE, LTD 5100 WESTHEIMER RD, STE 320 AUSTIN, TX 77056 |
* | $ 10,000,000 | 2 | $ 507,000 |
| A-B CREDIT UNION 225 W GREENFIELD AVE MILWAUKEE, WI 53204 |
* | $ 56,234,000 | 2 | $ 81,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ 10,000,000 | 2 | $ 275,000 |
| EVERETT FINANCIAL INC. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 602,000 |
| MARINE CREDIT UNION 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 421,890,000 | 2 | $ 348,000 |
| HERITAGE CREDIT UNION 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 178,931,000 | 2 | $ 458,000 |
| GLACIER HILLS CREDIT UNION 2150 S. MAIN STREET WEST BEND, WI 53095 |
* | $ 69,017,000 | 2 | $ 251,000 |
| AMERIFIRST FINANCIAL CORPORATI 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 2 | $ 402,000 |
| MARKETPLACE HOME MORTGAGE, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 2 | $ 636,000 |
| SERVION, INC. 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 90,000 |
| AMERICAN INTERNET MORTGAGE, INC. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 191,000 |
| HOMEOWNERS MORTGAGE OF AMERICA 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 226,000 |
| PEOPLES HOME EQUITY 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 215,000 |
| NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 237,000 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 100 PHOENIX DR, STE 300 PLYMOUTH, MI 48108 |
* | $ 10,000,000 | 1 | $ 180,000 |
| SIRVA MORTGAGE, INC. 6200 OAK TREE BLVD STE 300 UPPER ARLINGTON, OH 44131 |
* | $ 101,315,000 | 1 | $ 230,000 |
| ROUNDPOINT MORTGAGE COMPANY 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 190,000 |
| JAMES B. NUTTER & CO. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 156,000 |
| UNITEDONE CREDIT UNION 1117 S 10 ST MANITOWOC, WI 54220 |
* | $ 172,546,000 | 1 | $ 255,000 |
| BAXTER CREDIT UNION 340 N MILWAUKEE AVE VERNON HILLS, IL 60061 |
* | $ 1,422,795,000 | 1 | $ 414,000 |
| AMERICAN FIRST CREDIT UNION 6 POINTE DRIVE, STE 400 BREA, CA 92821 |
* | $ 577,047,000 | 1 | $ 79,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ 10,000,000 | 1 | $ 204,000 |
| COMMUNITY FIRST 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 1,352,332,000 | 1 | $ 11,000 |
| AM COMMUNITY CREDIT UNION 6715 GREENBAY ROAD KENOSHA, WI 53142 |
* | $ 128,580,000 | 1 | $ 102,000 |
| AMERICASH 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 403,000 |
| TMG REAL ESTATE & FINANCIAL 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 345,000 |
| DIRECT MORTGAGE, CORP. 6955 SOUTH UNION PARK CENTER, #540 SALT LAKE CITY, UT 84047 |
* | $ 10,000,000 | 1 | $ 256,000 |
| PLAZA HOME MORTGAGE, INC 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 250,000 |
| RESIDENTIAL FINANCE CORP. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 160,000 |
| FREEDOM MORTGAGE CORP. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 234,000 |
| PENTAGON FEDERAL CREDIT UNION 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 347,000 |
| FIRST NATIONAL BANK OF WAUPACA 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 705,398,000 | 1 | $ 533,000 |
| STERLING NATIONAL MORTGAGE CO. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 226,000 |
| NATIONAL BANK OF KANSAS CITY 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 282,000 |
| UMB BANK, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 10,219,530,000 | 1 | $ 126,000 |
| BANKUNITED 7815 NW 148TH ST MIAMI LAKES, FL 33016 |
* | $ 11,172,860,000 | 1 | $ 878,000 |
| MWABANK 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 40,000 |
