Wisconsin
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 277,224
Total Mortgage Loan Application Amount $48,187,695,000
Average Mortgage Loan Application Amount $173,000
Highest Mortgage Loan Application Amount $56,000,000
Average Applicant Income $85,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for Wisconsin in 2016

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 144,850 $25,329,902,000 $174,000 $26,500,000 $86,000 $9,999,000
Home Purchase 114,556 $21,100,264,000 $184,000 $56,000,000 $83,000 $9,999,000
Home Improvement 17,818 $1,757,529,000 $98,000 $19,286,000 $87,000 $3,824,000

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 218,119 $36,389,963,000 $166,000 $29,100,000 $92,000 $9,999,000
Not applicable 22,021 $6,087,387,000 $276,000 $56,000,000 $19,000 $1,478,000
Not Provided 18,011 $2,962,315,000 $164,000 $6,000,000 $94,000 $9,999,000
Hispanic 7,528 $985,234,000 $130,000 $1,200,000 $65,000 $1,296,000
Black or African American 5,379 $661,244,000 $122,000 $2,000,000 $66,000 $4,507,000
Asian 4,594 $881,424,000 $191,000 $1,500,000 $102,000 $2,316,000
American Indian or Alaskan Native 1,225 $163,595,000 $133,000 $968,000 $69,000 $1,080,000
Native Hawaiin or Other Pacific Islander 347 $56,533,000 $162,000 $635,000 $96,000 $798,000

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) 218,412 $38,758,973,000 $177,000 $56,000,000 $96,000 $9,999,000
FHA-insured (Federal Housing Administration) 36,066 $5,382,496,000 $149,000 $29,980,000 $41,000 $2,040,000
VA-guaranteed (Veterans Administration) 17,843 $3,367,428,000 $188,000 $1,532,000 $49,000 $1,822,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4,903 $678,798,000 $138,000 $1,875,000 $39,000 $1,478,000

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 168,678 $30,345,673,000 $179,000 $56,000,000 $93,000 $9,999,000
Application Denied By Financial Institution 39,603 $6,052,073,000 $152,000 $29,400,000 $74,000 $9,999,000
Application Withdrawn By Applicant 27,932 $4,733,847,000 $169,000 $16,000,000 $87,000 $9,999,000
Loan Purchased By The Institution 26,613 $4,658,169,000 $175,000 $11,800,000 $48,000 $9,578,000
File Closed For Incompleteness 7,349 $1,142,988,000 $155,000 $6,000,000 $72,000 $2,500,000
Application Approved But Not Accepted 7,004 $1,249,169,000 $178,000 $18,675,000 $94,000 $6,949,000
Preapproval Approved but not Accepted 37 $5,362,000 $144,000 $417,000 $86,000 $203,000
Preapproval Denied by Financial Institution 8 $414,000 $51,000 $228,000 $49,000 $129,000

