Sawyer County, WI Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 671 mortgage applications in Sawyer County, WI totaling $138.6 million, down 25% from 2022. The average application was for $206,000, and applicants reported an average income of $159,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was Johnson Bank, with 82 applications, followed by Superior Choice Credit Union and Chippewa Valley Bank.

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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 671
Total Mortgage Loan Application Amount $138,645,000
Average Mortgage Loan Application Amount $206,000
Highest Mortgage Loan Application Amount $1,505,000
Average Applicant Income $159,000
Highest Applicant Income $4,800,000

Mortgage Company List for Lending in Sawyer 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
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 6,057,275,000 82 $ 17,670,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 708,340,000 59 $ 5,725,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ 637,500,000 40 $ 7,010,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,552,579,000 34 $ 4,580,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 3,163,444,000 26 $ 5,390,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 23 $ 5,255,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 39,358,786,000 23 $ 3,285,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 20 $ 5,470,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,310,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,937,869,000 14 $ 1,710,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 2,530,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 6,224,510,000 9 $ 1,235,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ 705,542,000 9 $ 1,035,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,605,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,382,388,000 8 $ 1,520,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 8 $ 1,650,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 8 $ 1,720,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 8 $ 1,690,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,815,328,000 8 $ 2,120,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 7 $ 335,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,105,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 1,580,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 6 $ 1,850,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 930,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 12,493,973,000 5 $ 1,985,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 4,614,668,000 5 $ 1,715,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 1,145,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,555,530,000 5 $ 1,745,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 1,045,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 4 $ 400,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 4 $ 300,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 4 $ 390,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 4,078,225,000 4 $ 720,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 427,321,000 3 $ 495,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 15,939,263,000 3 $ 2,105,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 8,748,360,000 3 $ 1,405,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 3 $ 655,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 755,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 975,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 2,119,023,000 3 $ 795,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 931,741,000 3 $ 985,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 1,248,794,000 2 $ 240,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 2 $ 540,000
Citizens State Bank
304 N MAIN STREET
CADOTT, WI 54727
* $ 175,713,000 2 $ 210,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 2 $ 350,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,576,574,000 2 $ 290,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 450,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 2 $ 1,390,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 2 $ 270,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 300,000
The Fisher National Bank
1710 S NEIL ST SUITE 3
FISHER, IL 61843
* $ 227,261,000 2 $ 370,000
The First National Bank of Bangor
1798 COMMERCIAL ST
BANGOR, WI 54614
* $ 294,187,000 2 $ 1,000,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 2 $ 140,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ 2,318,949,000 2 $ 590,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 1,096,108,000 2 $ 1,060,000
The State Bank of Faribault
428 CENTRAL AVE N
FARIBAULT, MN 55021
* $ 285,774,000 2 $ 620,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 320,000
Citizens State Bank
375 STAGELINE RD
HUDSON, WI 54016
* $ 351,648,000 2 $ 350,000
Thompson Kane & Company, Inc
8020 EXCELSIOR DRIVE SUITE 401
MADISON, WI 53717
* $ -1,000 2 $ 230,000
Waukesha State Bank
151 E ST PAUL AVE P.O. BOX 648
WAUKESHA, WI 53187
* $ 1,513,958,000 2 $ 450,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 497,759,000 2 $ 190,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ 93,135,000 2 $ 90,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 5,145,209,000 2 $ 370,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 750,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 8,422,113,000 2 $ 150,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ 546,306,000 2 $ 480,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 255,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 215,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ 828,402,000 1 $ 305,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 455,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 545,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 115,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 165,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 905,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 545,000
Novation Credit Union
500 IMPERIAL AVE
OAKDALE, MN 55128
* $ 224,720,000 1 $ 25,000
Centricity Credit Union
4477 LAVAQUE RD
DULUTH, MN 55811
* $ 236,874,000 1 $ 25,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 145,000
Bluff View Bank
16893 SOUTH MAIN STREET
GALESVILLE, WI 54630
* $ 125,298,000 1 $ 155,000
Minnesota Power Employees Credit Union
30 W SUPERIOR ST. STE. 126
DULUTH, MN 55802
* $ 122,967,000 1 $ 75,000
First National Community Bank
109 E. 2ND ST. PO BOX 89
NEW RICHMOND, WI 54017
* $ 300,835,000 1 $ 545,000
Bank of Wisconsin Dells
716 SUPERIOR ST
716 SUPERIOR ST, WI 53965
* $ 949,124,000 1 $ 235,000
Tradition Capital Bank
7601 FRANCE AVE S
WAYZATA, MN 55391
* $ 2,105,040,000 1 $ 665,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 255,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 6,574,512,000 1 $ 495,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 4,700,520,000 1 $ 205,000
Cleveland State Bank
1250 W. WASHINGTON AVE
CLEVELAND, WI 53015
* $ 187,935,000 1 $ 205,000
Western Alliance Bank
2901 N CENTRAL AVENUE
PHOENIX, AZ 85012
* $ 67,683,841,000 1 $ 315,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 1 $ 15,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 875,403,000 1 $ 725,000
New Market Bank
101 OLD TOWN RD
ELKO NEW MARKET, MN 55054
* $ 188,657,000 1 $ 205,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ 431,935,000 1 $ 125,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 759,764,000 1 $ 555,000
Governmental Employees Credit Union
225 LA CROSSE ST
LA CROSSE, WI 54601
* $ 98,179,000 1 $ 205,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ 2,847,684,000 1 $ 285,000
Citizens First Bank
101 S MAIN ST
VIROQUA, WI 54665
* $ 305,821,000 1 $ 165,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 225,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 125,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 175,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 75,000
Farmers & Merchants Union Bank
159 W JAMES ST PO BOX 226
COLUMBUS, WI 53925
* $ 449,750,000 1 $ 565,000
Oak Bank
5951 MCKEE ROAD STE 100
FITCHBURG, WI 53719
* $ 462,519,000 1 $ 1,505,000
The First National Bank of River Falls
104 EAST LOCUST STREET
RIVER FALLS, WI 54022
* $ 327,434,000 1 $ 415,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 225,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 6,153,509,000 1 $ 85,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 1 $ 145,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 905,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ 2,693,982,000 1 $ 165,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 165,000
First Northern Credit Union
230 W MONROE, SUITE 2850
CHICAGO, IL 60606
* $ 366,946,000 1 $ 125,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 1 $ 355,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 385,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,740,477,000 1 $ 485,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 105,000
Foresight Bank
138 WEST BROADWAY
PLAINVIEW, MN 55964
* $ 329,643,000 1 $ 305,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 315,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 1 $ 585,000
Town Bank, N.A.