| BANK OF INTERNET USA 12777 HIGH BLUFF DRIVE, SUITE 100 SAN DIEGO, CA 92130 |
* | $ 1,353,065,000 | 1 | $ 225,000 |
| FIRST PLACE BANK 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 1 | $ 185,000 |
| ADMIRALS BANK FORMER DOMESTIC 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 19,000 |
| COMMUNITY FIRST BANK 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 57,149,000 | 1 | $ 186,000 |
| AFFILIATED FINANCIAL GROUP, LL 5690 DTC BLVD GREENWOOD VILLIAGE, CO 80111 |
* | $ 196,687,000 | 1 | $ 215,000 |
| THE FIRST NATIONAL BANK AND TRUST COMPANY 345 E GRAND AVE BELOIT, WI 53511 |
* | $ 825,880,000 | 1 | $ 229,000 |
| FIRST NATIONAL BANK - FOX VALL 550 S. GREEN BAY ROAD NEENAH, WI 54956 |
* | $ 255,047,000 | 1 | $ 146,000 |
| FORTIFI BANK 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 264,232,000 | 1 | $ 152,000 |
| MARQUETTE BANK 6316 S WESTERN AVE CHICAGO, IL 60636 |
* | $ 1,798,981,000 | 1 | $ 125,000 |
| BRISTOL MORGAN BANK 103 S. MAIN ST., PO BOX 128 OAKFIELD, WI 53065 |
* | $ 68,213,000 | 1 | $ 156,000 |
| THE PRIVATEBANK MORTGAGE CO. 120 SOUTH LASALLE STREET CHICAGO, IL 60603 |
* | $ 10,040,000 | 1 | $ 390,000 |
| DB BERKSHIRE MORTGAGE INC ONE BEACON STREET BOSTON, MA 02108 |
* | $ 45,875,000,000 | 1 | $ 2,000,000 |
| LAKE FOREST BANK & TRUST CO 727 N. BANK LANE LAKE FOREST, IL 60045 |
* | $ 1,816,422,000 | 1 | $ 182,000 |
| TOWN BANK 850 W. NORTH SHORE DR. HARTLAND, WI 53029 |
* | $ 705,272,000 | 1 | $ 16,000 |
| THE STATE BANK AND TRUST COMPANY 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 652,867,000 | 1 | $ 238,000 |
| CAPWEST MORTGAGE CORPORATION 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 184,000 |
| CHOICE BANK 2450 WITZEL AVENUE OSHKOSH, WI 54904 |
* | $ 120,895,000 | 1 | $ 873,000 |
| SPRING BANK 16620 W BLUEMOUND RD SUITE 100 BROOKFIELD, WI 53005 |
* | $ 69,436,000 | 1 | $ 1,000,000 |
| FOUNDATIONS BANK N35 W23877 HIGHFIELD COURT PEWAUKEE, WI 53072 |
* | $ 233,266,000 | 1 | $ 131,000 |
| WEST POINTE BANK 1750 WITZEL AVE OSHKOSH, WI 54902 |
* | $ 461,572,000 | 1 | $ 42,000 |
| GATEWAY BUSINESS BANK 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 216,229,000 | 1 | $ 168,000 |
| INVESTORSBANK W239 N1700 BUSSE ROAD WAUKESHA, WI 53188 |
* | $ 261,315,000 | 1 | $ 150,000 |
| BAY BANK 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ 113,495,000 | 1 | $ 103,000 |
| FOX VALLEY SAVINGS BANK 51 E FIRST ST FOND DU LAC, WI 54935 |
* | $ 356,801,000 | 1 | $ 83,000 |
| E*TRADE BANK 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 45,042,065,000 | 1 | $ 250,000 |
| BANKLIBERTY 16 W FRANKLIN LIBERTY, MO 64068 |
* | $ 405,955,000 | 1 | $ 228,000 |
| SECURANT BANK & TRUST 6001 W CAPITOL DRIVE MILWAUKEE, WI 53216 |
* | $ 253,887,000 | 1 | $ 258,000 |
| FIRST COMMUNITY BANK 202 MERCHANT ROW MILTON, WI 53563 |
* | $ 81,435,000 | 1 | $ 290,000 |
| MCFARLAND STATE BANK 5990 US HIGHWAY 51 MCFARLAND, WI 53558 |
* | $ 363,166,000 | 1 | $ 272,000 |
| THE PARK BANK 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ 823,572,000 | 1 | $ 190,000 |
| INCREDIBLEBANK 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 951,759,000 | 1 | $ 321,000 |
| AMERICAN BANK PO BOX 1077 FOND DU LAC, WI 54936 |
* | $ 233,904,000 | 1 | $ 315,000 |
| DMB COMMUNITY BANK 321 N MAIN ST DEFOREST, WI 53532 |
* | $ 358,488,000 | 1 | $ 347,000 |
| COLLINS STATE BANK 20741 CTH JJ COLLINS, WI 54207 |
* | $ 39,989,000 | 1 | $ 55,000 |
| MITCHELL BANK 1039 W HISTORIC MITCHELL STREET MILWAUKEE, WI 53204 |
* | $ 73,623,000 | 1 | $ 21,000 |
