In 2019, lenders reported 530 mortgage applications in Forest County, WI totaling $59.4 million, up 3% from 2018. The average application was for $111,000, and applicants reported an average income of $90,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Covantage Credit Union, with 176 applications, followed by Laona State Bank 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 | 530 |
| Total Mortgage Loan Application Amount | $59,350,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $665,000 |
| 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 |
* | $ 1,645,094,000 | 176 | $ 16,420,000 |
| Laona State Bank 5308 BEECH ST LAONA, WI 54541 |
* | $ 186,469,000 | 69 | $ 6,395,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 41 | $ 2,805,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 3,095,694,000 | 11 | $ 1,005,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 9 | $ 1,125,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ 1,493,992,000 | 9 | $ 1,155,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 1,673,783,000 | 8 | $ 1,320,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 8 | $ 940,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 8 | $ 1,100,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 7 | $ 795,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 1,260,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 6 | $ 560,000 |
| Peoples State Bank P O BOX 1686, 1905 STEWART AVE WAUSAU, WI 54402 |
* | $ 915,938,000 | 5 | $ 865,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 695,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 753,826,000 | 5 | $ 495,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 630,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 660,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 4 | $ 690,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ 1,790,594,000 | 4 | $ 430,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 400,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 3,965,320,000 | 4 | $ 140,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 4 | $ 430,000 |
| National Exchange Bank and Trust 130 SOUTH MAIN STREET FOND DU LAC, WI 54936 |
* | $ 1,945,433,000 | 3 | $ 295,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 1,314,951,000 | 3 | $ 345,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 435,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 19,633,838,000 | 3 | $ 735,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,983,953,000 | 3 | $ 945,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 315,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 924,371,000 | 3 | $ 485,000 |
| Commerce State Bank 1700 S. SILVERBROOK DR WEST BEND, WI 53095 |
* | $ 655,008,000 | 2 | $ 410,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 2 | $ 390,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 370,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 3,116,904,000 | 2 | $ 150,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 400,000 |
| Crossbridge Community Bank 15 E WISCONSIN AVE TOMAHAWK, WI 54487 |
* | $ 143,017,000 | 2 | $ 390,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 3,224,170,000 | 2 | $ 80,000 |
| Settlers Bank 4021 MERIDIAN DRIVE WINDSOR, WI 53598 |
* | $ 281,839,000 | 2 | $ 510,000 |
| North Shore Bank FSB 15700 WEST BLUEMOUND ROAD BROOKFIELD, WI 53005 |
* | $ 2,031,675,000 | 2 | $ 210,000 |
| Farmers & Merchants State Bank 210 W. MADISON ST. WATERLOO, WI 53594 |
* | $ 166,758,000 | 2 | $ 270,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 190,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 370,000 |
| Wolf River Community Bank 309 E MAIN ST HORTONVILLE, WI 54944 |
* | $ 185,378,000 | 2 | $ 270,000 |
| Unison Credit Union PO BOX 260 KAUKAUNA, WI 54130 |
* | $ 211,981,000 | 2 | $ 120,000 |
| Westbury Bank 200 S MAIN ST WEST BEND, WI 53095 |
* | $ 841,135,000 | 2 | $ 400,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 270,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| Waukesha State Bank 151 E ST PAUL AVE P.O. BOX 648 WAUKESHA, WI 53187 |
* | $ 974,926,000 | 2 | $ 150,000 |
| Bank Five Nine 155 W. WISCONSIN AVENUE OCONOMOWOC, WI 53066 |
* | $ 1,175,023,000 | 2 | $ 410,000 |
| Bank of Luxemburg 630 MAIN ST LUXEMBURG, WI 54217 |
* | $ 356,290,000 | 2 | $ 300,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 130,000 |
| East Wisconsin Savings Bank 109 W 2ND ST KAUKAUNA, WI 54130 |
* | $ 250,503,000 | 2 | $ 230,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 105,000 |
| A+ Mortgage Services, Inc. W188S7820 RACINE AVE SUITE 100 MUSKEGO, WI 53150 |
* | $ -1,000 | 1 | $ 215,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 185,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 225,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,107,438,000 | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 65,000 |
| Northwestern Mutual CU 720 E. WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 155,658,000 | 1 | $ 275,000 |
| Cleveland State Bank 1250 W. WASHINGTON AVE CLEVELAND, WI 53015 |
* | $ 122,386,000 | 1 | $ 175,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ 1,993,670,000 | 1 | $ 185,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 145,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 95,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 65,000 |
