Nicolet National Bank Mortgage Lending & HMDA Data, 2022

In 2022, Nicolet National Bank of Green Bay, WI reported 4,848 mortgage applications totaling $1.1 billion, down 9% from 2021. The average application was for $233,568, and applicants reported an average income of $134,652. 72% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Green Bay, WI (928), Appleton, WI (364) and Oshkosh-Neenah, WI (269) (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 4,848
Total Mortgage Loan Application Amount $1,132,340,000
Average Mortgage Loan Application Amount $233,568
Highest Mortgage Loan Application Amount $16,705,000
Average Applicant Income $134,652
Highest Applicant Income $2,097,000

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(HMDA) records Nicolet National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Brown, Wisconsin 733 $ 162,055,000 $ 221,084 $ 151,000
Door, Wisconsin 364 $ 96,190,000 $ 264,258 $ 166,000
Outagamie, Wisconsin 284 $ 86,630,000 $ 305,035 $ 163,000
Winnebago, Wisconsin 269 $ 55,155,000 $ 205,037 $ 142,000
Marathon, Wisconsin 210 $ 48,090,000 $ 229,000 $ 138,000
Marquette, Michigan 201 $ 35,215,000 $ 175,199 $ 113,000
Vilas, Wisconsin 188 $ 43,580,000 $ 231,808 $ 134,000
Oneida, Wisconsin 177 $ 43,055,000 $ 243,248 $ 152,000
Kewaunee, Wisconsin 127 $ 14,925,000 $ 117,519 $ 93,000
Taylor, Wisconsin 81 $ 18,235,000 $ 225,123 $ 103,000
Calumet, Wisconsin 80 $ 15,440,000 $ 193,000 $ 116,000
Marinette, Wisconsin 76 $ 10,590,000 $ 139,342 $ 98,000
Oconto, Wisconsin 68 $ 15,240,000 $ 224,117 $ 158,000
Manitowoc, Wisconsin 63 $ 10,625,000 $ 168,650 $ 142,000
Grand Traverse, Michigan 57 $ 17,445,000 $ 306,052 $ 147,000
Lincoln, Wisconsin 54 $ 6,180,000 $ 114,444 $ 94,000
Schoolcraft, Michigan 46 $ 6,390,000 $ 138,913 $ 127,000
Alpena, Michigan 44 $ 6,380,000 $ 145,000 $ 123,000
Chippewa, Michigan 43 $ 5,425,000 $ 126,162 $ 78,000
Delta, Michigan 37 $ 4,805,000 $ 129,864 $ 107,000
Eau Claire, Wisconsin 33 $ 8,105,000 $ 245,606 $ 159,000
Otsego, Michigan 31 $ 4,885,000 $ 157,580 $ 93,000
Menominee, Michigan 30 $ 3,250,000 $ 108,333 $ 81,000
Shawano, Wisconsin 29 $ 6,545,000 $ 225,689 $ 145,000
Luce, Michigan 28 $ 3,030,000 $ 108,214 $ 95,000
Cheboygan, Michigan 25 $ 3,645,000 $ 145,800 $ 82,000
Montmorency, Michigan 22 $ 3,020,000 $ 137,272 $ 121,000
Chippewa, Wisconsin 21 $ 5,555,000 $ 264,523 $ 138,000
Portage, Wisconsin 21 $ 4,105,000 $ 195,476 $ 150,000
Price, Wisconsin 21 $ 3,305,000 $ 157,380 $ 101,000
Waupaca, Wisconsin 21 $ 4,685,000 $ 223,095 $ 181,000
Clark, Wisconsin 20 $ 1,960,000 $ 98,000 $ 86,000
Dickinson, Michigan 19 $ 3,025,000 $ 159,210 $ 83,000
Florence, Wisconsin 19 $ 2,175,000 $ 114,473 $ 86,000
Leelanau, Michigan 15 $ 5,145,000 $ 343,000 $ 168,000
Mackinac, Michigan 15 $ 2,165,000 $ 144,333 $ 120,000
Fond du Lac, Wisconsin 15 $ 3,235,000 $ 215,666 $ 123,000
Dane, Wisconsin 13 $ 4,115,000 $ 316,538 $ 311,000
Milwaukee, Wisconsin 13 $ 2,455,000 $ 188,846 $ 215,000
Sheboygan, Wisconsin 13 $ 3,695,000 $ 284,230 $ 175,000
Collier, Florida 12 $ 10,290,000 $ 857,500 $ 1,026,000
Langlade, Wisconsin 12 $ 2,150,000 $ 179,166 $ 124,000
Baraga, Michigan 11 $ 1,705,000 $ 155,000 $ 82,000
