Sawyer County, WI Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 845 mortgage applications in Sawyer County, WI totaling $215.3 million, up 13% from 2024. The average application was for $254,000, and applicants reported an average income of $179,000. 63% of applications resulted in an originated loan and 14% were denied. The most active lender was Johnson Bank, with 105 applications, followed by Frandsen Bank & Trust and Superior Choice 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 845
Total Mortgage Loan Application Amount $215,295,000
Average Mortgage Loan Application Amount $254,000
Highest Mortgage Loan Application Amount $2,005,000
Average Applicant Income $179,000
Highest Applicant Income $4,646,000

Mortgage Company List for Lending in Sawyer 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
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ n/a 105 $ 27,935,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ n/a 51 $ 14,885,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ n/a 48 $ 5,020,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ n/a 43 $ 7,325,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 41 $ 12,445,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 37 $ 8,595,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ n/a 35 $ 6,545,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 21 $ 6,035,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 20 $ 5,860,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ n/a 19 $ 3,145,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 18 $ 5,310,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 14 $ 4,270,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 11 $ 3,425,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 11 $ 1,915,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ n/a 10 $ 1,780,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ n/a 10 $ 1,600,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ n/a 10 $ 2,720,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 9 $ 2,385,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 9 $ 3,105,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 9 $ 2,935,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ n/a 8 $ 3,260,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 8 $ 1,010,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 8 $ 640,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 7 $ 565,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 5,040,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 6 $ 4,070,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ n/a 6 $ 2,040,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 5 $ 315,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ n/a 5 $ 445,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ n/a 5 $ 1,155,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 5 $ 1,725,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 5 $ 1,855,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 4 $ 1,520,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 480,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 4 $ 240,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ n/a 4 $ 250,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ n/a 4 $ 900,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 760,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 4 $ 710,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ n/a 4 $ 1,610,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 780,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ n/a 3 $ 345,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ n/a 3 $ 755,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ n/a 3 $ 1,405,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ n/a 3 $ 625,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ n/a 3 $ 485,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 3 $ 105,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 3 $ 1,315,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 795,000
Citizens First Bank
101 S MAIN ST
VIROQUA, WI 54665
* $ n/a 3 $ 715,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 3 $ 1,325,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 3 $ 565,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 3 $ 1,105,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ n/a 3 $ 685,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 745,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 610,000
Peoples State Bank of Plainview
100 4TH AVE SE
PLAINVIEW, MN 55964
* $ n/a 2 $ 1,460,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 2 $ 570,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 420,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 750,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 200,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 530,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 2 $ 1,260,000
Citizens State Bank
375 STAGELINE RD
HUDSON, WI 54016
* $ n/a 2 $ 570,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ n/a 2 $ 410,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ n/a 2 $ 300,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 200,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 530,000
Town Bank, N.A.

ROSEMONT, IL 60018
* $ n/a 2 $ 1,540,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ n/a 2 $ 760,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ n/a 2 $ 560,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 330,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 2 $ 960,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 210,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 2 $ 700,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 850,000
Westby Co-Op Credit Union
501 N MAIN ST
WESTBY, WI 54667
* $ n/a 2 $ 410,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ n/a 2 $ 100,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 470,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 420,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 495,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 505,000
First Resource Bank
7449 VILLAGE DRIVE
LINO LAKES, MN 55014
* $ n/a 1 $ 785,000
New Market Bank
101 OLD TOWN RD
ELKO NEW MARKET, MN 55054
* $ n/a 1 $ 185,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ n/a 1 $ 225,000
Bluff View Bank
16893 SOUTH MAIN STREET
GALESVILLE, WI 54630
* $ n/a 1 $ 95,000
First Central State Bank
914 6TH AVE
DE WITT, IA 52742
* $ n/a 1 $ 955,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ n/a 1 $ 405,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ n/a 1 $ 215,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ n/a 1 $ 665,000
Stillman Banccorp NA
101 E. MAIN STREET P.O. BOX 150
STILLMAN VALLEY, IL 61084
* $ n/a 1 $ 45,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ n/a 1 $ 95,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ n/a 1 $ 225,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 245,000
Oostburg State Bank
905 CENTER AVE
OOSTBURG, WI 53070
* $ n/a 1 $ 175,000
Eagle Rock Bank
975 34TH AVE NW
ROCHESTER, MN 55901
* $ n/a 1 $ 345,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 455,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 1 $ 1,105,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 245,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 35,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ n/a 1 $ 445,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ n/a 1 $ 465,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 345,000
Highland Bank
2100 FORD PKWY
SAINT PAUL, MN 55116
* $ n/a 1 $ 255,000
First State Bank
706 WASHINGTON STREET
MENDOTA, IL 61342
* $ n/a 1 $ 285,000
The Northwestern Bank
202 N. BRIDGE ST. PO BOX 49
CHIPPEWA FALLS, WI 54729
* $ n/a 1 $ 585,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ n/a 1 $ 45,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 195,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 135,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 1 $ 405,000
Shoreline Credit Union
4400 CALUMET AVENUE
MANITOWOC, WI 54220
* $ n/a 1 $ 175,000
St. Charles Bank & Trust Company, N.A.
411 WEST MAIN STREET
SAINT CHARLES, IL 60174
* $ n/a 1 $ 835,000
Hinsdale Bank & Trust Company, N.A
25 EAST FIRST STREET
HINSDALE, IL 60521
* $ n/a 1 $ 255,000
Resource Bank N.A.
555 BETHANY RD 2ND FLOOR
DEKALB, IL 60115
* $ n/a 1 $ 805,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ n/a 1 $ 435,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 145,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ n/a 1 $ 285,000
Heartland Credit Union
5325 HIGH CROSSING BLVD
MADISON, WI 53718
* $ n/a 1 $ 125,000
Fox Valley Savings Bank
51 EAST FIRST STREET
FOND DU LAC, WI 54935
* $ n/a 1 $ 555,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ n/a 1 $ 295,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 325,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ n/a 1 $ 205,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ n/a 1 $ 215,000
Mound City Bank
25 E PINE STREET
PLATTEVILLE, WI 53818
* $ n/a 1 $ 245,000
Dmb Community Bank
321 N MAIN ST
DEFOREST, WI 53532
* $ n/a 1 $ 245,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ n/a 1 $ 95,000
Mayo Employees Federal Credit Union
130 23RD AVE SW
ROCHESTER, MN 55902
* $ n/a 1 $ 45,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 265,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 465,000
Blackhawk Community Credit Uni
PO BOX 5366
JANESVILLE, WI 53547
* $ n/a 1 $ 365,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 275,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 215,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 75,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 1 $ 475,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 145,000
Agcountry Farm Credit Services, Flca
1900 44TH ST S - PO BOX 6020
FARGO, ND 58108
* $ n/a 1 $ 145,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ n/a 1 $ 405,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ n/a 1 $ 475,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 515,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ n/a 1 $ 775,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 215,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 1 $ 615,000
Foresight Bank
138 WEST BROADWAY
PLAINVIEW, MN 55964
* $ n/a 1 $ 205,000
Partners Bank of Wisconsin
907 NORTH CENTRAL AVE., PO BOX 730
MARSHFIELD, WI 54449
* $ n/a 1 $ 235,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 155,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 165,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ n/a 1 $ 65,000
Byron Bank
200 N WALNUT ST
BYRON, IL 61010
* $ n/a 1 $ 775,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ n/a 1 $ 175,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ n/a 1 $ 685,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ n/a 1 $ 305,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 185,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 85,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 805,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 405,000
Manufacturers Bank & Trust Co
245 EAST J ST, PO BOX 450
FOREST CITY, IA 50436
* $ n/a 1 $ 435,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 1 $ 215,000
The First National Bank of River Falls
104 EAST LOCUST STREET
RIVER FALLS, WI 54022
* $ n/a 1 $ 135,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 215,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 265,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ n/a 1 $ 315,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 115,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 1 $ 175,000
Consumers Credit Union
1075 TRI STATE PARKWAY STE 850
GURNEE, IL 60031
* $ n/a 1 $ 535,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 225,000

