Waupaca County, WI Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,916 mortgage applications in Waupaca County, WI totaling $337.4 million, up 13% from 2023. The average application was for $176,000, and applicants reported an average income of $96,000. 64% of applications resulted in an originated loan and 13% were denied. The most active lender was Community First Credit Union, with 286 applications, followed by Fox Communities Credit Union and Covantage 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 1,916
Total Mortgage Loan Application Amount $337,420,000
Average Mortgage Loan Application Amount $176,000
Highest Mortgage Loan Application Amount $25,205,000
Average Applicant Income $96,000
Highest Applicant Income $2,121,000

Mortgage Company List for Lending in Waupaca County, WI for 2024

* 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
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ n/a 286 $ 32,460,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ n/a 145 $ 13,985,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ n/a 120 $ 37,050,000
Bank First N.A.
402 N 8TH ST
MANITOWOC, WI 54220
* $ n/a 75 $ 11,535,000
Premier Community Bank
230 MAVIS ROAD
MARION, WI 54950
* $ n/a 58 $ 6,870,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 54 $ 10,260,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 50 $ 6,010,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 39 $ 7,035,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 39 $ 8,375,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 35 $ 6,075,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 35 $ 8,185,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 34 $ 7,070,000
Wolf River Community Bank
309 E MAIN ST
HORTONVILLE, WI 54944
* $ n/a 33 $ 4,465,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 33 $ 8,745,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ n/a 32 $ 3,010,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 29 $ 6,055,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 29 $ 4,325,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 23 $ 6,285,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 22 $ 2,420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 21 $ 655,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 20 $ 4,800,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 19 $ 1,125,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 18 $ 2,230,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ n/a 18 $ 6,630,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 18 $ 670,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 17 $ 1,915,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 17 $ 3,345,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ n/a 16 $ 2,260,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 16 $ 2,090,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 15 $ 3,895,000
Home State Bank National Association
40 GRANT STREET
CRYSTAL LAKE, IL 60014
* $ n/a 15 $ 2,565,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 14 $ 2,020,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ n/a 12 $ 1,940,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 12 $ 2,920,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 11 $ 495,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 2,335,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ n/a 10 $ 12,630,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 10 $ 1,790,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 1,715,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 9 $ 1,485,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 9 $ 565,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ n/a 8 $ 3,390,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 8 $ 1,140,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 8 $ 2,590,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 8 $ 1,780,000
Prospera Credit Union
4830 N BALLARD RD
APPLETON, WI 54913
* $ n/a 7 $ 1,165,000
East Wisconsin Savings Bank
109 W 2ND ST
KAUKAUNA, WI 54130
* $ n/a 7 $ 1,195,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 7 $ 1,235,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 705,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 7 $ 1,155,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ n/a 6 $ 1,330,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ n/a 6 $ 590,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 6 $ 1,080,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ n/a 6 $ 650,000
West Pointe Bank
1750 WITZEL AVE
OSHKOSH, WI 54902
* $ n/a 6 $ 890,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 215,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 5 $ 1,005,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 5 $ 965,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 5 $ 265,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 5 $ 895,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 5 $ 555,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 5 $ 935,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 195,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ n/a 5 $ 1,885,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 5 $ 6,345,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 865,000
North Shore Bank
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ n/a 5 $ 765,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 5 $ 735,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ n/a 4 $ 890,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 4 $ 460,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 820,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 4 $ 860,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 4 $ 170,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 4 $ 660,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 4 $ 680,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 4 $ 540,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 4 $ 270,000
Unison Credit Union
PO BOX 260
