In 2017, lenders reported 145 mortgage applications in Florence County, WI totaling $17.8 million, down 14% from 2016. The average application was for $122,000, and applicants reported an average income of $77,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Mbank, with 28 applications, followed by Covantage Credit Union and Wells Fargo 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 | 145 |
| Total Mortgage Loan Application Amount | $17,756,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $444,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $452,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 978,451,000 | 28 | $ 2,485,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,376,405,000 | 20 | $ 1,693,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 9 | $ 1,269,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,141,911,000 | 9 | $ 1,074,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 4 | $ 699,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 624,000 |
| Laona State Bank 5308 BEECH ST LAONA, WI 54541 |
* | $ 179,985,000 | 4 | $ 660,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 284,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 328,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 463,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 2 | $ 504,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 397,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 579,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 2,299,685,000 | 2 | $ 193,000 |
| Hometown Bank 80 SHEBOYGAN ST FOND DU LAC, WI 54935 |
* | $ 271,618,000 | 2 | $ 292,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 256,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 811,976,000 | 2 | $ 88,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 273,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 2,331,002,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 141,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 106,169,829,000 | 1 | $ 100,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 47,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 215,000 |
| Unitedone Credit Union 1117 S 10 ST MANITOWOC, WI 54220 |
* | $ 201,096,000 | 1 | $ 51,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 143,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 52,000 |
| Bank of Luxemburg 630 MAIN ST LUXEMBURG, WI 54217 |
* | $ 309,019,000 | 1 | $ 79,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 3,216,124,000 | 1 | $ 114,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,453,590,000 | 1 | $ 276,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 4,000 |
| Premier Community Bank 230 MAVIS ROAD MARION, WI 54950 |
* | $ 281,720,000 | 1 | $ 194,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ 1,313,174,000 | 1 | $ 86,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 114,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 120,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 144,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 66,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 1 | $ 200,000 |
| Empower Credit Union 10635 W GREENFIELD AVENUE WEST ALLIS, WI 53214 |
* | $ 92,754,000 | 1 | $ 90,000 |
| Glacier Hills Credit Union 2150 S. MAIN STREET WEST BEND, WI 53095 |
* | $ 113,822,000 | 1 | $ 54,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 147,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 92,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 211,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 104,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 2,619,356,000 | 1 | $ 62,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 172,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 29,070,880,000 | 1 | $ 162,000 |
| North Shore Bank FSB 15700 WEST BLUEMOUND ROAD BROOKFIELD, WI 53005 |
* | $ 1,876,569,000 | 1 | $ 120,000 |
| Waukesha State Bank 151 E ST PAUL AVE P.O. BOX 648 WAUKESHA, WI 53187 |
* | $ 981,468,000 | 1 | $ 311,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 1,260,750,000 | 1 | $ 117,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 395,570,000 | 1 | $ 218,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,163,952,000 | 1 | $ 113,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 63,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 79,000 |
The tables below break down 2017 mortgage applications in Florence County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 79 | $9,529,000 | $120,000 | $250,000 | $70,000 | $313,000 |
| Home Purchase | 58 | $7,434,000 | $128,000 | $444,000 | $86,000 | $452,000 |
| Home Improvement | 8 | $793,000 | $99,000 | $245,000 | $72,000 | $105,000 |
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 | 129 | $15,884,000 | $123,000 | $444,000 | $77,000 | $452,000 |
| Not Provided | 14 | $1,742,000 | $124,000 | $240,000 | $80,000 | $232,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $70,000 | $50,000 | $57,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 113 | $13,626,000 | $120,000 | $311,000 | $85,000 | $452,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,045,000 | $157,000 | $444,000 | $51,000 | $142,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,451,000 | $145,000 | $223,000 | $46,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $634,000 | $70,000 | $119,000 | $43,000 | $94,000 |
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 | 79 | $9,611,000 | $121,000 | $444,000 | $91,000 | $452,000 |
| Application Denied By Financial Institution | 31 | $3,145,000 | $101,000 | $204,000 | $50,000 | $232,000 |
| Application Withdrawn By Applicant | 24 | $3,821,000 | $159,000 | $252,000 | $72,000 | $140,000 |
| Application Approved But Not Accepted | 5 | $481,000 | $96,000 | $129,000 | $56,000 | $91,000 |
| Loan Purchased By The Institution | 4 | $542,000 | $135,000 | $200,000 | $65,000 | $101,000 |
| File Closed For Incompleteness | 2 | $156,000 | $78,000 | $90,000 | $66,000 | $68,000 |
| 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 | 4 | $505,000 | $126,000 | $155,000 | $46,000 | $74,000 |
| Credit Application Incomplete | 3 | $325,000 | $108,000 | $146,000 | $32,000 | $58,000 |
| Collateral | 2 | $284,000 | $142,000 | $170,000 | $152,000 | $232,000 |
| Credit History | 1 | $135,000 | $135,000 | $135,000 | $62,000 | $62,000 |
| 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 |
| 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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