The tables below break down 2025 mortgage applications in Sawyer 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 Sawyer 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 380 $129,070,000 $339,000 $2,005,000 $209,000 $3,778,000
Cash-out Refinancing 122 $25,800,000 $211,000 $1,105,000 $109,000 $428,000
Home Improvement 117 $14,725,000 $125,000 $1,405,000 $138,000 $547,000
Refinancing 116 $29,760,000 $256,000 $1,015,000 $185,000 $2,034,000
Other Purpose 110 $15,940,000 $144,000 $1,825,000 $193,000 $4,646,000
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 688 $171,510,000 $249,000 $1,725,000 $169,000 $2,367,000
Not Provided 66 $15,140,000 $229,000 $845,000 $260,000 $3,778,000
Not applicable 51 $19,205,000 $376,000 $2,005,000 $183,000 $522,000
American Indian or Alaskan Native 24 $4,170,000 $173,000 $515,000 $102,000 $300,000
Hispanic 9 $3,385,000 $376,000 $1,825,000 $588,000 $4,646,000
Asian 6 $1,480,000 $246,000 $405,000 $128,000 $324,000
Black or African American 1 $405,000 $405,000 $405,000 $127,000 $127,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 757 $192,065,000 $253,000 $2,005,000 $187,000 $4,646,000
VA-guaranteed (Veterans Administration) 48 $15,440,000 $321,000 $745,000 $119,000 $600,000
FHA-insured (Federal Housing Administration) 37 $7,455,000 $201,000 $405,000 $66,000 $197,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $335,000 $111,000 $225,000 $78,000 $92,000

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 533 $141,465,000 $265,000 $1,825,000 $200,000 $4,646,000
Application Denied By Financial Institution 118 $19,550,000 $165,000 $1,105,000 $107,000 $788,000
Application Withdrawn By Applicant 96 $26,540,000 $276,000 $2,005,000 $156,000 $1,595,000
Application Approved But Not Accepted 35 $9,105,000 $260,000 $1,085,000 $201,000 $2,034,000
Loan Purchased By The Institution 34 $11,990,000 $352,000 $1,375,000 $173,000 $522,000
File Closed For Incompleteness 26 $5,710,000 $219,000 $1,015,000 $142,000 $568,000
Preapproval Approved but not Accepted 2 $700,000 $350,000 $535,000 $207,000 $275,000
Preapproval Denied by Financial Institution 1 $235,000 $235,000 $235,000 $0 $0

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 657 $177,885,000 $270,000 $2,005,000 $182,000 $4,646,000
Debt-To-Income Ratio 115 $25,475,000 $221,000 $955,000 $195,000 $2,367,000
Credit History 32 $4,290,000 $134,000 $555,000 $92,000 $400,000
Collateral 16 $3,630,000 $226,000 $1,105,000 $222,000 $788,000
Other 9 $1,715,000 $190,000 $505,000 $126,000 $390,000
Credit Application Incomplete 7 $855,000 $122,000 $325,000 $89,000 $207,000
Unverifiable Information 4 $690,000 $172,000 $265,000 $74,000 $98,000
Employment History 3 $475,000 $158,000 $175,000 $108,000 $199,000
Insufficient Cash (Downpayment, Closing Cost) 2 $280,000 $140,000 $145,000 $105,000 $120,000
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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