Florence County, WI Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 177 mortgage applications in Florence County, WI totaling $21.6 million, up 16% from 2018. The average application was for $121,000, and applicants reported an average income of $93,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Mbank, with 25 applications, followed by Covantage Credit Union and Flagstar 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 | 177 |
| Total Mortgage Loan Application Amount | $21,575,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $537,000 |
* 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 |
|---|---|---|---|---|
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 1,314,951,000 | 25 | $ 1,485,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,645,094,000 | 15 | $ 955,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 10 | $ 1,950,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,357,316,000 | 9 | $ 1,175,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 8 | $ 900,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 740,000 |
| Laona State Bank 5308 BEECH ST LAONA, WI 54541 |
* | $ 186,469,000 | 6 | $ 340,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 1,673,783,000 | 6 | $ 610,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,983,953,000 | 5 | $ 585,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 4 | $ 870,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 4 | $ 520,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ 1,993,670,000 | 4 | $ 200,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 3,095,694,000 | 3 | $ 785,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ 1,493,992,000 | 3 | $ 205,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 295,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 345,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 2 | $ 360,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 320,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 200,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 3,116,904,000 | 2 | $ 250,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 290,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 160,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 2 | $ 450,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 320,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 600,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 490,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 360,000 |
| Empower Credit Union 10635 W GREENFIELD AVENUE WEST ALLIS, WI 53214 |
* | $ 85,455,000 | 2 | $ 140,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 310,000 |
| Heartland Credit Union 5325 HIGH CROSSING BLVD MADISON, WI 53718 |
* | $ 288,430,000 | 1 | $ 195,000 |
| Tri City National Bank 6400 S 27TH ST OAK CREEK, WI 53154 |
* | $ 1,405,579,000 | 1 | $ 125,000 |
| State Bank of Chilton 26 E. MAIN ST PO BOX 149 CHILTON, WI 53014 |
* | $ 291,633,000 | 1 | $ 105,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 59,366,170,000 | 1 | $ 435,000 |
| Cleveland State Bank 1250 W. WASHINGTON AVE CLEVELAND, WI 53015 |
* | $ 122,386,000 | 1 | $ 15,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 205,000 |
| Peoples State Bank P O BOX 1686, 1905 STEWART AVE WAUSAU, WI 54402 |
* | $ 915,938,000 | 1 | $ 85,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 1 | $ 205,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 285,000 |
| Accunet Mortgage LLC 13000 W SILVER SPRING DR. WAUKESHA, WI 53188 |
* | $ -1,000 | 1 | $ 105,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 115,000 |
| Glacier Hills Credit Union 2150 S. MAIN STREET WEST BEND, WI 53095 |
* | $ 133,698,000 | 1 | $ 35,000 |
| Pcm Credit Union 601 WILLARD DRIVE GREEN BAY, WI 54304 |
* | $ 259,067,000 | 1 | $ 35,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 35,000 |
| N.E.W. Credit Union 301 JACKSON ST OCONTO FALLS, WI 54154 |
* | $ 103,141,000 | 1 | $ 55,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 3,224,170,000 | 1 | $ 105,000 |
| Nbw Bank 210 E MAIN ST WAUPUN, WI 53963 |
* | $ 159,175,000 | 1 | $ 115,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 75,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 285,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,389,689,000 | 1 | $ 125,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 7,690,612,000 | 1 | $ 305,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2019 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 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 90 | $11,760,000 | $130,000 | $485,000 | $98,000 | $328,000 |
| Refinancing | 37 | $4,535,000 | $122,000 | $505,000 | $71,000 | $248,000 |
| Cash-out Refinancing | 31 | $3,885,000 | $125,000 | $435,000 | $94,000 | $537,000 |
| Other Purpose | 10 | $560,000 | $56,000 | $155,000 | $106,000 | $430,000 |
| Home Improvement | 5 | $465,000 | $93,000 | $305,000 | $124,000 | $359,000 |
| Not Applicable | 4 | $370,000 | $92,000 | $225,000 | $0 | $0 |
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 | 154 | $18,610,000 | $120,000 | $505,000 | $89,000 | $537,000 |
| Not Provided | 12 | $1,700,000 | $141,000 | $285,000 | $148,000 | $430,000 |
| Not applicable | 10 | $1,140,000 | $114,000 | $285,000 | $0 | $0 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $145,000 | $145,000 |
| 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) | 151 | $17,855,000 | $118,000 | $505,000 | $96,000 | $537,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,960,000 | $163,000 | $295,000 | $92,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,085,000 | $120,000 | $165,000 | $58,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $675,000 | $135,000 | $175,000 | $57,000 | $67,000 |
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 | 114 | $14,040,000 | $123,000 | $505,000 | $96,000 | $430,000 |
| Application Denied By Financial Institution | 24 | $2,570,000 | $107,000 | $435,000 | $87,000 | $537,000 |
| Application Withdrawn By Applicant | 20 | $2,660,000 | $133,000 | $295,000 | $89,000 | $207,000 |
| Loan Purchased By The Institution | 10 | $1,500,000 | $150,000 | $285,000 | $135,000 | $135,000 |
| Application Approved But Not Accepted | 5 | $455,000 | $91,000 | $205,000 | $105,000 | $242,000 |
| File Closed For Incompleteness | 3 | $325,000 | $108,000 | $165,000 | $8,000 | $8,000 |
| Preapproval Denied by Financial Institution | 1 | $25,000 | $25,000 | $25,000 | $30,000 | $30,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 149 | $18,805,000 | $126,000 | $505,000 | $95,000 | $430,000 |
| Debt-To-Income Ratio | 10 | $920,000 | $92,000 | $215,000 | $58,000 | $104,000 |
| Collateral | 8 | $1,030,000 | $128,000 | $435,000 | $138,000 | $537,000 |
| Credit History | 7 | $435,000 | $62,000 | $125,000 | $57,000 | $109,000 |
| Other | 2 | $250,000 | $125,000 | $135,000 | $57,000 | $67,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $130,000 | $130,000 |
| Unverifiable Information | 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 |
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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