ROSEMONT, IL 60018
* $ 3,554,665,000 1 $ 685,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 1 $ 125,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 1 $ 155,000
Pillar Bank
990 MAIN STREET, PO BOX 2060
BALDWIN, WI 54002
* $ 247,492,000 1 $ 325,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 255,000
The Northwestern Bank
202 N. BRIDGE ST. PO BOX 49
CHIPPEWA FALLS, WI 54729
* $ 607,078,000 1 $ 125,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 485,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 225,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 1 $ 215,000
Northeast Bank
77 BROADWAY ST NE
MINNEAPOLIS, MN 55413
* $ 715,822,000 1 $ 355,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 6,896,511,000 1 $ 115,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 725,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 1,037,836,000 1 $ 355,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54401
* $ 1,337,361,000 1 $ 45,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 1 $ 335,000
Farmers State Bank
131 TOWER PARK DRIVE SUITE 100
WATERLOO, IA 50701
* $ 1,542,625,000 1 $ 685,000
Highland Bank
2100 FORD PKWY
SAINT PAUL, MN 55116
* $ 663,555,000 1 $ 175,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 21,228,609,000 1 $ 465,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ 212,280,000 1 $ 35,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 145,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 185,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 155,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 125,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 2,963,887,000 1 $ 155,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ 81,451,000 1 $ 65,000
Stillman Banccorp NA
101 E. MAIN STREET P.O. BOX 150
STILLMAN VALLEY, IL 61084
* $ 592,719,000 1 $ 125,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 175,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 2,170,641,000 1 $ 485,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,895,358,000 1 $ 385,000
Bank CMG
8020 EXCELSIOR DR STE 100
MADISON, WI 53717
* $ 609,959,000 1 $ 85,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ 935,505,000 1 $ 655,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ -1,000 1 $ 315,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 315,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 155,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 42,076,662,000 1 $ 735,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 1 $ 275,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,034,078,000 1 $ 145,000

