Bayfield County, WI Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 503 mortgage applications in Bayfield County, WI totaling $86.3 million, down 34% from 2022. The average application was for $171,000, and applicants reported an average income of $120,000. 61% of applications resulted in an originated loan and 16% were denied. The most active lender was Superior Choice Credit Union, with 49 applications, followed by Northern State Bank and Chippewa Valley Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 503
Total Mortgage Loan Application Amount $86,285,000
Average Mortgage Loan Application Amount $171,000
Highest Mortgage Loan Application Amount $1,005,000
Average Applicant Income $120,000
Highest Applicant Income $1,055,000

Mortgage Company List for Lending in Bayfield County, WI for 2023

* 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
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 708,340,000 49 $ 5,575,000
Northern State Bank

AURORA, MN 55705
* $ 316,202,000 48 $ 6,620,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ 637,500,000 29 $ 5,235,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 25 $ 3,525,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 39,358,786,000 24 $ 2,950,000
Security State Bank
PO BOX 157
IRON RIVER, WI 54847
* $ 120,707,000 18 $ 2,410,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 15,939,263,000 16 $ 3,160,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 6,057,275,000 16 $ 3,950,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 2,420,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 10 $ 2,760,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 3,163,444,000 10 $ 1,690,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 9 $ 1,775,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,552,579,000 9 $ 1,175,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 6 $ 1,390,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,382,388,000 6 $ 870,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 6 $ 1,140,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 875,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 5 $ 1,315,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 399,856,000 5 $ 1,245,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 5,145,209,000 5 $ 985,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,937,869,000 5 $ 1,025,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 4 $ 640,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 8,422,113,000 4 $ 580,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 4 $ 710,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 4 $ 730,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 4 $ 360,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 1,248,794,000 4 $ 980,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ 212,280,000 4 $ 580,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 3 $ 395,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 255,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ 81,451,000 3 $ 805,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 12,493,973,000 3 $ 515,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 3 $ 505,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 3 $ 1,325,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 3 $ 175,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 355,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 465,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 3 $ 795,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 415,000
Centricity Credit Union
4477 LAVAQUE RD
DULUTH, MN 55811
* $ 236,874,000 3 $ 115,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ 2,635,396,000 3 $ 725,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 375,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 3 $ 915,000
Harbor Pointe Credit Union
PO BOX 161558
DULUTH, MN 55802
* $ 152,871,000 2 $ 510,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 340,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 4,614,668,000 2 $ 70,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,815,328,000 2 $ 340,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 4,078,225,000 2 $ 260,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 2 $ 90,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 2 $ 220,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,555,530,000 2 $ 290,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 650,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 2 $ 340,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 2,963,887,000 2 $ 70,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 730,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,034,078,000 2 $ 40,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 2 $ 150,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 370,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 2 $ 430,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 710,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 240,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 2 $ 600,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 255,000
Hometown Bank
1600 MONROE DRIVE
CARVER, MN 55315
* $ 539,421,000 1 $ 165,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 365,000
Peoples Savings Bank
414 N ADAMS ST
WELLSBURG, IA 50680
* $ 149,233,000 1 $ 125,000
Senb Bank
3535 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 337,371,000 1 $ 65,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 1 $ 105,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 1 $ 365,000
Sunrise Banks, N.A.

