Florence County, WI Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 161 mortgage applications in Florence County, WI totaling $22.6 million, down 2% from 2011. The average application was for $140,000, and applicants reported an average income of $107,000. 61% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 38 applications, followed by Incrediblebank and Associated Bank NA.
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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 | 161 |
| Total Mortgage Loan Application Amount | $22,618,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $840,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $890,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 38 | $ 5,453,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 984,440,000 | 12 | $ 1,197,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 10 | $ 1,278,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 944,232,000 | 5 | $ 1,331,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 596,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 662,257,000 | 4 | $ 533,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 503,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 357,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 3 | $ 226,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 503,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 384,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 466,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 803,603,000 | 3 | $ 200,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 1,587,453,000 | 2 | $ 89,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 1,427,501,000 | 2 | $ 431,000 |
| Baylake Bank 217 N 4TH AVE STURGEON BAY, WI 54235 |
* | $ 1,087,747,000 | 2 | $ 130,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 286,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 2 | $ 366,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 211,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 110,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 251,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 417,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 165,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 149,000 |
| National Exchange Bank and Trust 130 SOUTH MAIN STREET FOND DU LAC, WI 54936 |
* | $ 1,273,731,000 | 1 | $ 260,000 |
| Monona Bank 5515 MONONA DRIVE MONONA, WI 53716 |
* | $ 343,542,000 | 1 | $ 275,000 |
| Middleton Community Bank 3207 PARMENTER ST MIDDLETON, WI 53562 |
* | $ 218,136,000 | 1 | $ 101,000 |
| Wolf River Community Bank 309 E MAIN ST HORTONVILLE, WI 54944 |
* | $ 126,610,000 | 1 | $ 50,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 298,000 |
| Choice Bank 2450 WITZEL AVENUE OSHKOSH, WI 54904 |
* | $ 175,010,000 | 1 | $ 77,000 |
| Spring Bank 16620 W BLUEMOUND RD SUITE 100 BROOKFIELD, WI 53005 |
* | $ 132,944,000 | 1 | $ 205,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 220,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 288,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 101,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 3,067,409,000 | 1 | $ 205,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 1 | $ 120,000 |
| Westbury Bank 200 S MAIN ST WEST BEND, WI 53095 |
* | $ 577,592,000 | 1 | $ 223,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,144,525,000 | 1 | $ 164,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 1 | $ 365,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 102,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 163,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 111,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 159,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 165,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 111,000 |
| Alpine Bank & Trust Co. 1700 N ALPINE RD ROCKFORD, IL 61107 |
* | $ 1,038,968,000 | 1 | $ 4,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 56,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,423,017,000 | 1 | $ 159,000 |
| Layton State Bank 10427 W. LINCOLN AVE WEST ALLIS, WI 53227 |
* | $ 135,917,000 | 1 | $ 150,000 |
| Cleveland State Bank 1250 W. WASHINGTON AVE CLEVELAND, WI 53015 |
* | $ 93,267,000 | 1 | $ 115,000 |
| Oxford Bank 60 S WASHINGTON ST OXFORD, MI 48371 |
* | $ 264,303,000 | 1 | $ 393,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 193,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 498,255,000 | 1 | $ 131,000 |
| Guardian Credit Union 4501 W GREENFIELD AVE MILWAUKEE, WI 53214 |
* | $ 232,742,000 | 1 | $ 100,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ 1,319,071,000 | 1 | $ 41,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 365,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 1,778,441,000 | 1 | $ 228,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 426,033,000 | 1 | $ 25,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ 417,556,000 | 1 | $ 16,000 |
| Kohler Credit Union 905 S TAYLOR DR SHEBOYGAN, WI 53083 |
* | $ 249,882,000 | 1 | $ 235,000 |
The tables below break down 2012 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 2012
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 | 136 | $20,015,000 | $147,000 | $840,000 | $111,000 | $890,000 |
| Home Purchase | 18 | $2,056,000 | $114,000 | $200,000 | $77,000 | $213,000 |
| Home Improvement | 7 | $547,000 | $78,000 | $145,000 | $93,000 | $124,000 |
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 | 128 | $17,606,000 | $137,000 | $840,000 | $107,000 | $890,000 |
| Not applicable | 13 | $2,121,000 | $163,000 | $365,000 | $52,000 | $252,000 |
| Not Provided | 13 | $1,929,000 | $148,000 | $368,000 | $113,000 | $642,000 |
| American Indian or Alaskan Native | 2 | $96,000 | $48,000 | $56,000 | $92,000 | $118,000 |
| Hispanic | 2 | $214,000 | $107,000 | $114,000 | $261,000 | $332,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $170,000 | $170,000 | $170,000 | $55,000 | $55,000 |
| Asian | 1 | $128,000 | $128,000 | $128,000 | $213,000 | $213,000 |
| Black or African American | 1 | $354,000 | $354,000 | $354,000 | $350,000 | $350,000 |
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) | 136 | $19,201,000 | $141,000 | $840,000 | $116,000 | $890,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,768,000 | $147,000 | $259,000 | $53,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,403,000 | $127,000 | $190,000 | $61,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $246,000 | $123,000 | $161,000 | $43,000 | $61,000 |
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 | 99 | $13,471,000 | $136,000 | $840,000 | $110,000 | $642,000 |
| Application Denied By Financial Institution | 25 | $3,629,000 | $145,000 | $368,000 | $121,000 | $686,000 |
| Loan Purchased By The Institution | 17 | $2,557,000 | $150,000 | $365,000 | $53,000 | $252,000 |
| Application Withdrawn By Applicant | 14 | $2,165,000 | $154,000 | $298,000 | $130,000 | $890,000 |
| File Closed For Incompleteness | 5 | $616,000 | $123,000 | $200,000 | $82,000 | $208,000 |
| Application Approved But Not Accepted | 1 | $180,000 | $180,000 | $180,000 | $183,000 | $183,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 12 | $1,920,000 | $160,000 | $368,000 | $182,000 | $686,000 |
| Credit History | 4 | $330,000 | $82,000 | $101,000 | $86,000 | $233,000 |
| Credit Application Incomplete | 2 | $203,000 | $101,000 | $102,000 | $96,000 | $98,000 |
| Unverifiable Information | 2 | $572,000 | $286,000 | $363,000 | $64,000 | $128,000 |
| Debt-To-Income Ratio | 1 | $13,000 | $13,000 | $13,000 | $37,000 | $37,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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