KAUKAUNA, WI 54130
* $ n/a 4 $ 1,320,000
Agcountry Farm Credit Services, Flca
1900 44TH ST S - PO BOX 6020
FARGO, ND 58108
* $ n/a 3 $ 385,000
Fox Valley Savings Bank
51 EAST FIRST STREET
FOND DU LAC, WI 54935
* $ n/a 3 $ 545,000
Blc Community Bank
206 E MAIN ST
LITTLE CHUTE, WI 54140
* $ n/a 3 $ 475,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 3 $ 1,025,000
Bristol Morgan Bank
103 S. MAIN ST., PO BOX 128
OAKFIELD, WI 53065
* $ n/a 3 $ 295,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 445,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 3 $ 695,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 3 $ 985,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 3 $ 185,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 3 $ 415,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 345,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 825,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 3 $ 365,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 3 $ 555,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 745,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 3 $ 275,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 3 $ 575,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 3 $ 1,415,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ n/a 2 $ 220,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 520,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 2 $ 290,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 180,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 170,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 710,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 2 $ 160,000
Fortifi Bank
140 W. HURON ST/PO BOX 310
BERLIN, WI 54923
* $ n/a 2 $ 500,000
Peoples State Bank
P O BOX 1686, 1905 STEWART AVE
WAUSAU, WI 54401
* $ n/a 2 $ 860,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 210,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 2 $ 580,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ n/a 2 $ 710,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 160,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 210,000
American National Bank Fox Cities
2200 N RICHMOND ST
APPLETON, WI 54911
* $ n/a 2 $ 430,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 560,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 2 $ 620,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 2 $ 2,040,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 2 $ 620,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 560,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 430,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 2 $ 50,000
Abbybank
401 E SPRUCE STREET PO BOX 648
ABBOTSFORD, WI 54405
* $ n/a 2 $ 640,000
Winnebago Community Credit Union
567 E SNELL RD
OSHKOSH, WI 54901
* $ n/a 2 $ 820,000
Htlf Bank
1800 LARIMER ST #1800
DENVER, CO 80202
* $ n/a 2 $ 370,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 205,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ n/a 1 $ 225,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 195,000
Greenstone Farm Credit Services
5285 W US-223
EAST LANSING, MI 48823
* $ n/a 1 $ 25,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ n/a 1 $ 35,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ n/a 1 $ 165,000
Thompson Kane & Company, Inc
8020 EXCELSIOR DRIVE SUITE 401
MADISON, WI 53717
* $ n/a 1 $ 375,000
Accunet Mortgage LLC
13000 W SILVER SPRING DR.
WAUKESHA, WI 53188
* $ n/a 1 $ 635,000
First National Bank and Trust
345 E GRAND AVE
BELOIT, WI 53511
* $ n/a 1 $ 185,000
Point Mortgage Corp
864 AMENA COURT
CHULA VISTA, CA 91910
* $ n/a 1 $ 325,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 165,000
Evergreen Credit Union
1500 W AMERICAN DR
NEENAH, WI 54956
* $ n/a 1 $ 35,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 1 $ 125,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 765,000
Wisconsin Mortgage Corporation
PO BOX 942
BROOKFIELD, WI 53008
* $ n/a 1 $ 435,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 175,000
Empower Credit Union
10635 W GREENFIELD AVENUE
WEST ALLIS, WI 53214
* $ n/a 1 $ 105,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 145,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 325,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ n/a 1 $ 55,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 25,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 155,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 275,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 85,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 175,000
Brokaw Credit Union
2006 SCHOFIELD AVE
WESTON, WI 54476
* $ n/a 1 $ 55,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ n/a 1 $ 205,000
Pcm Credit Union
601 WILLARD DRIVE
GREEN BAY, WI 54304
* $ n/a 1 $ 155,000
Lake Ridge Bank
1205 MAIN STREET
MONONA, WI 53713
* $ n/a 1 $ 115,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 535,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 255,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 185,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ n/a 1 $ 255,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 255,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 1 $ 65,000
Range Bank
100 N FRONT ST
MARQUETTE, MI 49855
* $ n/a 1 $ 435,000
Churchill Funding I LLC
3220 WILKINSON BLVD UNIT A4
CHARLOTTE, NC 28203
* $ n/a 1 $ 405,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 145,000
The First National Bank of River Falls
104 EAST LOCUST STREET
RIVER FALLS, WI 54022
* $ n/a 1 $ 85,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 115,000
Horicon Bank
326 E LAKE ST, PO BOX 144
HORICON, WI 53032
* $ n/a 1 $ 195,000
Intercity State Bank
962 GRAND AVE
SCHOFIELD, WI 54476
* $ n/a 1 $ 85,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 115,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 1 $ 155,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 235,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ n/a 1 $ 135,000