| Intercity State Bank 962 GRAND AVE SCHOFIELD, WI 54476 |
* | $ 188,719,000 | 1 | $ 285,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 1 | $ 125,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 85,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,093,760,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 95,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 45,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 145,000 |
| Prospera Credit Union 4830 N BALLARD RD APPLETON, WI 54913 |
* | $ 262,794,000 | 1 | $ 115,000 |
| Guardian Credit Union 4501 W GREENFIELD AVE MILWAUKEE, WI 53214 |
* | $ 218,385,000 | 1 | $ 105,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 365,000 |
| Pcm Credit Union 601 WILLARD DRIVE GREEN BAY, WI 54304 |
* | $ 259,067,000 | 1 | $ 105,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 5,394,695,000 | 1 | $ 105,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| N.E.W. Credit Union 301 JACKSON ST OCONTO FALLS, WI 54154 |
* | $ 103,141,000 | 1 | $ 25,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 215,000 |
| Stephenson National Bank & Trust 1820 HALL AVE MARINETTE, WI 54143 |
* | $ 520,785,000 | 1 | $ 155,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,357,316,000 | 1 | $ 465,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,389,689,000 | 1 | $ 105,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 105,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 355,000 |
| Denmark State Bank 103 E MAIN ST/PO BOX 130 DENMARK, WI 54208 |
* | $ 493,628,000 | 1 | $ 75,000 |
| Monona Bank 5515 MONONA DRIVE MONONA, WI 53716 |
* | $ 914,816,000 | 1 | $ 195,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 85,000 |
| Gateway Mortgage Corporation 6501 GREEN BAY ROAD KENOSHA, WI 53142 |
* | $ -1,000 | 1 | $ 175,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 35,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 145,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 225,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,514,584,000 | 1 | $ 45,000 |
| Bank of Kaukauna 264 W. WISCONSIN AVENUE, P.O. BOX 320 KAUKAUNA, WI 54130 |
* | $ 103,916,000 | 1 | $ 245,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 2,819,644,000 | 1 | $ 75,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2019 mortgage applications in Forest 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 222 | $29,790,000 | $134,000 | $995,000 | $104,000 | $665,000 |
| Refinancing | 138 | $15,090,000 | $109,000 | $375,000 | $87,000 | $494,000 |
| Cash-out Refinancing | 97 | $10,215,000 | $105,000 | $485,000 | $62,000 | $266,000 |
| Other Purpose | 42 | $2,410,000 | $57,000 | $275,000 | $97,000 | $388,000 |
| Home Improvement | 21 | $1,255,000 | $59,000 | $225,000 | $74,000 | $197,000 |
| Not Applicable | 10 | $590,000 | $59,000 | $165,000 | $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 | 419 | $47,195,000 | $112,000 | $555,000 | $90,000 | $665,000 |
| Not Provided | 55 | $4,665,000 | $84,000 | $265,000 | $73,000 | $342,000 |
| Not applicable | 34 | $4,480,000 | $131,000 | $365,000 | $175,000 | $490,000 |
| American Indian or Alaskan Native | 19 | $2,715,000 | $142,000 | $995,000 | $106,000 | $388,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
| Hispanic | 1 | $205,000 | $205,000 | $205,000 | $136,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $93,000 | $93,000 |
| 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) | 470 | $51,500,000 | $109,000 | $995,000 | $93,000 | $665,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,065,000 | $150,000 | $305,000 | $62,000 | $171,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,700,000 | $112,000 | $215,000 | $59,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,085,000 | $120,000 | $195,000 | $52,000 | $82,000 |
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 | 339 | $38,045,000 | $112,000 | $555,000 | $92,000 | $665,000 |
| Application Denied By Financial Institution | 73 | $7,555,000 | $103,000 | $995,000 | $64,000 | $270,000 |
| Application Withdrawn By Applicant | 37 | $3,755,000 | $101,000 | $315,000 | $86,000 | $424,000 |
| Loan Purchased By The Institution | 36 | $5,260,000 | $146,000 | $365,000 | $202,000 | $490,000 |
| Application Approved But Not Accepted | 31 | $3,065,000 | $98,000 | $315,000 | $81,000 | $494,000 |
| File Closed For Incompleteness | 13 | $1,515,000 | $116,000 | $375,000 | $93,000 | $330,000 |
| Preapproval Approved but not Accepted | 1 | $155,000 | $155,000 | $155,000 | $77,000 | $77,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 436 | $48,410,000 | $111,000 | $555,000 | $93,000 | $665,000 |
| Debt-To-Income Ratio | 46 | $7,080,000 | $153,000 | $995,000 | $89,000 | $380,000 |
| Credit History | 22 | $1,670,000 | $75,000 | $205,000 | $62,000 | $130,000 |
| Collateral | 8 | $560,000 | $70,000 | $115,000 | $99,000 | $270,000 |
| Other | 7 | $565,000 | $80,000 | $265,000 | $73,000 | $171,000 |
| Credit Application Incomplete | 5 | $425,000 | $85,000 | $135,000 | $62,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $415,000 | $138,000 | $175,000 | $77,000 | $153,000 |
| Unverifiable Information | 2 | $170,000 | $85,000 | $85,000 | $36,000 | $37,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $28,000 | $28,000 |
| 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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