Vernon County, WI Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 780 mortgage applications in Vernon County, WI totaling $116.5 million, up 9% from 2018. The average application was for $149,000, and applicants reported an average income of $85,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Altra Federal Credit Union, with 118 applications, followed by Associated Bank NA and Royal 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 | 780 |
| Total Mortgage Loan Application Amount | $116,540,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,514,584,000 | 118 | $ 14,940,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 54 | $ 7,230,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ 442,832,000 | 48 | $ 6,840,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 490,877,000 | 30 | $ 3,440,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,766,499,000 | 26 | $ 5,110,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 25 | $ 3,605,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 753,826,000 | 20 | $ 2,010,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 18 | $ 1,290,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 18 | $ 4,100,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 15 | $ 2,655,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 924,371,000 | 15 | $ 1,685,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 14 | $ 1,990,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 12 | $ 1,950,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ 84,215,000 | 12 | $ 1,250,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 12 | $ 2,010,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 389,173,000 | 11 | $ 1,585,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 11 | $ 1,555,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 11 | $ 1,225,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 1,430,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 1,530,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,475,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,495,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 12,122,519,000 | 9 | $ 1,165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 9 | $ 1,035,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 69,389,000 | 8 | $ 760,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 3,224,170,000 | 8 | $ 910,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 280,047,000 | 8 | $ 1,680,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 55,599,000 | 8 | $ 1,830,000 |
| 1st Community Credit Union 1000 W. WISCONSIN STREET SPARTA, WI 54656 |
* | $ 169,909,000 | 8 | $ 990,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 2,819,644,000 | 6 | $ 770,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,280,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 805,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 305,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 5 | $ 735,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 1,025,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 675,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 580,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 4 | $ 570,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 4 | $ 710,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 360,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 870,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 19,633,838,000 | 4 | $ 370,000 |
| The First National Bank of Bangor 1798 COMMERCIAL ST BANGOR, WI 54614 |
* | $ 230,926,000 | 4 | $ 400,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 425,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 5,394,695,000 | 3 | $ 225,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ 345,972,000 | 3 | $ 925,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 375,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 415,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ 101,129,000 | 3 | $ 555,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 3 | $ 455,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ 1,993,670,000 | 2 | $ 270,000 |
| Wisconsin Mortgage Corporation PO BOX 942 BROOKFIELD, WI 53008 |
* | $ -1,000 | 2 | $ 170,000 |
| Heritage Credit Union 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 350,874,000 | 2 | $ 260,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 786,287,000 | 2 | $ 620,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,185,477,000 | 2 | $ 240,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 2 | $ 420,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 330,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 2,390,524,000 | 2 | $ 180,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 390,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 500,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 955,732,000 | 2 | $ 250,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 300,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 2 | $ 280,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 500,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 70,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 380,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,645,094,000 | 2 | $ 240,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 2 | $ 410,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 360,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ 282,968,000 | 2 | $ 330,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 2 | $ 230,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 380,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,983,953,000 | 2 | $ 460,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 350,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 2 | $ 370,000 |
| Community First Credit Union of Florida 637 N. LEE STREET JACKSONVILLE, FL 32204 |
* | $ 1,638,566,000 | 2 | $ 250,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 295,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ 337,941,000 | 1 | $ 35,000 |
| Central State Bank 805 22ND AVE CORALVILLE, IA 52241 |