The tables below break down 2024 mortgage applications in Waupaca 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 Waupaca 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 793 $203,155,000 $256,000 $25,205,000 $99,000 $2,020,000
Cash-out Refinancing 362 $59,780,000 $165,000 $1,365,000 $90,000 $2,121,000
Other Purpose 327 $20,545,000 $62,000 $535,000 $92,000 $409,000
Refinancing 279 $44,455,000 $159,000 $825,000 $95,000 $645,000
Home Improvement 150 $8,980,000 $59,000 $505,000 $106,000 $857,000
Not Applicable 5 $505,000 $101,000 $295,000 $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 1,502 $231,910,000 $154,000 $1,315,000 $98,000 $2,121,000
Not Provided 192 $26,790,000 $139,000 $1,365,000 $87,000 $500,000
Not applicable 151 $69,285,000 $458,000 $25,205,000 $140,000 $140,000
Hispanic 48 $6,780,000 $141,000 $535,000 $80,000 $174,000
Black or African American 10 $1,430,000 $143,000 $325,000 $84,000 $172,000
American Indian or Alaskan Native 7 $665,000 $95,000 $245,000 $66,000 $85,000
Asian 5 $395,000 $79,000 $95,000 $81,000 $96,000
Native Hawaiian or Other Pacific Islander 1 $165,000 $165,000 $165,000 $68,000 $68,000

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) 1,524 $255,050,000 $167,000 $25,205,000 $100,000 $2,121,000
FHA-insured (Federal Housing Administration) 207 $37,815,000 $182,000 $485,000 $73,000 $200,000
VA-guaranteed (Veterans Administration) 151 $38,185,000 $252,000 $575,000 $87,000 $205,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $6,370,000 $187,000 $345,000 $74,000 $128,000

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 1,224 $230,900,000 $188,000 $25,205,000 $100,000 $1,896,000
Application Denied By Financial Institution 248 $30,350,000 $122,000 $1,365,000 $72,000 $438,000
Application Withdrawn By Applicant 189 $35,395,000 $187,000 $1,275,000 $112,000 $2,121,000
Loan Purchased By The Institution 117 $22,775,000 $194,000 $575,000 $73,000 $134,000
Application Approved But Not Accepted 67 $9,015,000 $134,000 $1,205,000 $94,000 $480,000
File Closed For Incompleteness 57 $6,075,000 $106,000 $365,000 $79,000 $250,000
Preapproval Denied by Financial Institution 8 $1,270,000 $158,000 $205,000 $45,000 $102,000
Preapproval Approved but not Accepted 6 $1,640,000 $273,000 $425,000 $106,000 $208,000

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 1,547 $290,255,000 $187,000 $25,205,000 $101,000 $2,121,000
Debt-To-Income Ratio 184 $23,940,000 $130,000 $535,000 $77,000 $222,000
Credit History 79 $8,915,000 $112,000 $1,365,000 $72,000 $236,000
Collateral 41 $4,945,000 $120,000 $635,000 $83,000 $438,000
Credit Application Incomplete 34 $4,260,000 $125,000 $385,000 $72,000 $154,000
Other 18 $2,170,000 $120,000 $455,000 $81,000 $158,000
Unverifiable Information 4 $300,000 $75,000 $205,000 $49,000 $88,000
Employment History 4 $740,000 $185,000 $205,000 $50,000 $99,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,330,000 $332,000 $495,000 $145,000 $300,000
Mortgage Insurance Denied 1 $565,000 $565,000 $565,000 $180,000 $180,000

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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