Florence County, WI Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 164 mortgage applications in Florence County, WI totaling $22.8 million, down 1% from 2010. The average application was for $139,000, and applicants reported an average income of $89,000. 53% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank NA, with 25 applications, followed by M&I Marshall & Ilsley Bank and Incrediblebank.

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Total Number of Mortgage Applications 164
Total Mortgage Loan Application Amount $22,811,000
Average Mortgage Loan Application Amount $139,000
Highest Mortgage Loan Application Amount $410,000
Average Applicant Income $89,000
Highest Applicant Income $695,000

Mortgage Company List for Lending in Florence County, WI for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 25 $ 3,312,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 44,975,270,000 10 $ 1,015,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 955,794,000 8 $ 687,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 7 $ 1,153,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 6 $ 727,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 5 $ 1,014,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 881,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 861,291,000 4 $ 153,000
Community First Credit Union
1575 DRESANG WAY
NEENAH, WI 54956
* $ 1,446,925,000 4 $ 464,000
Fox Communities Credit Union
3401 E CALUMET STREET
APPLETON, WI 54913
* $ 760,863,000 4 $ 495,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 4 $ 677,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 729,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 21,813,152,000 4 $ 391,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 350,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 770,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 618,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,830,581,000 3 $ 420,000
Wisconsin Bank & Trust
119 JUNCTION RD
MADISON, WI 53717
* $ 474,366,000 3 $ 325,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 3 $ 569,000
Bank Mutual
4949 W BROWN DEER RD
MILWAUKEE, WI 53224
* $ 2,591,714,000 2 $ 450,000
Cleveland State Bank
1250 W. WASHINGTON AVE
CLEVELAND, WI 53015
* $ 85,198,000 2 $ 162,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 283,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ 1,373,060,000 2 $ 176,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 2 $ 44,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 2 $ 209,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 618,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 135,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 2 $ 202,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 197,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 202,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 517,000
Anchorbank FSB
25 WEST MAIN STREET
MADISON, WI 53703
* $ 3,588,391,000 2 $ 273,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 228,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 143,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 65,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 171,000
Onemain Financial Servi
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 68,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 88,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 348,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 1 $ 115,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ 2,125,772,000 1 $ 160,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 180,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ 12,837,000 1 $ 138,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 247,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 51,858,924,000 1 $ 69,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 145,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 348,000
Unitedone Credit Union
1117 S 10 ST
MANITOWOC, WI 54220
* $ 179,251,000 1 $ 41,000
Citizens Community Federal
2174 EASTRIDGE CENTER
EAU CLAIRE, WI 54701
* $ 580,338,000 1 $ 197,000
Westbury Bank
200 S MAIN ST
WEST BEND, WI 53095
* $ 625,060,000 1 $ 223,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,131,561,000 1 $ 144,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,709,977,000 1 $ 104,000
Baylake Bank
217 N 4TH AVE
STURGEON BAY, WI 54235
* $ 1,053,842,000 1 $ 66,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 494,772,000 1 $ 104,000
Guardian Credit Union
4501 W GREENFIELD AVE
MILWAUKEE, WI 53214
* $ 227,274,000 1 $ 127,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 1,539,768,000 1 $ 235,000
Middleton Community Bank
3207 PARMENTER ST
MIDDLETON, WI 53562
* $ 213,893,000 1 $ 101,000
Bank of Birmingham
33583 WOODWARD AVE
BIRMINGHAM, MI 48009
* $ 110,354,000 1 $ 285,000
Choice Bank
2450 WITZEL AVENUE
OSHKOSH, WI 54904
* $ 163,698,000 1 $ 165,000

The tables below break down 2011 mortgage applications in Florence 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 Florence County, WI in 2011

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 127 $17,516,000 $137,000 $410,000 $90,000 $695,000
Home Purchase 31 $4,722,000 $152,000 $348,000 $89,000 $287,000
Home Improvement 6 $573,000 $95,000 $205,000 $74,000 $152,000

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 139 $18,546,000 $133,000 $368,000 $88,000 $530,000
Not Provided 14 $2,568,000 $183,000 $410,000 $144,000 $695,000
Not applicable 10 $1,684,000 $168,000 $348,000 $35,000 $99,000
Hispanic 1 $13,000 $13,000 $13,000 $22,000 $22,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 0 $0 $0 $0 $0 $0
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) 134 $18,122,000 $135,000 $410,000 $95,000 $695,000
FHA-insured (Federal Housing Administration) 20 $2,982,000 $149,000 $274,000 $63,000 $297,000
VA-guaranteed (Veterans Administration) 9 $1,605,000 $178,000 $345,000 $63,000 $230,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $102,000 $102,000 $102,000 $30,000 $30,000

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 87 $11,437,000 $131,000 $370,000 $102,000 $695,000
Application Denied By Financial Institution 35 $5,354,000 $152,000 $410,000 $80,000 $230,000
Loan Purchased By The Institution 22 $3,150,000 $143,000 $348,000 $60,000 $357,000
Application Withdrawn By Applicant 12 $1,683,000 $140,000 $274,000 $89,000 $297,000
Application Approved But Not Accepted 5 $593,000 $118,000 $176,000 $65,000 $96,000
File Closed For Incompleteness 3 $594,000 $198,000 $288,000 $89,000 $107,000
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
Debt-To-Income Ratio 8 $926,000 $115,000 $247,000 $50,000 $109,000
Collateral 8 $1,478,000 $184,000 $410,000 $104,000 $230,000
Credit History 5 $421,000 $84,000 $169,000 $63,000 $100,000
Other 2 $161,000 $80,000 $148,000 $107,000 $192,000
Credit Application Incomplete 1 $288,000 $288,000 $288,000 $144,000 $144,000
Employment History 1 $78,000 $78,000 $78,000 $45,000 $45,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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