Florence County, WI Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 168 mortgage applications in Florence County, WI totaling $19.7 million, up 10% from 2015. The average application was for $117,000, and applicants reported an average income of $73,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Covantage Credit Union, with 22 applications, followed by Wells Fargo Bank NA and Incrediblebank.
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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 | 168 |
| Total Mortgage Loan Application Amount | $19,678,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $810,000 |
* 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 |
|---|---|---|---|---|
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,248,405,000 | 22 | $ 1,492,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 16 | $ 2,008,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,064,708,000 | 16 | $ 2,052,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,349,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 736,116,000 | 9 | $ 575,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 6 | $ 712,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 5 | $ 865,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 27,567,209,000 | 4 | $ 440,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 1,198,541,000 | 4 | $ 565,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 408,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 304,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 104,121,677,000 | 3 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 3 | $ 344,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 2 | $ 39,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 2 | $ 844,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 57,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 302,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ 1,142,720,000 | 2 | $ 235,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 2 | $ 124,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,500,976,000 | 2 | $ 204,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 293,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 197,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 2 | $ 16,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 2 | $ 170,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,358,315,000 | 1 | $ 125,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 149,000 |
| Gateway Mortgage Corporation 6501 GREEN BAY ROAD KENOSHA, WI 53142 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 107,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 1 | $ 121,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 103,000 |
| Peoples State Bank P O BOX 1686, 1905 STEWART AVE WAUSAU, WI 54402 |
* | $ 784,058,000 | 1 | $ 198,000 |
| Stephenson National Bank & Trust 1820 HALL AVE MARINETTE, WI 54143 |
* | $ 465,176,000 | 1 | $ 46,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 139,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 159,000 |
| First National Bank of Waupaca 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 541,257,000 | 1 | $ 5,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 220,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 158,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 176,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 121,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,173,696,000 | 1 | $ 148,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 2,076,988,000 | 1 | $ 123,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 2,345,139,000 | 1 | $ 172,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 150,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Kohler Credit Union 905 S TAYLOR DR SHEBOYGAN, WI 53083 |
* | $ 307,251,000 | 1 | $ 83,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 385,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 1 | $ 219,000 |
| The Port Washington State Bank 206 N FRANKLIN ST PORT WASHINGTON, WI 53074 |
* | $ 516,726,000 | 1 | $ 100,000 |
| Farmers & Merchants State Bank 210 W. MADISON ST. WATERLOO, WI 53594 |
* | $ 168,348,000 | 1 | $ 245,000 |
| Bank of Luxemburg 630 MAIN ST LUXEMBURG, WI 54217 |
* | $ 279,349,000 | 1 | $ 95,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 172,000 |
The tables below break down 2016 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 2016
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 | 97 | $11,582,000 | $119,000 | $341,000 | $63,000 | $810,000 |
| Home Purchase | 59 | $7,611,000 | $129,000 | $700,000 | $89,000 | $340,000 |
| Home Improvement | 12 | $485,000 | $40,000 | $123,000 | $71,000 | $182,000 |
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 | 141 | $16,056,000 | $113,000 | $385,000 | $78,000 | $810,000 |
| Not Provided | 12 | $1,267,000 | $105,000 | $341,000 | $72,000 | $188,000 |
| Not applicable | 11 | $2,000,000 | $181,000 | $700,000 | $18,000 | $93,000 |
| Hispanic | 2 | $246,000 | $123,000 | $125,000 | $62,000 | $62,000 |
| American Indian or Alaskan Native | 1 | $88,000 | $88,000 | $88,000 | $42,000 | $42,000 |
| Black or African American | 1 | $21,000 | $21,000 | $21,000 | $25,000 | $25,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 128 | $14,956,000 | $116,000 | $700,000 | $82,000 | $810,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,710,000 | $135,000 | $220,000 | $45,000 | $127,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,584,000 | $113,000 | $221,000 | $40,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $428,000 | $71,000 | $115,000 | $39,000 | $50,000 |
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 | 94 | $11,492,000 | $122,000 | $700,000 | $93,000 | $810,000 |
| Application Denied By Financial Institution | 30 | $3,113,000 | $103,000 | $250,000 | $48,000 | $188,000 |
| Application Withdrawn By Applicant | 19 | $2,050,000 | $107,000 | $341,000 | $60,000 | $178,000 |
| Loan Purchased By The Institution | 13 | $1,630,000 | $125,000 | $190,000 | $24,000 | $93,000 |
| Application Approved But Not Accepted | 8 | $1,085,000 | $135,000 | $332,000 | $45,000 | $103,000 |
| File Closed For Incompleteness | 4 | $308,000 | $77,000 | $138,000 | $58,000 | $106,000 |
| 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 | 7 | $456,000 | $65,000 | $100,000 | $37,000 | $85,000 |
| Credit Application Incomplete | 4 | $318,000 | $79,000 | $143,000 | $44,000 | $91,000 |
| Collateral | 2 | $237,000 | $118,000 | $210,000 | $107,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $149,000 | $149,000 | $149,000 | $37,000 | $37,000 |
| Other | 1 | $18,000 | $18,000 | $18,000 | $17,000 | $17,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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