Washburn County, WI Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 800 mortgage applications in Washburn County, WI totaling $172.3 million, down 40% from 2021. The average application was for $215,000, and applicants reported an average income of $129,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Johnson Bank, with 62 applications, followed by Royal Credit Union and Indianhead 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 800
Total Mortgage Loan Application Amount $172,290,000
Average Mortgage Loan Application Amount $215,000
Highest Mortgage Loan Application Amount $3,605,000
Average Applicant Income $129,000
Highest Applicant Income $4,968,000

Mortgage Company List for Lending in Washburn County, WI for 2022

* 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
* $ 6,049,532,000 62 $ 14,240,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,046,578,000 41 $ 4,715,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ 88,178,000 39 $ 4,505,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 38 $ 7,060,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 37 $ 6,505,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,739,119,000 33 $ 7,515,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,929,230,000 26 $ 4,520,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 23 $ 3,865,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 22 $ 5,930,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ 743,791,000 22 $ 3,730,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 17 $ 4,025,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 16 $ 3,180,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,432,330,000 15 $ 2,925,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 14 $ 4,910,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 2,170,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 3,979,767,000 11 $ 2,305,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 11 $ 2,245,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 9 $ 1,585,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,575,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,505,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 16,499,164,000 8 $ 2,660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,450,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,195,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,605,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 6 $ 670,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 6 $ 1,580,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,370,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 5 $ 1,515,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 1,275,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 5 $ 1,295,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 9,729,918,000 5 $ 1,765,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 5 $ 895,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 5 $ 605,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 3,746,301,000 5 $ 265,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 5 $ 1,805,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ 669,658,000 4 $ 580,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 720,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 1,700,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 3,390,640,000 4 $ 2,800,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 7,846,662,000 4 $ 1,790,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 520,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 1,070,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 400,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 4,833,920,000 4 $ 240,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 1,900,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 2,730,710,000 4 $ 680,000
Charter Bank
1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701
* $ 1,136,168,000 3 $ 1,415,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 471,074,000 3 $ 395,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 3 $ 3,865,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 3 $ 625,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 3 $ 505,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 3 $ 595,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 3 $ 435,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ 2,937,545,000 3 $ 945,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 601,143,000 3 $ 695,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,046,374,000 3 $ 125,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 585,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 3 $ 915,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 3 $ 955,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 2 $ 950,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 1,948,614,000 2 $ 730,000
Westby Co-Op Credit Union
501 N MAIN ST
WESTBY, WI 54667
* $ 763,111,000 2 $ 100,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 490,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 1,197,655,000 2 $ 310,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 2 $ 160,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 240,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 2 $ 290,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 490,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 630,000
Foresight Bank
138 WEST BROADWAY
PLAINVIEW, MN 55964
* $ 308,678,000 2 $ 290,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 410,662,000 2 $ 510,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 390,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ 4,925,306,000 2 $ 320,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 2 $ 500,000
Security Bank
PO BOX 278
NEW AUBURN, WI 54757
* $ 149,624,000 2 $ 400,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 2 $ 440,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 220,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 400,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 320,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 2,224,529,000 2 $ 360,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 660,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ 863,797,000 2 $ 1,630,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 310,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 530,000
The Northwestern Bank
202 N. BRIDGE ST. PO BOX 49
CHIPPEWA FALLS, WI 54729
* $ 646,563,000 2 $ 960,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 4,830,582,000 2 $ 690,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 240,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 690,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 195,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 525,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 255,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 165,000
Citizens State Bank
304 N MAIN STREET
CADOTT, WI 54727
* $ 155,513,000 1 $ 165,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 781,244,000 1 $ 245,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,190,390,000 1 $ 345,000
Cedar Rapids Bank and Trust
500 1ST AVENUE NE SUITE 100
CEDAR RAPIDS, IA 52401
* $ 2,023,177,000 1 $ 395,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 95,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 155,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 305,000
Sharepoint Credit Union
5300 HYLAND GREENS DR
BLOOMINGTON, MN 55437
* $ 305,574,000 1 $ 45,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 1,553,593,000 1 $ 215,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ 3,058,640,000 1 $ 115,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 1,325,979,000 1 $ 115,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ 932,167,000 1 $ 205,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 7,686,307,000 1 $ 205,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 755,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 1 $ 155,000
Blueleaf Lending, LLC
112 S SANGAMON STREET 2ND FLOOR
CHICAGO, IL 60607
* $ -1,000 1 $ 415,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 265,000
National Cooperative Bank, N.A.
139 SOUTH HIGH STREET
HILLSBORO, OH 45133
* $ 3,166,603,000 1 $ 185,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 155,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 115,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 1 $ 245,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 1 $ 325,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 125,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ 3,167,797,000 1 $ 905,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ 427,678,000 1 $ 195,000
Mayo Employees Federal Credit Union
130 23RD AVE SW
ROCHESTER, MN 55902
* $ 1,406,857,000 1 $ 65,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 3,884,444,000 1 $ 115,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 225,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 35,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 135,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 305,000
Esb Bank
115 N HWY 44/76
CALEDONIA, MN 55921
* $ 153,762,000 1 $ 625,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 1 $ 235,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 1 $ 205,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 285,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 135,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 1 $ 855,000
Htlf Bank
1800 LARIMER ST STE 100
DENVER, CO 80202
* $ 2,696,695,000 1 $ 105,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 38,107,223,000 1 $ 775,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 235,000
Advia Credit Union
550 S RIVERVIEW DR
KALAMAZOO, MI 49009
* $ 2,694,606,000 1 $ 35,000
First National Bank and Trust
345 E GRAND AVE
BELOIT, WI 53511
* $ 1,545,562,000 1 $ 85,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 65,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 115,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 315,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 225,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 135,000
South Metro Federal Credit Uni
2573 CREDIT UNION DRIVE
PRIOR LAKE, MN 55372
* $ 179,168,000 1 $ 205,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 6,023,480,000 1 $ 755,000
Minnco Credit Union
235 WEST 1ST AVENUE
CAMBRIDGE, MN 55008
* $ 474,930,000 1 $ 255,000
Peoples State Bank of Plainview
100 4TH AVE SE
PLAINVIEW, MN 55964
* $ 341,590,000 1 $ 215,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 115,000
Miners Nb of Eveleth
401 GRANT AVE
EVELETH, MN 55734
* $ 91,425,000 1 $ 135,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 245,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 225,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 205,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ 216,826,000 1 $ 165,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 442,133,000 1 $ 775,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 2,697,669,000 1 $ 285,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ 580,393,000 1 $ 95,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,820,664,000 1 $ 275,000
One American Bank
515 S MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 345,640,000 1 $ 855,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 355,000

