Nicolet National Bank Mortgage Lending & HMDA Data, 2017

In 2017, Nicolet National Bank of Green Bay, WI reported 2,021 mortgage applications totaling $368.2 million, down 17% from 2016. The average application was for $182,188, and applicants reported an average income of $117,887. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Green Bay, WI (608), Appleton, WI (200) and Oshkosh-Neenah, WI (130) (applications in parentheses).

Mortgage Company & Address Nicolet National Bank
111 N Washington St
Green Bay, WI 54301
Tel #: available with data download
Federal Regulator * available with data download
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 2,021
Total Mortgage Loan Application Amount $368,202,000
Average Mortgage Loan Application Amount $182,188
Highest Mortgage Loan Application Amount $7,155,000
Average Applicant Income $117,887
Highest Applicant Income $2,498,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nicolet National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Nicolet National Bank by County in 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Brown, Wisconsin 476 $ 91,452,000 $ 192,126 $ 143,000
Door, Wisconsin 320 $ 70,497,000 $ 220,303 $ 123,000
Outagamie, Wisconsin 167 $ 31,575,000 $ 189,071 $ 130,000
Winnebago, Wisconsin 130 $ 25,870,000 $ 199,000 $ 124,000
Marathon, Wisconsin 82 $ 11,300,000 $ 137,804 $ 85,000
Kewaunee, Wisconsin 80 $ 8,702,000 $ 108,775 $ 64,000
Vilas, Wisconsin 80 $ 14,702,000 $ 183,775 $ 120,000
Oneida, Wisconsin 71 $ 12,136,000 $ 170,929 $ 100,000
Marinette, Wisconsin 65 $ 8,594,000 $ 132,215 $ 108,000
Taylor, Wisconsin 56 $ 8,221,000 $ 146,803 $ 78,000
Oconto, Wisconsin 52 $ 9,590,000 $ 184,423 $ 125,000
Calumet, Wisconsin 33 $ 7,290,000 $ 220,909 $ 136,000
Menominee, Michigan 22 $ 2,460,000 $ 111,818 $ 64,000
Clark, Wisconsin 13 $ 1,400,000 $ 107,692 $ 87,000
Price, Wisconsin 13 $ 1,593,000 $ 122,538 $ 82,000
Shawano, Wisconsin 13 $ 2,267,000 $ 174,384 $ 101,000
Dane, Wisconsin 12 $ 4,380,000 $ 365,000 $ 192,000
Waupaca, Wisconsin 12 $ 2,304,000 $ 192,000 $ 122,000
Manitowoc, Wisconsin 9 $ 925,000 $ 102,777 $ 57,000
Lincoln, Wisconsin 8 $ 1,676,000 $ 209,500 $ 117,000
Milwaukee, Wisconsin 7 $ 1,182,000 $ 168,857 $ 295,000
Cook, Illinois 6 $ 1,175,000 $ 195,833 $ 187,000
Ozaukee, Wisconsin 6 $ 1,487,000 $ 247,833 $ 100,000
Gogebic, Michigan 5 $ 607,000 $ 121,400 $ 91,000
Forest, Wisconsin 5 $ 1,046,000 $ 209,200 $ 149,000
Chippewa, Wisconsin 4 $ 728,000 $ 182,000 $ 156,000
Fond du Lac, Wisconsin 4 $ 1,028,000 $ 257,000 $ 167,000
Menominee, Wisconsin 4 $ 867,000 $ 216,750 $ 198,000
Portage, Wisconsin 4 $ 352,000 $ 88,000 $ 90,000
Waukesha, Wisconsin 4 $ 1,210,000 $ 302,500 $ 184,000
Waushara, Wisconsin 4 $ 670,000 $ 167,500 $ 122,000
Langlade, Wisconsin 3 $ 470,000 $ 156,666 $ 149,000
Maricopa, Arizona 2 $ 386,000 $ 193,000 $ 62,000
Hartford, Connecticut 2 $ 404,000 $ 202,000 $ 230,000
Alachua, Florida 2 $ 180,000 $ 90,000 $ 212,000
Santa Rosa, Florida 2 $ 496,000 $ 248,000 $ 99,000
Sarasota, Florida 2 $ 656,000 $ 328,000 $ 319,000
Mecklenburg, North Carolina 2 $ 630,000 $ 315,000 $ 212,000
Dodge, Wisconsin 2 $ 161,000 $ 80,500 $ 148,000
Florence, Wisconsin 2 $ 193,000 $ 96,500 $ 119,000
Green Lake, Wisconsin 2 $ 209,000 $ 104,500 $ 76,000
Walworth, Wisconsin 2 $ 574,000 $ 287,000 $ 125,000
Washington, Wisconsin 2 $ 493,000 $ 246,500 $ 296,000
Yavapai, Arizona 1 $ 144,000 $ 144,000 $ 181,000
Boulder, Colorado 1 $ 374,000 $ 374,000 $ 73,000
Citrus, Florida 1 $ 108,000 $ 108,000 $ 121,000
Lake, Florida 1 $ 291,000 $ 291,000 $ 472,000
Lee, Florida 1 $ 400,000 $ 400,000 $ 233,000
Manatee, Florida 1 $ 220,000 $ 220,000 $ 377,000
Orange, Florida 1 $ 750,000 $ 750,000 $ 0
Palm Beach, Florida 1 $ 424,000 $ 424,000 $ 541,000
Pasco, Florida 1 $ 268,000 $ 268,000 $ 115,000
Pinellas, Florida 1 $ 250,000 $ 250,000 $ 325,000
Greene, Georgia 1 $ 666,000 $ 666,000 $ 1,140,000
Gwinnett, Georgia 1 $ 222,000 $ 222,000 $ 325,000
Henry, Georgia 1 $ 157,000 $ 157,000 $ 100,000
Ada, Idaho 1 $ 200,000 $ 200,000 $ 85,000
Blaine, Idaho 1 $ 142,000 $ 142,000 $ 79,000
Madison, Illinois 1 $ 244,000 $ 244,000 $ 55,000
Lake, Indiana 1 $ 222,000 $ 222,000 $ 182,000
Johnson, Kansas 1 $ 424,000 $ 424,000 $ 275,000
Dickinson, Michigan 1 $ 875,000 $ 875,000 $ 213,000
Houghton, Michigan 1 $ 46,000 $ 46,000 $ 171,000
Mackinac, Michigan 1 $ 81,000 $ 81,000 $ 31,000
Marquette, Michigan 1 $ 126,000 $ 126,000 $ 28,000
Mason, Michigan 1 $ 156,000 $ 156,000 $ 166,000
Ontonagon, Michigan 1 $ 19,000 $ 19,000 $ 120,000
Washtenaw, Michigan 1 $ 419,000 $ 419,000 $ 239,000
Rice, Minnesota 1 $ 144,000 $ 144,000 $ 412,000
Washington, Minnesota 1 $ 131,000 $ 131,000 $ 120,000
Jackson, Mississippi 1 $ 292,000 $ 292,000 $ 238,000
Missoula, Montana 1 $ 423,000 $ 423,000 $ 74,000
Chatham, North Carolina 1 $ 239,000 $ 239,000 $ 92,000
Washington, Pennsylvania 1 $ 215,000 $ 215,000 $ 43,000
Beaufort, South Carolina 1 $ 308,000 $ 308,000 $ 411,000
York, South Carolina 1 $ 194,000 $ 194,000 $ 97,000
DeKalb, Tennessee 1 $ 330,000 $ 330,000 $ 400,000
Shelby, Tennessee 1 $ 200,000 $ 200,000 $ 45,000
Wilson, Tennessee 1 $ 265,000 $ 265,000 $ 80,000
Summit, Utah 1 $ 320,000 $ 320,000 $ 89,000
Henrico, Virginia 1 $ 126,000 $ 126,000 $ 65,000
King, Washington 1 $ 714,000 $ 714,000 $ 168,000
Adams, Wisconsin 1 $ 55,000 $ 55,000 $ 42,000
Bayfield, Wisconsin 1 $ 200,000 $ 200,000 $ 39,000
Douglas, Wisconsin 1 $ 120,000 $ 120,000 $ 84,000
Eau Claire, Wisconsin 1 $ 150,000 $ 150,000 $ 84,000
Grant, Wisconsin 1 $ 268,000 $ 268,000 $ 84,000
Green, Wisconsin 1 $ 152,000 $ 152,000 $ 82,000
Polk, Wisconsin 1 $ 71,000 $ 71,000 $ 156,000
Rock, Wisconsin 1 $ 100,000 $ 100,000 $ 47,000
Rusk, Wisconsin 1 $ 187,000 $ 187,000 $ 75,000
Sheboygan, Wisconsin 1 $ 227,000 $ 227,000 $ 116,000

