Washburn County, WI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 654 mortgage applications in Washburn County, WI totaling $136.5 million, up 13% from 2023. The average application was for $208,000, and applicants reported an average income of $135,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Johnson Bank, with 37 applications, followed by Westconsin Credit Union and Royal 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 | 654 |
| Total Mortgage Loan Application Amount | $136,540,000 |
| Average Mortgage Loan Application Amount | $208,000 |
| Highest Mortgage Loan Application Amount | $1,565,000 |
| Average Applicant Income | $135,000 |
| Highest Applicant Income | $1,565,000 |
* 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 |
* | $ n/a | 37 | $ 7,565,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ n/a | 35 | $ 5,585,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 33 | $ 7,865,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 21 | $ 4,395,000 |
| Indianhead Credit Union 104 E MAPLE ST SPOONER, WI 54801 |
* | $ n/a | 21 | $ 3,675,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 20 | $ 5,460,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ n/a | 18 | $ 2,090,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 18 | $ 4,330,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 18 | $ 3,930,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 17 | $ 2,825,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 17 | $ 1,965,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 16 | $ 1,790,000 |
| Dairy State Bank 16 S MAIN STREET RICE LAKE, WI 54868 |
* | $ n/a | 14 | $ 2,340,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 12 | $ 3,000,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 12 | $ 2,900,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 12 | $ 2,710,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 11 | $ 2,095,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 10 | $ 1,340,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 10 | $ 2,940,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 9 | $ 1,915,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 8 | $ 550,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 7 | $ 1,335,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 705,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 1,340,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 1,810,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 2,110,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 6 | $ 2,070,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 6 | $ 1,290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 6 | $ 1,490,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 6 | $ 3,320,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 6 | $ 1,450,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 785,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ n/a | 5 | $ 1,365,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ n/a | 5 | $ 915,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,010,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 700,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 4 | $ 1,300,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 1,190,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 4 | $ 510,000 |
| Zippy Loans, LLC 2807 ALLEN ST DALLAS, TX 75204 |
* | $ n/a | 4 | $ 300,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 590,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 4 | $ 170,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,010,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 360,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 625,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 3 | $ 565,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 905,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 1,255,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 755,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 3 | $ 625,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 3 | $ 275,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 255,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 3 | $ 345,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 325,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 3 | $ 495,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 3 | $ 605,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 825,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 3 | $ 185,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 295,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 3 | $ 495,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 2 | $ 580,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 450,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 2 | $ 370,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 290,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 2 | $ 700,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 470,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 220,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 2 | $ 880,000 |
| Security Financial Bank 212 W PROSPECT STREET DURAND, WI 54736 |
* | $ n/a | 2 | $ 1,410,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 2 | $ 410,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 2 | $ 150,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 220,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 230,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 640,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 545,000 |
| Sunrise Banks, N.A. SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 325,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ n/a | 1 | $ 125,000 |
| Peoples State Bank P O BOX 1686, 1905 STEWART AVE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 165,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 325,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 175,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 295,000 |
| Citizens First Bank 101 S MAIN ST VIROQUA, WI 54665 |
* | $ n/a | 1 | $ 235,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 365,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 575,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 805,000 |
| The First National Bank of River Falls 104 EAST LOCUST STREET RIVER FALLS, WI 54022 |