* | $ 276,469,000 | 1 | $ 255,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 111,593,000 | 1 | $ 105,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 105,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 185,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 195,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 1 | $ 235,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 45,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 215,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 75,169,000,000 | 1 | $ 105,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 711,235,000 | 1 | $ 135,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,071,570,000 | 1 | $ 265,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 75,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 205,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 135,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 1 | $ 275,000 |
| Waterstone Bank SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ 1,911,865,000 | 1 | $ 945,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 35,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 335,000 |
| Union State Bank of West Salem 120 S. MILL STREET/ PO BOX 870 WEST SALEM, WI 54669 |
* | $ 88,566,000 | 1 | $ 35,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 205,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,696,414,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 75,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 205,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 255,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 225,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 175,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 348,812,000 | 1 | $ 175,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 115,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 95,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 175,000 |
| The Park Bank 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ 973,120,000 | 1 | $ 125,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 3,284,241,000 | 1 | $ 665,000 |
| Blackhawk Community Credit Uni PO BOX 5366 JANESVILLE, WI 53547 |
* | $ 605,880,000 | 1 | $ 105,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| Dane County Credit Union 2160 RIMROCK ROAD MADISON, WI 53713 |
* | $ 188,358,000 | 1 | $ 35,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 265,000 |
| The Port Washington State Bank 206 N FRANKLIN ST PORT WASHINGTON, WI 53074 |
* | $ 602,047,000 | 1 | $ 225,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 3,965,320,000 | 1 | $ 35,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 335,000 |
| Bank CMG 8020 EXCELSIOR DR STE 100 MADISON, WI 53717 |
* | $ 179,378,000 | 1 | $ 3,005,000 |
| The Northwestern Bank 202 N. BRIDGE ST. PO BOX 49 CHIPPEWA FALLS, WI 54729 |
* | $ 450,440,000 | 1 | $ 275,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 65,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 75,000 |
The tables below break down 2019 mortgage applications in Vernon 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 Vernon County, WI in 2019
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 | 341 | $60,985,000 | $178,000 | $3,005,000 | $87,000 | $546,000 |
| Refinancing | 196 | $30,350,000 | $154,000 | $805,000 | $85,000 | $600,000 |
| Cash-out Refinancing | 125 | $18,835,000 | $150,000 | $485,000 | $73,000 | $271,000 |
| Other Purpose | 68 | $3,960,000 | $58,000 | $355,000 | $89,000 | $347,000 |
| Home Improvement | 46 | $2,120,000 | $46,000 | $355,000 | $95,000 | $385,000 |
| Not Applicable | 4 | $290,000 | $72,000 | $125,000 | $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 | 665 | $94,665,000 | $142,000 | $805,000 | $83,000 | $426,000 |
| Not Provided | 55 | $8,915,000 | $162,000 | $405,000 | $105,000 | $600,000 |
| Not applicable | 54 | $12,180,000 | $225,000 | $3,005,000 | $75,000 | $142,000 |
| Hispanic | 3 | $465,000 | $155,000 | $205,000 | $52,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $64,000 | $64,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $74,000 | $74,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $196,000 | $196,000 |
| 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) | 637 | $93,345,000 | $146,000 | $3,005,000 | $89,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 68 | $12,110,000 | $178,000 | $485,000 | $63,000 | $200,000 |
| FHA-insured (Federal Housing Administration) | 63 | $9,415,000 | $149,000 | $295,000 | $58,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,670,000 | $139,000 | $195,000 | $56,000 | $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 | 500 | $77,190,000 | $154,000 | $3,005,000 | $88,000 | $426,000 |
| Application Denied By Financial Institution | 111 | $12,815,000 | $115,000 | $465,000 | $68,000 | $385,000 |
| Application Withdrawn By Applicant | 89 | $15,125,000 | $169,000 | $575,000 | $85,000 | $600,000 |
| Loan Purchased By The Institution | 47 | $7,165,000 | $152,000 | $415,000 | $69,000 | $142,000 |
| Application Approved But Not Accepted | 23 | $3,145,000 | $136,000 | $275,000 | $109,000 | $546,000 |
| File Closed For Incompleteness | 10 | $1,100,000 | $110,000 | $205,000 | $93,000 | $319,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 595 | $92,615,000 | $155,000 | $3,005,000 | $87,000 | $600,000 |
| Debt-To-Income Ratio | 117 | $16,925,000 | $144,000 | $945,000 | $78,000 | $271,000 |
| Credit History | 32 | $2,410,000 | $75,000 | $295,000 | $74,000 | $385,000 |
| Collateral | 18 | $2,290,000 | $127,000 | $265,000 | $79,000 | $215,000 |
| Credit Application Incomplete | 6 | $800,000 | $133,000 | $235,000 | $51,000 | $78,000 |
| Other | 4 | $390,000 | $97,000 | $125,000 | $70,000 | $76,000 |
| Employment History | 4 | $460,000 | $115,000 | $205,000 | $45,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $420,000 | $210,000 | $275,000 | $107,000 | $175,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $175,000 | $50,000 | $70,000 |
| 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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