Mortgage Loan Application Detail Totals for Nicolet National Bank in 2017

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 1,311 $248,482,000 $189,000 $1,400,000 $123,000 $2,498,000
Refinancing 551 $100,249,000 $181,000 $7,155,000 $108,000 $784,000
Home Improvement 159 $19,471,000 $122,000 $1,061,000 $110,000 $1,177,000

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 1,867 $333,160,000 $178,000 $1,105,000 $122,000 $2,498,000
Not applicable 76 $21,956,000 $288,000 $7,155,000 $0 $0
Asian 25 $4,905,000 $196,000 $424,000 $157,000 $703,000
Hispanic 22 $2,769,000 $125,000 $337,000 $62,000 $124,000
Not Provided 16 $2,506,000 $156,000 $482,000 $177,000 $702,000
Black or African American 9 $2,039,000 $226,000 $398,000 $222,000 $636,000
Native Hawaiian or Other Pacific Islander 3 $593,000 $197,000 $288,000 $86,000 $132,000
American Indian or Alaskan Native 3 $274,000 $91,000 $97,000 $44,000 $57,000

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) 2,015 $367,542,000 $182,000 $7,155,000 $118,000 $2,498,000
VA-guaranteed (Veterans Administration) 4 $475,000 $118,000 $160,000 $39,000 $47,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $185,000 $92,000 $150,000 $35,000 $37,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0

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 1,532 $292,199,000 $190,000 $7,155,000 $127,000 $2,498,000
Preapproval Denied by Financial Institution 173 $22,606,000 $130,000 $424,000 $52,000 $390,000
Application Denied By Financial Institution 159 $25,151,000 $158,000 $760,000 $85,000 $698,000
Application Withdrawn By Applicant 115 $21,725,000 $188,000 $1,105,000 $150,000 $1,790,000
Application Approved But Not Accepted 24 $2,672,000 $111,000 $258,000 $89,000 $319,000
File Closed For Incompleteness 18 $3,849,000 $213,000 $850,000 $128,000 $633,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Credit History 194 $27,548,000 $142,000 $701,000 $70,000 $698,000
Debt-To-Income Ratio 88 $12,297,000 $139,000 $424,000 $52,000 $217,000
Collateral 32 $5,735,000 $179,000 $760,000 $107,000 $450,000
Other 10 $1,193,000 $119,000 $260,000 $66,000 $137,000
Insufficient Cash (Downpayment, Closing Cost) 5 $704,000 $140,000 $166,000 $46,000 $59,000
Employment History 3 $280,000 $93,000 $135,000 $28,000 $34,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nicolet National Bank's 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Nicolet National Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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