* | $ n/a | 1 | $ 55,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ n/a | 1 | $ 55,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ n/a | 1 | $ 205,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ n/a | 1 | $ 175,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 105,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ n/a | 1 | $ 55,000 |
| First Community Credit Union of Beloit 1702 PARK AVE BELOIT, WI 53511 |
* | $ n/a | 1 | $ 195,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ n/a | 1 | $ 545,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 705,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 115,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 55,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 235,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 175,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 245,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ n/a | 1 | $ 65,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 255,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 225,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 235,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 115,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ n/a | 1 | $ 295,000 |
| Pillar Bank 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ n/a | 1 | $ 45,000 |
| Citizens State Bank 375 STAGELINE RD HUDSON, WI 54016 |
* | $ n/a | 1 | $ 1,105,000 |
| Security State Bank of Marine 120 JUDD STREET MARINE ON ST CROIX, MN 55047 |
* | $ n/a | 1 | $ 285,000 |
| Ameritrust Mortgage Corporation FLOWER MOUND, TX 75022 |
* | $ n/a | 1 | $ 255,000 |
| Eagle Rock Bank 975 34TH AVE NW ROCHESTER, MN 55901 |
* | $ n/a | 1 | $ 225,000 |
| First State Bank and Trust 950 N HWY BAYPORT, MN 55003 |
* | $ n/a | 1 | $ 655,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 265,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 85,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 155,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ n/a | 1 | $ 1,555,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 275,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 105,000 |
| Profinium, Inc. 105 LAKE AVE. PO BOX 848 FAIRMONT, MN 56031 |
* | $ n/a | 1 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 215,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 235,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 215,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 285,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ n/a | 1 | $ 105,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 175,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ n/a | 1 | $ 445,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 1 | $ 345,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 275,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 255,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ n/a | 1 | $ 375,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 105,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ n/a | 1 | $ 245,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ n/a | 1 | $ 415,000 |
The tables below break down 2024 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 2024
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 | 307 | $83,205,000 | $271,000 | $1,555,000 | $159,000 | $1,565,000 |
| Cash-out Refinancing | 116 | $19,200,000 | $165,000 | $725,000 | $85,000 | $340,000 |
| Home Improvement | 83 | $8,005,000 | $96,000 | $755,000 | $125,000 | $434,000 |
| Other Purpose | 77 | $8,415,000 | $109,000 | $465,000 | $127,000 | $657,000 |
| Refinancing | 71 | $17,715,000 | $249,000 | $1,565,000 | $141,000 | $620,000 |
| 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 | 528 | $110,150,000 | $208,000 | $1,565,000 | $133,000 | $1,565,000 |
| Not Provided | 61 | $11,215,000 | $183,000 | $1,505,000 | $137,000 | $1,374,000 |
| Not applicable | 50 | $12,860,000 | $257,000 | $825,000 | $513,000 | $1,435,000 |
| Hispanic | 6 | $960,000 | $160,000 | $415,000 | $155,000 | $300,000 |
| American Indian or Alaskan Native | 5 | $505,000 | $101,000 | $175,000 | $55,000 | $65,000 |
| Asian | 2 | $570,000 | $285,000 | $285,000 | $49,000 | $49,000 |
| Black or African American | 2 | $280,000 | $140,000 | $205,000 | $165,000 | $179,000 |
| 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) | 531 | $110,195,000 | $207,000 | $1,565,000 | $145,000 | $1,565,000 |
| FHA-insured (Federal Housing Administration) | 58 | $9,830,000 | $169,000 | $325,000 | $55,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 52 | $13,500,000 | $259,000 | $725,000 | $103,000 | $463,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $3,015,000 | $231,000 | $305,000 | $79,000 | $108,000 |
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 | 391 | $85,965,000 | $219,000 | $1,555,000 | $147,000 | $1,565,000 |
| Application Denied By Financial Institution | 107 | $14,365,000 | $134,000 | $635,000 | $97,000 | $1,055,000 |
| Application Withdrawn By Applicant | 71 | $18,235,000 | $256,000 | $1,505,000 | $131,000 | $1,374,000 |
| Loan Purchased By The Institution | 36 | $8,440,000 | $234,000 | $705,000 | $513,000 | $1,435,000 |
| File Closed For Incompleteness | 28 | $4,730,000 | $168,000 | $575,000 | $88,000 | $183,000 |
| Application Approved But Not Accepted | 19 | $4,335,000 | $228,000 | $1,565,000 | $135,000 | $585,000 |
| Preapproval Approved but not Accepted | 2 | $470,000 | $235,000 | $245,000 | $58,000 | $60,000 |
| 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 | 506 | $112,500,000 | $222,000 | $1,565,000 | $139,000 | $1,435,000 |
| Debt-To-Income Ratio | 74 | $14,640,000 | $197,000 | $1,385,000 | $129,000 | $1,565,000 |
| Collateral | 22 | $2,930,000 | $133,000 | $635,000 | $120,000 | $507,000 |
| Credit History | 22 | $2,410,000 | $109,000 | $485,000 | $98,000 | $360,000 |
| Credit Application Incomplete | 15 | $2,195,000 | $146,000 | $365,000 | $66,000 | $175,000 |
| Other | 9 | $1,085,000 | $120,000 | $305,000 | $236,000 | $1,055,000 |
| Unverifiable Information | 5 | $725,000 | $145,000 | $215,000 | $55,000 | $96,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $119,000 | $119,000 |
| 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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