Washburn County, WI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 626 mortgage applications in Washburn County, WI totaling $89.6 million, down 34% from 2013. The average application was for $143,000, and applicants reported an average income of $86,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Johnson Bank, with 73 applications, followed by US Bank, N.A. 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 | 626 |
| Total Mortgage Loan Application Amount | $89,646,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,117,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,307,000 |
* 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 |
|---|---|---|---|---|
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 3,913,622,000 | 73 | $ 9,196,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 48 | $ 7,179,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 38 | $ 5,457,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 37 | $ 4,915,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 871,383,000 | 26 | $ 2,244,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,392,362,000 | 24 | $ 3,055,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 22 | $ 2,371,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 20 | $ 1,685,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 18 | $ 2,742,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 290,195,000 | 17 | $ 3,082,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,346,761,000 | 12 | $ 1,024,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 11 | $ 2,715,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,356,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,528,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 10 | $ 1,166,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 8 | $ 2,824,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 552,204,000 | 7 | $ 1,549,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 906,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 849,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 558,319,000 | 5 | $ 450,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 5 | $ 567,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 5 | $ 859,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 4 | $ 817,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 466,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 4 | $ 690,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 4 | $ 554,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 4 | $ 498,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 4 | $ 502,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 509,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 3 | $ 462,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 551,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 495,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 219,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 3 | $ 528,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 3 | $ 344,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 460,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 3 | $ 426,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 242,416,000 | 3 | $ 404,000 |
| Central Bank 2270 FRONTAGE RD WEST STILLWATER, MN 55082 |
* | $ 1,152,266,000 | 3 | $ 562,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 252,097,000 | 3 | $ 442,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,905,587,000 | 3 | $ 484,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 267,102,000 | 2 | $ 243,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 408,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 297,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 150,121,000 | 2 | $ 218,000 |
| East Wisconsin Savings Bank 109 W 2ND ST KAUKAUNA, WI 54130 |
* | $ 234,987,000 | 2 | $ 189,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 597,895,000 | 2 | $ 416,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 2 | $ 296,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 474,386,000 | 2 | $ 83,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 2 | $ 264,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 380,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 199,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 141,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 2 | $ 230,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 166,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 236,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 358,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 390,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,540,049,000 | 2 | $ 554,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 617,585,000 | 2 | $ 60,000 |
| Pigeon Falls State Bank 40214 S. EKERN AVE PO BOX 489 PIGEON FALLS, WI 54760 |
* | $ 74,033,000 | 2 | $ 1,617,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 2,111,963,000 | 2 | $ 236,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,094,865,000 | 2 | $ 100,000 |
| Hermantown Federal Credit Unio 4477 LAVAQUE RD HERMANTOWN, MN 55811 |
* | $ 115,599,000 | 2 | $ 33,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 926,944,000 | 2 | $ 142,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 126,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 494,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 140,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 301,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 2 | $ 181,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 149,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 107,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 77,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 120,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 5,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 216,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 117,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 120,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 236,094,000 | 1 | $ 120,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 165,255,000 | 1 | $ 62,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 928,895,000 | 1 | $ 116,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 914,430,000 | 1 | $ 35,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 331,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,560,571,000 | 1 | $ 16,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 175,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 841,451,000 | 1 | $ 160,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ 129,605,000 | 1 | $ 170,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 246,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 1 | $ 127,000 |