| CITIZENS BANK 301 N ROCHESTER ST PO BOX 223 MUKWONAGO, WI 53149 |
* | $ 636,423,000 | 1 | $ 285,000 |
| HOMETOWN BANK 80 SHEBOYGAN ST FOND DU LAC, WI 54935 |
* | $ 210,144,000 | 1 | $ 177,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2010, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Ozaukee County WI in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 6,841 | $1,509,662,000 | $220,000 | $2,000,000 | $116,000 | $9,999,000 |
| Home Purchase | 1,286 | $285,758,000 | $222,000 | $1,950,000 | $108,000 | $1,542,000 |
| Home Improvement | 293 | $27,645,000 | $94,000 | $1,479,000 | $90,000 | $577,000 |
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 | 6,786 | $1,443,262,000 | $212,000 | $1,951,000 | $122,000 | $9,999,000 |
| Not applicable | 713 | $175,520,000 | $246,000 | $2,000,000 | $24,000 | $1,193,000 |
| Not Provided | 626 | $129,526,000 | $206,000 | $937,000 | $114,000 | $1,920,000 |
| Asian | 127 | $36,651,000 | $288,000 | $974,000 | $180,000 | $979,000 |
| Hispanic | 76 | $14,937,000 | $196,000 | $600,000 | $123,000 | $979,000 |
| Black or African American | 67 | $17,750,000 | $264,000 | $800,000 | $116,000 | $475,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,000,000 | $214,000 | $417,000 | $134,000 | $254,000 |
| American Indian or Alaskan Native | 11 | $2,419,000 | $219,000 | $394,000 | $196,000 | $1,225,000 |
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) | 7,506 | $1,639,371,000 | $218,000 | $2,000,000 | $120,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 767 | $153,332,000 | $199,000 | $490,000 | $64,000 | $1,660,000 |
| VA-guaranteed (Veterans Administration) | 121 | $26,503,000 | $219,000 | $558,000 | $59,000 | $455,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,859,000 | $148,000 | $227,000 | $48,000 | $78,000 |
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 | 4,959 | $1,050,531,000 | $211,000 | $2,000,000 | $125,000 | $2,895,000 |
| Loan Purchased By The Institution | 1,594 | $370,773,000 | $232,000 | $1,000,000 | $79,000 | $1,299,000 |
| Application Denied By Financial Institution | 866 | $186,756,000 | $215,000 | $1,206,000 | $114,000 | $9,999,000 |
| Application Withdrawn By Applicant | 634 | $133,146,000 | $210,000 | $900,000 | $112,000 | $1,570,000 |
| Application Approved But Not Accepted | 212 | $44,260,000 | $208,000 | $1,951,000 | $111,000 | $1,848,000 |
| File Closed For Incompleteness | 153 | $37,122,000 | $242,000 | $882,000 | $105,000 | $485,000 |
| Preapproval Approved but not Accepted | 1 | $300,000 | $300,000 | $300,000 | $195,000 | $195,000 |
| Preapproval Denied by Financial Institution | 1 | $177,000 | $177,000 | $177,000 | $98,000 | $98,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 196 | $51,733,000 | $263,000 | $1,206,000 | $176,000 | $9,999,000 |
| Debt-To-Income Ratio | 162 | $35,919,000 | $221,000 | $937,000 | $77,000 | $1,132,000 |
| Credit History | 101 | $14,569,000 | $144,000 | $490,000 | $85,000 | $348,000 |
| Other | 83 | $16,871,000 | $203,000 | $880,000 | $127,000 | $918,000 |
| Credit Application Incomplete | 79 | $18,537,000 | $234,000 | $527,000 | $99,000 | $384,000 |
| Unverifiable Information | 19 | $3,738,000 | $196,000 | $450,000 | $115,000 | $770,000 |
| Employment History | 14 | $2,648,000 | $189,000 | $417,000 | $78,000 | $282,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,696,000 | $299,000 | $751,000 | $271,000 | $803,000 |
| Mortgage Insurance Denied | 2 | $238,000 | $119,000 | $163,000 | $81,000 | $129,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.