The tables below break down 2023 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 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 335 $93,785,000 $279,000 $1,505,000 $198,000 $4,800,000
Cash-out Refinancing 100 $15,970,000 $159,000 $805,000 $101,000 $700,000
Home Improvement 99 $9,355,000 $94,000 $505,000 $103,000 $446,000
Other Purpose 76 $8,130,000 $106,000 $875,000 $147,000 $1,876,000
Refinancing 60 $11,350,000 $189,000 $1,005,000 $161,000 $1,063,000
Not Applicable 1 $55,000 $55,000 $55,000 $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 530 $110,400,000 $208,000 $1,245,000 $165,000 $4,800,000
Not Provided 68 $12,920,000 $190,000 $685,000 $125,000 $453,000
Not applicable 52 $13,360,000 $256,000 $1,505,000 $859,000 $859,000
American Indian or Alaskan Native 14 $900,000 $64,000 $155,000 $70,000 $164,000
Asian 3 $635,000 $211,000 $355,000 $56,000 $94,000
Hispanic 3 $405,000 $135,000 $185,000 $85,000 $113,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Black or African American 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) 591 $122,515,000 $207,000 $1,505,000 $169,000 $4,800,000
FHA-insured (Federal Housing Administration) 40 $7,300,000 $182,000 $385,000 $68,000 $198,000
VA-guaranteed (Veterans Administration) 35 $8,205,000 $234,000 $425,000 $78,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $625,000 $125,000 $195,000 $57,000 $80,000

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 433 $98,145,000 $226,000 $1,505,000 $169,000 $2,201,000
Application Denied By Financial Institution 80 $10,220,000 $127,000 $655,000 $69,000 $250,000
Application Withdrawn By Applicant 73 $13,355,000 $182,000 $855,000 $204,000 $4,800,000
Loan Purchased By The Institution 32 $7,240,000 $226,000 $665,000 $263,000 $859,000
Application Approved But Not Accepted 29 $6,035,000 $208,000 $1,005,000 $166,000 $695,000
File Closed For Incompleteness 23 $3,495,000 $151,000 $505,000 $110,000 $280,000
Preapproval Denied by Financial Institution 1 $155,000 $155,000 $155,000 $1,000 $1,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $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 517 $111,985,000 $216,000 $1,245,000 $168,000 $4,800,000
Debt-To-Income Ratio 105 $20,325,000 $193,000 $1,505,000 $155,000 $972,000
Credit History 25 $3,155,000 $126,000 $655,000 $70,000 $200,000
Collateral 12 $1,040,000 $86,000 $215,000 $55,000 $109,000
Other 8 $1,470,000 $183,000 $475,000 $143,000 $250,000
Unverifiable Information 1 $55,000 $55,000 $55,000 $47,000 $47,000
Credit Application Incomplete 1 $165,000 $165,000 $165,000 $37,000 $37,000
Employment History 1 $85,000 $85,000 $85,000 $29,000 $29,000
Insufficient Cash (Downpayment, Closing Cost) 1 $365,000 $365,000 $365,000 $190,000 $190,000
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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