In 2011, lenders reported 320 mortgage applications in Jackson County, WI totaling $39.5 million, down 9% from 2010. The average application was for $123,000, and applicants reported an average income of $73,000. 43% of applications resulted in an originated loan and 28% were denied. The most active lender was Wells Fargo Bank NA, with 30 applications, followed by Associated Bank NA and Embrace Home Loans, Inc..
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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 | 320 |
| Total Mortgage Loan Application Amount | $39,486,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $993,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $3,201,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 30 | $ 3,624,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,813,152,000 | 28 | $ 3,698,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,416,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 781,696,000 | 19 | $ 2,075,000 |
| Citizens Community Federal 2174 EASTRIDGE CENTER EAU CLAIRE, WI 54701 |
* | $ 580,338,000 | 17 | $ 1,078,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 15 | $ 1,750,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 13 | $ 1,205,000 |
| Partnership Bank N58W6194 COLUMBIA ROAD CEDARBURG, WI 53012 |
* | $ 89,285,000 | 12 | $ 1,106,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 10 | $ 946,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 9 | $ 3,047,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 9 | $ 1,505,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 494,772,000 | 7 | $ 901,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 610,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 6 | $ 1,046,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 44,975,270,000 | 5 | $ 1,180,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 5 | $ 592,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 823,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 4 | $ 519,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 3,588,391,000 | 4 | $ 404,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 390,898,000 | 4 | $ 264,000 |
| Pigeon Falls State Bank 40214 S. EKERN AVE PO BOX 489 PIGEON FALLS, WI 54760 |
* | $ 65,946,000 | 3 | $ 156,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 47,303,000 | 3 | $ 305,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ 84,627,000 | 3 | $ 313,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 469,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 252,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 3 | $ 606,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 230,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 365,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 230,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 51,858,924,000 | 2 | $ 229,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 321,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 11,750,980,000 | 2 | $ 180,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 273,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 271,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 129,000 |
| Blackhawk Community Credit Uni PO BOX 5366 JANESVILLE, WI 53547 |
* | $ 322,332,000 | 2 | $ 151,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 2 | $ 464,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 144,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 174,000 |
| Citizens State Bank of Loyal 400 N MAIN STREET PO BOX 218 LOYAL, WI 54446 |
* | $ 145,891,000 | 2 | $ 81,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 7,352,931,000 | 2 | $ 155,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 234,932,000 | 2 | $ 233,000 |
| Bank Five Nine 155 W. WISCONSIN AVENUE OCONOMOWOC, WI 53066 |
* | $ 738,699,000 | 1 | $ 139,000 |
| Bank of Milton 323 PARKVIEW DR. MILTON, WI 53563 |
* | $ 67,537,000 | 1 | $ 30,000 |
| Horicon Bank 326 E LAKE ST, PO BOX 144 HORICON, WI 53032 |
* | $ 512,029,000 | 1 | $ 8,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 111,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 96,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,591,714,000 | 1 | $ 130,000 |
| 1st Community Credit Union 1000 W. WISCONSIN STREET SPARTA, WI 54656 |
* | $ 102,791,000 | 1 | $ 56,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 1,581,105,000 | 1 | $ 148,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 701,896,000 | 1 | $ 27,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 416,223,000 | 1 | $ 72,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,303,401,000 | 1 | $ 63,000 |
| Citizens Bank 301 N ROCHESTER ST PO BOX 223 MUKWONAGO, WI 53149 |
* | $ 641,505,000 | 1 | $ 135,000 |
| Mid-Wisconsin Bank 134 S 8TH ST MEDFORD, WI 54451 |
* | $ 505,624,000 | 1 | $ 138,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ 230,586,000 | 1 | $ 360,000 |
| Union State Bank of West Salem 120 S. MILL STREET/ PO BOX 870 WEST SALEM, WI 54669 |
* | $ 57,055,000 | 1 | $ 66,000 |
| Lake Ridge Bank 1205 MAIN STREET MONONA, WI 53713 |
* | $ 797,723,000 | 1 | $ 300,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 265,506,000 | 1 | $ 523,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ 267,193,000 | 1 | $ 64,000 |
| Bay Bank 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ 113,040,000 | 1 | $ 222,000 |
| R.I.A. Federal Credit Union PO BOX 4750 BETTENDORF, IA 52722 |
* | $ 329,986,000 | 1 | $ 26,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ 861,010,000 | 1 | $ 72,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 150,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 84,000 |
| The First National Bank of Bangor 1798 COMMERCIAL ST BANGOR, WI 54614 |
* | $ 199,185,000 | 1 | $ 20,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 85,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 60,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 110,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 166,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 50,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 75,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 56,000 |
The tables below break down 2011 mortgage applications in Jackson 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 | 223 | $29,615,000 | $132,000 | $993,000 | $79,000 | $3,201,000 |
| Home Purchase | 79 | $9,008,000 | $114,000 | $523,000 | $57,000 | $296,000 |
| Home Improvement | 18 | $863,000 | $47,000 | $300,000 | $59,000 | $194,000 |
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 | 264 | $32,605,000 | $123,000 | $993,000 | $77,000 | $3,201,000 |
| Not Provided | 26 | $2,891,000 | $111,000 | $250,000 | $66,000 | $296,000 |
| Not applicable | 16 | $2,514,000 | $157,000 | $917,000 | $14,000 | $112,000 |
| American Indian or Alaskan Native | 8 | $1,016,000 | $127,000 | $280,000 | $79,000 | $210,000 |
| Hispanic | 3 | $148,000 | $49,000 | $71,000 | $45,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $206,000 | $103,000 | $103,000 | $48,000 | $48,000 |
| Asian | 1 | $106,000 | $106,000 | $106,000 | $40,000 | $40,000 |
| 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) | 219 | $27,316,000 | $124,000 | $993,000 | $84,000 | $3,201,000 |
| FHA-insured (Federal Housing Administration) | 64 | $7,316,000 | $114,000 | $265,000 | $45,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,331,000 | $151,000 | $306,000 | $58,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,523,000 | $101,000 | $239,000 | $38,000 | $64,000 |
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 | 139 | $17,655,000 | $127,000 | $993,000 | $97,000 | $3,201,000 |
| Application Denied By Financial Institution | 90 | $11,438,000 | $127,000 | $417,000 | $56,000 | $205,000 |
| Application Withdrawn By Applicant | 36 | $4,693,000 | $130,000 | $360,000 | $50,000 | $143,000 |
| Loan Purchased By The Institution | 33 | $3,649,000 | $110,000 | $335,000 | $42,000 | $133,000 |
| Application Approved But Not Accepted | 13 | $1,239,000 | $95,000 | $225,000 | $80,000 | $125,000 |
| File Closed For Incompleteness | 9 | $812,000 | $90,000 | $133,000 | $56,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 19 | $3,004,000 | $158,000 | $417,000 | $77,000 | $205,000 |
| Credit History | 15 | $1,872,000 | $124,000 | $306,000 | $60,000 | $146,000 |
| Debt-To-Income Ratio | 11 | $1,687,000 | $153,000 | $285,000 | $37,000 | $67,000 |
| Credit Application Incomplete | 6 | $621,000 | $103,000 | $155,000 | $56,000 | $95,000 |
| Employment History | 3 | $423,000 | $141,000 | $208,000 | $71,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $236,000 | $118,000 | $125,000 | $60,000 | $78,000 |
| Other | 2 | $126,000 | $63,000 | $84,000 | $68,000 | $70,000 |
| Unverifiable Information | 2 | $233,000 | $116,000 | $154,000 | $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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