The tables below break down 2022 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 2022

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 347 $94,055,000 $271,000 $1,475,000 $153,000 $1,621,000
Cash-out Refinancing 188 $31,290,000 $166,000 $705,000 $82,000 $462,000
Refinancing 132 $27,410,000 $207,000 $3,605,000 $106,000 $721,000
Other Purpose 77 $13,085,000 $169,000 $3,155,000 $181,000 $4,968,000
Home Improvement 55 $6,265,000 $113,000 $485,000 $129,000 $426,000
Not Applicable 1 $185,000 $185,000 $185,000 $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 649 $129,145,000 $198,000 $1,475,000 $119,000 $1,621,000
Not Provided 81 $21,385,000 $264,000 $3,155,000 $219,000 $4,968,000
Not applicable 55 $19,165,000 $348,000 $3,605,000 $91,000 $145,000
Asian 6 $900,000 $150,000 $205,000 $83,000 $160,000
American Indian or Alaskan Native 5 $935,000 $187,000 $415,000 $136,000 $354,000
Hispanic 4 $760,000 $190,000 $245,000 $94,000 $159,000
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) 645 $143,025,000 $221,000 $3,605,000 $142,000 $4,968,000
FHA-insured (Federal Housing Administration) 84 $13,410,000 $159,000 $365,000 $63,000 $182,000
VA-guaranteed (Veterans Administration) 59 $13,935,000 $236,000 $1,145,000 $72,000 $216,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,920,000 $160,000 $265,000 $48,000 $84,000

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 457 $101,525,000 $222,000 $3,605,000 $139,000 $1,621,000
Application Denied By Financial Institution 118 $21,170,000 $179,000 $905,000 $89,000 $596,000
Application Withdrawn By Applicant 116 $23,600,000 $203,000 $3,155,000 $142,000 $4,968,000
Loan Purchased By The Institution 47 $13,435,000 $285,000 $1,145,000 $208,000 $386,000
File Closed For Incompleteness 40 $6,640,000 $166,000 $365,000 $86,000 $274,000
Application Approved But Not Accepted 19 $5,215,000 $274,000 $1,475,000 $130,000 $1,038,000
Preapproval Denied by Financial Institution 2 $400,000 $200,000 $205,000 $44,000 $63,000
Preapproval Approved but not Accepted 1 $305,000 $305,000 $305,000 $116,000 $116,000

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
Not applicable 637 $143,555,000 $225,000 $3,605,000 $138,000 $4,968,000
Debt-To-Income Ratio 82 $16,400,000 $200,000 $905,000 $104,000 $619,000
Credit History 32 $3,910,000 $122,000 $295,000 $75,000 $350,000
Collateral 29 $4,135,000 $142,000 $485,000 $86,000 $272,000
Other 9 $2,055,000 $228,000 $715,000 $181,000 $596,000
Credit Application Incomplete 5 $1,085,000 $217,000 $305,000 $80,000 $115,000
Unverifiable Information 3 $265,000 $88,000 $115,000 $29,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 2 $710,000 $355,000 $515,000 $143,000 $223,000
Employment History 1 $175,000 $175,000 $175,000 $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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