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
Credit History 7,082 $813,652,000 $114,000 $7,380,000 $75,000 $9,999,000
Debt-To-Income Ratio 6,443 $969,501,000 $150,000 $5,586,000 $55,000 $2,604,000
Collateral 5,586 $928,070,000 $166,000 $4,703,000 $95,000 $4,235,000
Credit Application Incomplete 2,676 $430,123,000 $160,000 $5,300,000 $81,000 $3,593,000
Other 1,910 $383,080,000 $200,000 $29,400,000 $77,000 $2,867,000
Unverifiable Information 719 $112,746,000 $156,000 $1,720,000 $96,000 $5,400,000
Insufficient Cash (Downpayment, Closing Cost) 661 $105,813,000 $160,000 $1,250,000 $72,000 $960,000
Employment History 473 $62,229,000 $131,000 $748,000 $57,000 $708,000
Mortgage Insurance Denied 39 $5,065,000 $129,000 $425,000 $68,000 $164,000
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Mortgage Loan Application Totals in 2016 by Wisconsin Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
APPLETON, WI 13,116 $ 1,929,351,000 $ 147,000 $ 76,000
EAU CLAIRE, WI 7,249 $ 1,162,682,000 $ 160,000 $ 78,000
FOND DU LAC, WI 4,322 $ 594,938,000 $ 137,000 $ 74,000
GREEN BAY, WI 17,059 $ 2,612,867,000 $ 153,000 $ 77,000
JANESVILLE-BELOIT, WI 7,495 $ 995,547,000 $ 132,000 $ 68,000
LA CROSSE-ONALASKA, WI-MN 5,256 $ 887,842,000 $ 168,000 $ 79,000
MADISON, WI 33,324 $ 7,502,652,000 $ 225,000 $ 98,000
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 73,613 $ 14,968,370,000 $ 203,000 $ 93,000
OSHKOSH-NEENAH, WI 8,100 $ 1,112,503,000 $ 137,000 $ 72,000
RACINE, WI 9,207 $ 1,446,426,000 $ 157,000 $ 74,000
SHEBOYGAN, WI 5,494 $ 732,042,000 $ 133,000 $ 77,000
WAUSAU, WI 6,510 $ 914,079,000 $ 140,000 $ 77,000
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Mortgage Loan Application Totals in 2016 by Wisconsin County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adams 1,057 $ 124,827,000 $ 118,000 $ 83,000
Ashland 553 $ 60,114,000 $ 108,000 $ 73,000
Barron 1,895 $ 249,874,000 $ 131,000 $ 76,000
Bayfield 920 $ 134,073,000 $ 145,000 $ 89,000
Brown 13,736 $ 2,174,408,000 $ 158,000 $ 77,000
Buffalo 339 $ 50,117,000 $ 147,000 $ 89,000
Burnett 1,116 $ 162,599,000 $ 145,000 $ 96,000
Calumet 2,927 $ 434,475,000 $ 148,000 $ 82,000
Chippewa 3,026 $ 454,186,000 $ 150,000 $ 81,000
Clark 1,162 $ 143,118,000 $ 123,000 $ 84,000
Columbia 3,221 $ 545,820,000 $ 169,000 $ 81,000
Crawford 439 $ 53,688,000 $ 122,000 $ 67,000
Dane 27,254 $ 6,516,927,000 $ 239,000 $ 102,000
Dodge 3,511 $ 523,894,000 $ 149,000 $ 73,000
Door 1,846 $ 380,443,000 $ 206,000 $ 132,000
Douglas 1,981 $ 260,665,000 $ 131,000 $ 70,000
Dunn 1,655 $ 244,984,000 $ 148,000 $ 72,000
Eau Claire 4,230 $ 708,872,000 $ 167,000 $ 76,000
Florence 168 $ 19,678,000 $ 117,000 $ 73,000
Fond du Lac 4,346 $ 596,721,000 $ 137,000 $ 73,000
Forest 439 $ 51,687,000 $ 117,000 $ 89,000
Grant 1,449 $ 192,796,000 $ 133,000 $ 68,000
Green 1,855 $ 284,626,000 $ 153,000 $ 77,000
Green Lake 767 $ 111,974,000 $ 145,000 $ 94,000
Iowa 1,137 $ 180,813,000 $ 159,000 $ 85,000
Iron 294 $ 38,536,000 $ 131,000 $ 90,000
Jackson 629 $ 84,115,000 $ 133,000 $ 68,000
Jefferson 3,787 $ 635,374,000 $ 167,000 $ 74,000
Juneau 865 $ 112,766,000 $ 130,000 $ 73,000
Kenosha 8,123 $ 1,335,761,000 $ 164,000 $ 81,000
Kewaunee 991 $ 128,621,000 $ 129,000 $ 73,000
La Crosse 5,268 $ 889,398,000 $ 168,000 $ 79,000
Lafayette 587 $ 82,028,000 $ 139,000 $ 77,000
Langlade 1,229 $ 110,143,000 $ 89,000 $ 62,000
Lincoln 1,233 $ 153,250,000 $ 124,000 $ 66,000
Manitowoc 3,502 $ 420,397,000 $ 120,000 $ 69,000
Marathon 6,534 $ 916,675,000 $ 140,000 $ 77,000
Marinette 1,860 $ 217,161,000 $ 116,000 $ 67,000
Marquette 864 $ 100,925,000 $ 116,000 $ 67,000
Menominee 120 $ 15,286,000 $ 127,000 $ 108,000
Milwaukee 34,678 $ 5,866,992,000 $ 169,000 $ 78,000
Monroe 1,364 $ 181,519,000 $ 133,000 $ 63,000
Oconto 2,460 $ 325,907,000 $ 132,000 $ 74,000
Oneida 2,426 $ 403,544,000 $ 166,000 $ 103,000
Outagamie 10,383 $ 1,519,982,000 $ 146,000 $ 74,000
Ozaukee 5,508 $ 1,362,447,000 $ 247,000 $ 119,000
Pepin 214 $ 30,329,000 $ 141,000 $ 83,000
Pierce 2,133 $ 401,270,000 $ 188,000 $ 82,000
Polk 2,631 $ 414,069,000 $ 157,000 $ 82,000
Portage 2,225 $ 323,100,000 $ 145,000 $ 78,000
Price 642 $ 71,390,000 $ 111,000 $ 67,000
Racine 9,217 $ 1,448,178,000 $ 157,000 $ 74,000
Richland 483 $ 69,014,000 $ 142,000 $ 80,000
Rock 7,504 $ 996,595,000 $ 132,000 $ 68,000
Rusk 533 $ 64,565,000 $ 121,000 $ 94,000
Sauk 2,714 $ 449,705,000 $ 165,000 $ 81,000
Sawyer 1,042 $ 180,455,000 $ 173,000 $ 116,000
Shawano 2,080 $ 245,643,000 $ 118,000 $ 67,000
Sheboygan 5,499 $ 732,693,000 $ 133,000 $ 77,000
St. Croix 6,098 $ 1,280,498,000 $ 209,000 $ 90,000
Taylor 1,417 $ 156,117,000 $ 110,000 $ 73,000
Trempealeau 927 $ 139,351,000 $ 150,000 $ 81,000
Vernon 696 $ 103,958,000 $ 149,000 $ 84,000
Vilas 1,760 $ 338,090,000 $ 192,000 $ 116,000
Walworth 5,838 $ 1,221,014,000 $ 209,000 $ 111,000
Washburn 786 $ 126,448,000 $ 160,000 $ 114,000
Washington 8,537 $ 1,726,942,000 $ 202,000 $ 90,000
Waukesha 24,967 $ 6,026,531,000 $ 241,000 $ 110,000
Waupaca 2,804 $ 343,651,000 $ 122,000 $ 67,000
Waushara 1,157 $ 144,563,000 $ 124,000 $ 73,000
Winnebago 8,186 $ 1,121,808,000 $ 137,000 $ 72,000
Wood 1,981 $ 259,936,000 $ 131,000 $ 70,000
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