Florence County, WI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 95 mortgage applications in Florence County, WI totaling $15.7 million, down 34% from 2013. The average application was for $164,000, and applicants reported an average income of $102,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was Incrediblebank, with 16 applications, followed by Wells Fargo Bank NA and Covantage 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 | 95 |
| Total Mortgage Loan Application Amount | $15,659,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $890,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $824,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,006,768,000 | 16 | $ 2,572,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 14 | $ 2,320,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,091,202,000 | 7 | $ 605,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 7 | $ 669,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 3 | $ 349,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 485,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 3 | $ 471,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 3,913,622,000 | 2 | $ 304,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 1,780,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 2,014,304,000 | 2 | $ 80,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 2 | $ 1,765,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 286,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 282,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 189,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 60,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ 10,000,000 | 1 | $ 84,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Baylake Bank 217 N 4TH AVE STURGEON BAY, WI 54235 |
* | $ 996,595,000 | 1 | $ 60,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 171,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 456,942,000 | 1 | $ 50,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 23,864,142,000 | 1 | $ 5,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 1 | $ 16,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 128,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 38,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 124,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ 4,262,000 | 1 | $ 395,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 175,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 80,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 569,294,000 | 1 | $ 170,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 2,111,963,000 | 1 | $ 139,000 |
| Empower Credit Union 10635 W GREENFIELD AVENUE WEST ALLIS, WI 53214 |
* | $ 104,967,000 | 1 | $ 210,000 |
| Middleton Community Bank 3207 PARMENTER ST MIDDLETON, WI 53562 |
* | $ 254,372,000 | 1 | $ 103,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 246,270,000 | 1 | $ 120,000 |
The tables below break down 2014 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 2014
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 | 48 | $9,220,000 | $192,000 | $890,000 | $106,000 | $476,000 |
| Home Purchase | 41 | $5,966,000 | $145,000 | $454,000 | $99,000 | $824,000 |
| Home Improvement | 6 | $473,000 | $78,000 | $250,000 | $85,000 | $127,000 |
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 | 76 | $12,997,000 | $171,000 | $890,000 | $113,000 | $824,000 |
| Not Provided | 7 | $1,074,000 | $153,000 | $217,000 | $76,000 | $135,000 |
| Not applicable | 4 | $548,000 | $137,000 | $199,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $522,000 | $174,000 | $205,000 | $85,000 | $85,000 |
| Hispanic | 3 | $292,000 | $97,000 | $142,000 | $58,000 | $60,000 |
| Black or African American | 2 | $226,000 | $113,000 | $114,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 65 | $11,409,000 | $175,000 | $890,000 | $126,000 | $824,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,096,000 | $154,000 | $205,000 | $57,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $698,000 | $116,000 | $157,000 | $25,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 4 | $456,000 | $114,000 | $197,000 | $41,000 | $78,000 |
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 | 53 | $7,341,000 | $138,000 | $864,000 | $113,000 | $824,000 |
| Application Denied By Financial Institution | 16 | $3,531,000 | $220,000 | $890,000 | $89,000 | $300,000 |
| Application Withdrawn By Applicant | 14 | $1,801,000 | $128,000 | $205,000 | $78,000 | $221,000 |
| Loan Purchased By The Institution | 7 | $980,000 | $140,000 | $205,000 | $60,000 | $270,000 |
| File Closed For Incompleteness | 3 | $1,893,000 | $631,000 | $890,000 | $216,000 | $300,000 |
| Application Approved But Not Accepted | 2 | $113,000 | $56,000 | $75,000 | $36,000 | $60,000 |
| 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 | 6 | $1,872,000 | $312,000 | $890,000 | $130,000 | $300,000 |
| Debt-To-Income Ratio | 4 | $327,000 | $81,000 | $197,000 | $46,000 | $78,000 |
| Credit History | 1 | $60,000 | $60,000 | $60,000 | $43,000 | $43,000 |
| Unverifiable Information | 1 | $114,000 | $114,000 | $114,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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