| Prevail Bank 675 E BROADWAY AVE MEDFORD, WI 54451 |
* | $ 624,320,000 | 1 | $ 106,000 |
| Dairyland State Bank 719 NORTH MAIN STREET BRUCE, WI 54819 |
* | $ 80,597,000 | 1 | $ 64,000 |
| Farmers Savings Bank 305 DOTY ST MINERAL POINT, WI 53565 |
* | $ 241,390,000 | 1 | $ 87,000 |
| Lake Elmo Bank 11465 39TH STREET NORTH LAKE ELMO, MN 55042 |
* | $ 304,867,000 | 1 | $ 103,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ 418,983,000 | 1 | $ 60,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 370,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 244,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 120,000 |
| River Falls State Bank 124 S. SECOND STREET RIVER FALLS, WI 54022 |
* | $ 80,975,000 | 1 | $ 200,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 212,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 171,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 318,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 222,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 76,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 370,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 116,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 1 | $ 77,000 |
| McGlone Mortgage Company, Inc. 3701 E. EVERGREEN DRIVE, SUITE 500B APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 551,094,000 | 1 | $ 20,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,123,457,000 | 1 | $ 215,000 |
| The First National Bank of River Falls 104 EAST LOCUST STREET RIVER FALLS, WI 54022 |
* | $ 271,002,000 | 1 | $ 147,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 1 | $ 280,000 |
| Woodford State Bank 403 WEST 8TH STREET, PO BOX 766 MONROE, WI 53566 |
* | $ 178,758,000 | 1 | $ 13,000 |
| Security Bank PO BOX 278 NEW AUBURN, WI 54757 |
* | $ 74,478,000 | 1 | $ 67,000 |
| First Farmers & Merchants Bank 123 SOUTH FOURTH STREET CANNON FALLS, MN 55009 |
* | $ 267,917,000 | 1 | $ 164,000 |
| Vermillion State Bank 107 E MAIN ST VERMILLION, MN 55085 |
* | $ 492,729,000 | 1 | $ 100,000 |
| Mpecu 30 W SUPERIOR ST. STE. 126 DULUTH, MN 55802 |
* | $ 85,365,000 | 1 | $ 66,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 136,000 |
| Venture Bank 4470 W 78TH STREET CIRCLE SUITE 100 BLOOMINGTON, MN 55435 |
* | $ 412,093,000 | 1 | $ 75,000 |
| Holcomb Bank 108 W MAIN ST ROCHELLE, IL 61068 |
* | $ 186,930,000 | 1 | $ 81,000 |
| Brokaw Credit Union 2006 SCHOFIELD AVE WESTON, WI 54476 |
* | $ 46,645,000 | 1 | $ 95,000 |
| Abbybank 401 E SPRUCE STREET PO BOX 648 ABBOTSFORD, WI 54405 |
* | $ 337,529,000 | 1 | $ 1,084,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 559,219,000 | 1 | $ 346,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 119,000 |
The tables below break down 2014 mortgage applications in Washburn 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 Washburn County, WI in 2014
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 | 331 | $48,464,000 | $146,000 | $1,117,000 | $70,000 | $625,000 |
| Home Purchase | 267 | $39,492,000 | $147,000 | $900,000 | $107,000 | $1,307,000 |
| Home Improvement | 28 | $1,690,000 | $60,000 | $300,000 | $83,000 | $215,000 |
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 | 507 | $70,087,000 | $138,000 | $900,000 | $94,000 | $1,307,000 |
| Not Provided | 61 | $9,214,000 | $151,000 | $753,000 | $78,000 | $370,000 |
| Not applicable | 43 | $8,255,000 | $191,000 | $1,117,000 | $12,000 | $142,000 |
| American Indian or Alaskan Native | 9 | $968,000 | $107,000 | $199,000 | $79,000 | $260,000 |
| Hispanic | 5 | $984,000 | $196,000 | $424,000 | $91,000 | $161,000 |
| Black or African American | 1 | $138,000 | $138,000 | $138,000 | $78,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 508 | $73,796,000 | $145,000 | $1,117,000 | $99,000 | $1,307,000 |
| FHA-insured (Federal Housing Administration) | 47 | $6,468,000 | $137,000 | $370,000 | $37,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,989,000 | $153,000 | $370,000 | $46,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,393,000 | $106,000 | $188,000 | $17,000 | $55,000 |
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 | 337 | $49,456,000 | $146,000 | $1,117,000 | $108,000 | $1,307,000 |
| Application Denied By Financial Institution | 132 | $17,081,000 | $129,000 | $580,000 | $61,000 | $355,000 |
| Application Withdrawn By Applicant | 73 | $11,482,000 | $157,000 | $841,000 | $78,000 | $348,000 |
| Loan Purchased By The Institution | 48 | $6,590,000 | $137,000 | $404,000 | $31,000 | $288,000 |
| File Closed For Incompleteness | 20 | $3,445,000 | $172,000 | $370,000 | $59,000 | $190,000 |
| Application Approved But Not Accepted | 16 | $1,592,000 | $99,000 | $222,000 | $82,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 28 | $3,928,000 | $140,000 | $580,000 | $49,000 | $152,000 |
| Collateral | 27 | $3,987,000 | $147,000 | $310,000 | $73,000 | $198,000 |
| Credit History | 26 | $2,466,000 | $94,000 | $190,000 | $67,000 | $200,000 |
| Credit Application Incomplete | 10 | $1,417,000 | $141,000 | $233,000 | $60,000 | $118,000 |
| Other | 5 | $407,000 | $81,000 | $174,000 | $60,000 | $128,000 |
| Employment History | 4 | $500,000 | $125,000 | $191,000 | $55,000 | $91,000 |
| Unverifiable Information | 3 | $449,000 | $149,000 | $355,000 | $201,000 | $355,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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