Buffalo County, WI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 359 mortgage applications in Buffalo County, WI totaling $65.0 million, up 26% from 2023. The average application was for $180,000, and applicants reported an average income of $101,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was Royal Credit Union, with 39 applications, followed by Merchants Bank, National Association and Altra Federal 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 | 359 |
| Total Mortgage Loan Application Amount | $64,955,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $853,000 |
* 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 |
|---|---|---|---|---|
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 39 | $ 5,295,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 36 | $ 6,290,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 20 | $ 3,000,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 18 | $ 4,290,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ n/a | 16 | $ 1,780,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ n/a | 10 | $ 2,050,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,785,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 1,945,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 9 | $ 1,375,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 1,810,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ n/a | 7 | $ 1,325,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 7 | $ 1,765,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,885,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 590,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,070,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 835,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 4 | $ 1,940,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 480,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 4 | $ 750,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 4 | $ 970,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 4 | $ 640,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 3 | $ 235,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 385,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 3 | $ 305,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 395,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 365,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 725,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 3 | $ 285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 195,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 455,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 300,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 550,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 470,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 80,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 100,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 2 | $ 250,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ n/a | 2 | $ 200,000 |
| Security Financial Bank 212 W PROSPECT STREET DURAND, WI 54736 |
* | $ n/a | 2 | $ 910,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 280,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 2 | $ 110,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 410,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 490,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 290,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 80,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 2 | $ 300,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 2 | $ 80,000 |
| Simplicity Credit Union 222 E UPHAM ST MARSHFIELD, WI 54449 |
* | $ n/a | 2 | $ 360,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 340,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 225,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 1 | $ 85,000 |
| Citizens State Bank of Loyal 400 N MAIN STREET PO BOX 218 LOYAL, WI 54446 |
* | $ n/a | 1 | $ 115,000 |
| Partners Bank of Wisconsin 907 NORTH CENTRAL AVE., PO BOX 730 MARSHFIELD, WI 54449 |
* | $ n/a | 1 | $ 155,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 95,000 |
| Foresight Bank 138 WEST BROADWAY PLAINVIEW, MN 55964 |
* | $ n/a | 1 | $ 155,000 |
| Profinium, Inc. 105 LAKE AVE. PO BOX 848 FAIRMONT, MN 56031 |
* | $ n/a | 1 | $ 55,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 685,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 245,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ n/a | 1 | $ 95,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 225,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 175,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ n/a | 1 | $ 135,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 75,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 265,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ n/a | 1 | $ 25,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ n/a | 1 | $ 165,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 235,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 15,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 385,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ n/a | 1 | $ 65,000 |
| Westby Co-Op Credit Union 501 N MAIN ST WESTBY, WI 54667 |
* | $ n/a | 1 | $ 75,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ n/a | 1 | $ 505,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 1 | $ 115,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 1 | $ 305,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ n/a | 1 | $ 75,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 185,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 545,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 3,005,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ n/a | 1 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 225,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 1 | $ 75,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 65,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 385,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ n/a | 1 | $ 105,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ n/a | 1 | $ 115,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 65,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 245,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 315,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 135,000 |
| Citizens First Bank 101 S MAIN ST VIROQUA, WI 54665 |
* | $ n/a | 1 | $ 325,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 295,000 |
| Academy Bank, N.A. 8551 NORTH BOARDWALK AVE KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2024 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 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 | 161 | $35,105,000 | $218,000 | $775,000 | $107,000 | $853,000 |
| Cash-out Refinancing | 64 | $10,220,000 | $159,000 | $555,000 | $78,000 | $189,000 |
| Refinancing | 54 | $10,610,000 | $196,000 | $685,000 | $108,000 | $347,000 |
| Other Purpose | 48 | $7,070,000 | $147,000 | $3,005,000 | $102,000 | $459,000 |
| Home Improvement | 32 | $1,950,000 | $60,000 | $255,000 | $108,000 | $370,000 |
| 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 | 297 | $52,665,000 | $177,000 | $3,005,000 | $104,000 | $853,000 |
| Not applicable | 29 | $6,865,000 | $236,000 | $685,000 | $52,000 | $52,000 |
| Not Provided | 27 | $4,095,000 | $151,000 | $365,000 | $68,000 | $149,000 |
| Hispanic | 3 | $665,000 | $221,000 | $375,000 | $81,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $365,000 | $365,000 | $365,000 | $154,000 | $154,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $69,000 | $69,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $81,000 | $81,000 |
| 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) | 283 | $48,605,000 | $171,000 | $3,005,000 | $105,000 | $853,000 |
| FHA-insured (Federal Housing Administration) | 37 | $7,565,000 | $204,000 | $305,000 | $69,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 37 | $8,235,000 | $222,000 | $555,000 | $90,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $550,000 | $275,000 | $295,000 | $80,000 | $90,000 |
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 | 221 | $39,905,000 | $180,000 | $775,000 | $109,000 | $853,000 |
| Application Denied By Financial Institution | 46 | $5,470,000 | $118,000 | $345,000 | $69,000 | $189,000 |
| Application Withdrawn By Applicant | 42 | $10,650,000 | $253,000 | $3,005,000 | $101,000 | $459,000 |
| Loan Purchased By The Institution | 22 | $4,340,000 | $197,000 | $385,000 | $52,000 | $52,000 |
| File Closed For Incompleteness | 18 | $3,120,000 | $173,000 | $555,000 | $105,000 | $179,000 |
| Application Approved But Not Accepted | 10 | $1,470,000 | $147,000 | $435,000 | $84,000 | $144,000 |
| 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 | 305 | $57,365,000 | $188,000 | $3,005,000 | $104,000 | $853,000 |
| Debt-To-Income Ratio | 21 | $3,615,000 | $172,000 | $505,000 | $108,000 | $588,000 |
| Credit History | 15 | $2,015,000 | $134,000 | $295,000 | $78,000 | $189,000 |
| Collateral | 6 | $750,000 | $125,000 | $205,000 | $76,000 | $129,000 |
| Credit Application Incomplete | 5 | $545,000 | $109,000 | $225,000 | $65,000 | $183,000 |
| Other | 4 | $340,000 | $85,000 | $175,000 | $78,000 | $111,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $142,000 | $142,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $67,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $29,000 | $29,000 |
| 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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