Buffalo County, WI Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 285 mortgage applications in Buffalo County, WI totaling $46.3 million, down 37% from 2022. The average application was for $162,000, and applicants reported an average income of $94,000. 63% of applications resulted in an originated loan and 15% were denied. The most active lender was Merchants Bank, National Association, with 29 applications, followed by Royal Credit Union and Westconsin 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 | 285 |
| Total Mortgage Loan Application Amount | $46,345,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $561,000 |
* 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 |
|---|---|---|---|---|
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,576,574,000 | 29 | $ 4,455,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,552,579,000 | 25 | $ 2,785,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 1,937,869,000 | 15 | $ 2,155,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 2,555,530,000 | 12 | $ 1,880,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 1,815,328,000 | 11 | $ 2,175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 10 | $ 2,070,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 10 | $ 1,530,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 9 | $ 1,065,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 8 | $ 1,810,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 4,078,225,000 | 8 | $ 910,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 7 | $ 1,185,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ 546,306,000 | 7 | $ 1,145,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 810,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 1,040,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 5 | $ 505,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 715,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 500,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ 497,759,000 | 4 | $ 450,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 4 | $ 590,000 |
| Prevail Bank 675 E BROADWAY AVE MEDFORD, WI 54451 |
* | $ 931,741,000 | 3 | $ 835,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 345,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 665,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 3 | $ 585,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 3 | $ 565,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,096,108,000 | 3 | $ 325,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 542,602,000 | 3 | $ 435,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 210,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 98,179,000 | 2 | $ 470,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 8,748,360,000 | 2 | $ 570,000 |
| Security Financial Bank 212 W PROSPECT STREET DURAND, WI 54736 |
* | $ 828,402,000 | 2 | $ 310,000 |
| Westby Co-Op Credit Union 501 N MAIN ST WESTBY, WI 54667 |
* | $ 834,153,000 | 2 | $ 100,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 380,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 620,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 230,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 120,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 310,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 310,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 440,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 255,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 2,170,641,000 | 1 | $ 125,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 395,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 1 | $ 355,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 155,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 75,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 135,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 195,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 135,000 |
| First Security Bank 316 BYRON AVE N BYRON, MN 55920 |
* | $ 105,274,000 | 1 | $ 845,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 345,000 |
| First Federal Bank of Kansas City LENEXA, KS 66211 |
* | $ 934,570,000 | 1 | $ 105,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 5,145,209,000 | 1 | $ 195,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 235,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 205,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 275,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 95,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 708,340,000 | 1 | $ 25,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 245,000 |
| The Northwestern Bank 202 N. BRIDGE ST. PO BOX 49 CHIPPEWA FALLS, WI 54729 |
* | $ 607,078,000 | 1 | $ 45,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 375,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 155,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 165,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 15,939,263,000 | 1 | $ 75,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 444,412,000 | 1 | $ 125,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 305,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 205,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 185,000 |
The tables below break down 2023 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 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 | 155 | $32,225,000 | $207,000 | $845,000 | $99,000 | $561,000 |
| Cash-out Refinancing | 55 | $7,385,000 | $134,000 | $305,000 | $78,000 | $216,000 |
| Other Purpose | 33 | $2,705,000 | $81,000 | $355,000 | $103,000 | $276,000 |
| Refinancing | 21 | $2,825,000 | $134,000 | $415,000 | $85,000 | $185,000 |
| Home Improvement | 21 | $1,205,000 | $57,000 | $135,000 | $89,000 | $198,000 |
| 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 | 218 | $34,130,000 | $156,000 | $595,000 | $95,000 | $561,000 |
| Not Provided | 32 | $6,120,000 | $191,000 | $845,000 | $93,000 | $192,000 |
| Not applicable | 19 | $3,325,000 | $175,000 | $365,000 | $33,000 | $33,000 |
| Hispanic | 8 | $1,230,000 | $153,000 | $355,000 | $78,000 | $136,000 |
| Asian | 3 | $745,000 | $248,000 | $275,000 | $85,000 | $110,000 |
| Black or African American | 3 | $475,000 | $158,000 | $215,000 | $76,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $320,000 | $160,000 | $215,000 | $37,000 | $37,000 |
| 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) | 219 | $33,645,000 | $153,000 | $845,000 | $97,000 | $561,000 |
| FHA-insured (Federal Housing Administration) | 43 | $7,965,000 | $185,000 | $355,000 | $86,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,475,000 | $213,000 | $395,000 | $74,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $260,000 | $130,000 | $165,000 | $58,000 | $80,000 |
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 | 179 | $29,035,000 | $162,000 | $845,000 | $100,000 | $561,000 |
| Application Denied By Financial Institution | 43 | $5,855,000 | $136,000 | $375,000 | $69,000 | $192,000 |
| Application Withdrawn By Applicant | 30 | $6,560,000 | $218,000 | $485,000 | $102,000 | $276,000 |
| Loan Purchased By The Institution | 15 | $2,555,000 | $170,000 | $305,000 | $33,000 | $33,000 |
| File Closed For Incompleteness | 9 | $1,075,000 | $119,000 | $285,000 | $80,000 | $150,000 |
| Application Approved But Not Accepted | 8 | $1,090,000 | $136,000 | $385,000 | $89,000 | $183,000 |
| Preapproval Approved but not Accepted | 1 | $175,000 | $175,000 | $175,000 | $81,000 | $81,000 |
| 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 | 238 | $39,130,000 | $164,000 | $595,000 | $98,000 | $561,000 |
| Debt-To-Income Ratio | 18 | $3,390,000 | $188,000 | $845,000 | $81,000 | $175,000 |
| Credit History | 13 | $1,635,000 | $125,000 | $305,000 | $72,000 | $192,000 |
| Collateral | 8 | $1,010,000 | $126,000 | $215,000 | $60,000 | $81,000 |
| Other | 3 | $375,000 | $125,000 | $185,000 | $65,000 | $93,000 |
| Unverifiable Information | 2 | $430,000 | $215,000 | $255,000 | $97,000 | $120,000 |
| Employment History | 2 | $190,000 | $95,000 | $185,000 | $87,000 | $92,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $93,000 | $93,000 |
| 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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