Buffalo County, WI Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 450 mortgage applications in Buffalo County, WI totaling $75.3 million, down 28% from 2021. The average application was for $167,000, and applicants reported an average income of $94,000. 62% of applications resulted in an originated loan and 15% were denied. The most active lender was Merchants Bank, National Association, with 38 applications, followed by Royal Credit Union and Altra Federal Credit Union.

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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 450
Total Mortgage Loan Application Amount $75,260,000
Average Mortgage Loan Application Amount $167,000
Highest Mortgage Loan Application Amount $1,195,000
Average Applicant Income $94,000
Highest Applicant Income $1,268,000

Mortgage Company List for Lending in Buffalo 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
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,820,664,000 38 $ 5,140,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,046,578,000 38 $ 4,730,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,190,390,000 36 $ 4,320,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,929,230,000 23 $ 3,285,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 18 $ 4,170,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,046,374,000 17 $ 2,085,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ 580,393,000 15 $ 2,675,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 11 $ 1,625,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,739,119,000 11 $ 2,015,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 1,455,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 8 $ 1,850,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 8 $ 810,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 7 $ 1,505,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 3,746,301,000 7 $ 565,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 7 $ 2,285,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 1,340,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 471,074,000 6 $ 1,690,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 945,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 975,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 1,255,000
Bluff View Bank
16893 SOUTH MAIN STREET
GALESVILLE, WI 54630
* $ 130,718,000 5 $ 895,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 5 $ 845,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 775,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 860,000
Security Financial Bank
212 W PROSPECT STREET
DURAND, WI 54736
* $ 863,797,000 4 $ 1,420,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 630,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 9,729,918,000 4 $ 700,000
Citizens First Bank
101 S MAIN ST
VIROQUA, WI 54665
* $ 276,698,000 3 $ 445,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 565,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 4,833,920,000 3 $ 125,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,432,330,000 3 $ 835,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 1,553,593,000 3 $ 525,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 16,499,164,000 3 $ 505,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 3 $ 525,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ 478,650,000 3 $ 735,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 735,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 3 $ 335,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 865,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 2 $ 170,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 190,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 150,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 320,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 390,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 4,830,582,000 2 $ 420,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 460,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 2 $ 430,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 280,000
Capital Credit Union
PO BOX 2526
GREEN BAY, WI 54306
* $ 2,209,339,000 2 $ 230,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 330,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 500,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 110,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 230,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 2 $ 80,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 410,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 300,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 185,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ 103,655,000 1 $ 105,000
1st Community Credit Union
1000 W. WISCONSIN STREET
SPARTA, WI 54656
* $ 223,317,000 1 $ 135,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 1 $ 185,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 295,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 941,811,000 1 $ 155,000
Simplicity Credit Union
222 E UPHAM ST
MARSHFIELD, WI 54449
* $ 427,678,000 1 $ 55,000
Forward Bank
1001 N CENTRAL AVE
MARSHFIELD, WI 54449
* $ 863,320,000 1 $ 145,000
Security Bank
PO BOX 278
NEW AUBURN, WI 54757
* $ 149,624,000 1 $ 35,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 185,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 1 $ 85,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 495,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 2,730,710,000 1 $ 75,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 155,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 115,000
River Bank
145 N MAIN ST, P.O. BOX 280
STODDARD, WI 54658
* $ 1,052,811,000 1 $ 155,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 1,068,836,000 1 $ 305,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 1 $ 1,195,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 707,159,000 1 $ 95,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 105,000
Peoples State Bank of Plainview
100 4TH AVE SE
PLAINVIEW, MN 55964
* $ 341,590,000 1 $ 125,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 1,064,401,000 1 $ 85,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 870,500,000 1 $ 75,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 3,979,767,000 1 $ 45,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 1 $ 115,000
Kohler Credit Union
905 S TAYLOR DR
SHEBOYGAN, WI 53083
* $ 570,391,000 1 $ 185,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 205,000
The Northwestern Bank
202 N. BRIDGE ST. PO BOX 49
CHIPPEWA FALLS, WI 54729
* $ 646,563,000 1 $ 165,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 55,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 465,517,000 1 $ 475,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 305,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 65,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 305,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 185,000
Citizens State Bank
620 MAIN STREET
LA CROSSE, WI 54601
* $ 451,795,000 1 $ 55,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 135,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 505,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 6,111,597,000 1 $ 25,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 235,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 185,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 3,390,640,000 1 $ 135,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 165,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 1 $ 115,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 245,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 1 $ 665,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 105,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 601,143,000 1 $ 175,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 135,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 55,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 195,000
Laona State Bank
5308 BEECH ST
LAONA, WI 54541
* $ 279,902,000 1 $ 255,000

The tables below break down 2022 mortgage applications in Buffalo 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 Buffalo 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 189 $38,295,000 $202,000 $1,125,000 $92,000 $750,000
Cash-out Refinancing 101 $17,935,000 $177,000 $475,000 $75,000 $329,000
Refinancing 78 $11,930,000 $152,000 $505,000 $92,000 $406,000
Other Purpose 41 $4,275,000 $104,000 $1,195,000 $146,000 $1,268,000
Home Improvement 41 $2,825,000 $68,000 $265,000 $93,000 $267,000
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 377 $62,055,000 $164,000 $1,195,000 $94,000 $1,268,000
Not Provided 42 $6,240,000 $148,000 $415,000 $80,000 $338,000
Not applicable 24 $5,390,000 $224,000 $495,000 $0 $0
Hispanic 3 $435,000 $145,000 $165,000 $61,000 $108,000
American Indian or Alaskan Native 2 $880,000 $440,000 $665,000 $419,000 $750,000
Black or African American 1 $175,000 $175,000 $175,000 $60,000 $60,000
Asian 0 $0 $0 $0 $0 $0
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) 354 $57,700,000 $162,000 $1,195,000 $101,000 $1,268,000
VA-guaranteed (Veterans Administration) 45 $9,105,000 $202,000 $435,000 $63,000 $137,000
FHA-insured (Federal Housing Administration) 40 $6,720,000 $168,000 $325,000 $59,000 $118,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,735,000 $157,000 $225,000 $45,000 $67,000

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 279 $46,455,000 $166,000 $1,195,000 $103,000 $1,268,000
Application Denied By Financial Institution 68 $9,230,000 $135,000 $435,000 $59,000 $210,000
Application Withdrawn By Applicant 58 $10,680,000 $184,000 $1,125,000 $93,000 $593,000
File Closed For Incompleteness 17 $2,345,000 $137,000 $415,000 $82,000 $267,000
Loan Purchased By The Institution 17 $4,125,000 $242,000 $495,000 $0 $0
Application Approved But Not Accepted 11 $2,425,000 $220,000 $615,000 $89,000 $139,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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 371 $64,095,000 $172,000 $1,195,000 $97,000 $1,268,000
Debt-To-Income Ratio 29 $4,355,000 $150,000 $435,000 $97,000 $652,000
Credit History 15 $2,275,000 $151,000 $305,000 $69,000 $199,000
Collateral 10 $1,170,000 $117,000 $215,000 $66,000 $162,000
Other 9 $1,205,000 $133,000 $225,000 $76,000 $210,000
Unverifiable Information 6 $510,000 $85,000 $165,000 $57,000 $85,000
Insufficient Cash (Downpayment, Closing Cost) 4 $840,000 $210,000 $415,000 $56,000 $79,000
Credit Application Incomplete 4 $480,000 $120,000 $145,000 $29,000 $35,000
Employment History 2 $330,000 $165,000 $215,000 $25,000 $50,000
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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