SIOUX FALLS, SD 57108
* $ 2,099,142,000 1 $ 605,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 6,105,252,000 1 $ 25,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 445,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 1 $ 105,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ 546,306,000 1 $ 65,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 355,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 1 $ 305,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 215,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 95,000
Unity Bank
207 W LINCOLN ST
AUGUSTA, WI 54722
* $ 590,521,000 1 $ 275,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 245,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 8,748,360,000 1 $ 185,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 1 $ 55,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ 3,121,954,000 1 $ 35,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 4,910,204,000 1 $ 605,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ -1,000 1 $ 975,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 1 $ 215,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 205,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,740,477,000 1 $ 485,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 315,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,576,574,000 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 145,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 115,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 85,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 6,224,510,000 1 $ 85,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 175,000
Castle Rock Bank
27925 DANVILLE AVENUE , PO BOX 518
CASTLE ROCK, MN 55010
* $ 280,367,000 1 $ 185,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ 93,135,000 1 $ 115,000
First National Community Bank
109 E. 2ND ST. PO BOX 89
NEW RICHMOND, WI 54017
* $ 300,835,000 1 $ 555,000
Citizens State Bank
375 STAGELINE RD
HUDSON, WI 54016
* $ 351,648,000 1 $ 315,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 55,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 427,321,000 1 $ 75,000
Security Bank
PO BOX 278
NEW AUBURN, WI 54757
* $ 154,195,000 1 $ 305,000
Miners Nb of Eveleth
401 GRANT AVE
EVELETH, MN 55734
* $ 91,913,000 1 $ 175,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 225,000
Hiawatha National Bank
N1555 770TH ST
HAGER CITY, WI 54014
* $ 634,681,000 1 $ 135,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 1,096,108,000 1 $ 365,000
The State Bank of Faribault
428 CENTRAL AVE N
FARIBAULT, MN 55021
* $ 285,774,000 1 $ 185,000
Governmental Employees Credit Union
225 LA CROSSE ST
LA CROSSE, WI 54601
* $ 98,179,000 1 $ 15,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ 705,542,000 1 $ 135,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 65,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 45,000

The tables below break down 2023 mortgage applications in Bayfield 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 Bayfield County, WI in 2023

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 225 $51,325,000 $228,000 $825,000 $143,000 $1,055,000
Cash-out Refinancing 76 $11,390,000 $149,000 $995,000 $79,000 $193,000
Home Improvement 68 $5,230,000 $76,000 $505,000 $111,000 $923,000
Other Purpose 66 $8,620,000 $130,000 $1,005,000 $132,000 $636,000
Refinancing 66 $9,630,000 $145,000 $975,000 $86,000 $448,000
Not Applicable 2 $90,000 $45,000 $65,000 $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 391 $67,805,000 $173,000 $1,005,000 $117,000 $1,055,000
Not Provided 59 $8,935,000 $151,000 $455,000 $132,000 $927,000
Not applicable 27 $5,305,000 $196,000 $825,000 $0 $0
American Indian or Alaskan Native 20 $2,670,000 $133,000 $295,000 $80,000 $171,000
Asian 4 $1,210,000 $302,000 $375,000 $430,000 $923,000
Hispanic 1 $305,000 $305,000 $305,000 $155,000 $155,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $193,000 $193,000
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) 441 $74,575,000 $169,000 $1,005,000 $127,000 $1,055,000
FHA-insured (Federal Housing Administration) 38 $5,910,000 $155,000 $375,000 $61,000 $140,000
VA-guaranteed (Veterans Administration) 23 $5,675,000 $246,000 $445,000 $86,000 $174,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $125,000 $125,000 $125,000 $43,000 $43,000

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 309 $53,265,000 $172,000 $825,000 $129,000 $923,000
Application Denied By Financial Institution 78 $13,030,000 $167,000 $1,005,000 $108,000 $1,055,000
Application Withdrawn By Applicant 72 $13,530,000 $187,000 $995,000 $112,000 $636,000
File Closed For Incompleteness 21 $2,455,000 $116,000 $345,000 $83,000 $270,000
Loan Purchased By The Institution 12 $1,800,000 $150,000 $305,000 $85,000 $113,000
Application Approved But Not Accepted 9 $1,655,000 $183,000 $335,000 $87,000 $150,000
Preapproval Approved but not Accepted 1 $305,000 $305,000 $305,000 $150,000 $150,000
Preapproval Denied by Financial Institution 1 $245,000 $245,000 $245,000 $67,000 $67,000

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 334 $58,590,000 $175,000 $995,000 $123,000 $923,000
Debt-To-Income Ratio 124 $20,350,000 $164,000 $825,000 $108,000 $1,055,000
Collateral 17 $3,595,000 $211,000 $1,005,000 $161,000 $624,000
Credit History 15 $1,545,000 $103,000 $365,000 $60,000 $142,000
Other 6 $890,000 $148,000 $215,000 $211,000 $927,000
Unverifiable Information 3 $905,000 $301,000 $505,000 $116,000 $164,000
Credit Application Incomplete 3 $355,000 $118,000 $185,000 $60,000 $75,000
Employment History 1 $55,000 $55,000 $55,000 $59,000 $59,000
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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