Emmet, Michigan 11 $ 1,385,000 $ 125,909 $ 61,000
Lee, Florida 10 $ 2,650,000 $ 265,000 $ 330,000
Presque Isle, Michigan 10 $ 2,190,000 $ 219,000 $ 132,000
Oscoda, Michigan 9 $ 995,000 $ 110,555 $ 120,000
Alger, Michigan 8 $ 1,650,000 $ 206,250 $ 146,000
Antrim, Michigan 8 $ 2,210,000 $ 276,250 $ 110,000
Benzie, Michigan 8 $ 1,330,000 $ 166,250 $ 104,000
Green Lake, Wisconsin 8 $ 1,370,000 $ 171,250 $ 170,000
Waushara, Wisconsin 8 $ 1,550,000 $ 193,750 $ 141,000
Kalkaska, Michigan 7 $ 1,225,000 $ 175,000 $ 120,000
Waukesha, Wisconsin 7 $ 2,335,000 $ 333,571 $ 322,000
Iron, Michigan 6 $ 1,300,000 $ 216,666 $ 151,000
Wexford, Michigan 6 $ 800,000 $ 133,333 $ 134,000
Wood, Wisconsin 6 $ 2,180,000 $ 363,333 $ 265,000
Maricopa, Arizona 5 $ 1,175,000 $ 235,000 $ 130,000
Manatee, Florida 5 $ 7,775,000 $ 1,555,000 $ 320,000
Ontonagon, Michigan 5 $ 495,000 $ 99,000 $ 187,000
Carver, Minnesota 5 $ 745,000 $ 149,000 $ 88,000
Hennepin, Minnesota 5 $ 1,175,000 $ 235,000 $ 199,000
Barron, Wisconsin 5 $ 575,000 $ 115,000 $ 135,000
Forest, Wisconsin 5 $ 555,000 $ 111,000 $ 82,000
Iron, Wisconsin 5 $ 805,000 $ 161,000 $ 111,000
Ozaukee, Wisconsin 5 $ 1,605,000 $ 321,000 $ 172,000
Washington, Wisconsin 5 $ 455,000 $ 91,000 $ 103,000
Charlotte, Florida 4 $ 1,710,000 $ 427,500 $ 101,000
Cook, Illinois 4 $ 1,620,000 $ 405,000 $ 409,000
Alcona, Michigan 4 $ 360,000 $ 90,000 $ 83,000
Gogebic, Michigan 4 $ 470,000 $ 117,500 $ 109,000
Oakland, Michigan 4 $ 970,000 $ 242,500 $ 182,000
Sevier, Tennessee 4 $ 7,270,000 $ 1,817,500 $ 328,000
Adams, Wisconsin 4 $ 1,420,000 $ 355,000 $ 198,000
Bayfield, Wisconsin 4 $ 970,000 $ 242,500 $ 315,000
Green, Wisconsin 4 $ 1,150,000 $ 287,500 $ 195,000
Juneau, Wisconsin 4 $ 1,270,000 $ 317,500 $ 115,000
La Crosse, Wisconsin 4 $ 940,000 $ 235,000 $ 132,000
Pima, Arizona 3 $ 945,000 $ 315,000 $ 145,000
Sarasota, Florida 3 $ 1,445,000 $ 481,666 $ 336,000
Crawford, Michigan 3 $ 425,000 $ 141,666 $ 72,000
Livingston, Michigan 3 $ 1,325,000 $ 441,666 $ 208,000
Roscommon, Michigan 3 $ 365,000 $ 121,666 $ 70,000
Dodge, Wisconsin 3 $ 325,000 $ 108,333 $ 129,000
Dunn, Wisconsin 3 $ 775,000 $ 258,333 $ 45,000
Jefferson, Wisconsin 3 $ 625,000 $ 208,333 $ 177,000
Racine, Wisconsin 3 $ 1,215,000 $ 405,000 $ 160,000
Trempealeau, Wisconsin 3 $ 1,105,000 $ 368,333 $ 189,000
Boulder, Colorado 2 $ 1,400,000 $ 700,000 $ 618,000
Miami-Dade, Florida 2 $ 3,180,000 $ 1,590,000 $ 872,000
McHenry, Illinois 2 $ 250,000 $ 125,000 $ 130,000
Houghton, Michigan 2 $ 530,000 $ 265,000 $ 61,000
Keweenaw, Michigan 2 $ 330,000 $ 165,000 $ 160,000
Midland, Michigan 2 $ 620,000 $ 310,000 $ 190,000
Ogemaw, Michigan 2 $ 110,000 $ 55,000 $ 16,000
Ramsey, Minnesota 2 $ 230,000 $ 115,000 $ 170,000
Washington, Minnesota 2 $ 240,000 $ 120,000 $ 153,000
Grant, Wisconsin 2 $ 500,000 $ 250,000 $ 167,000
Iowa, Wisconsin 2 $ 900,000 $ 450,000 $ 173,000
Rusk, Wisconsin 2 $ 690,000 $ 345,000 $ 75,000
St. Croix, Wisconsin 2 $ 1,180,000 $ 590,000 $ 192,000
Walworth, Wisconsin 2 $ 1,370,000 $ 685,000 $ 229,000
Baldwin, Alabama 1 $ 525,000 $ 525,000 $ 399,000
Pinal, Arizona 1 $ 365,000 $ 365,000 $ 160,000
Yavapai, Arizona 1 $ 315,000 $ 315,000 $ 98,000
Monterey, California 1 $ 2,475,000 $ 2,475,000 $ 0
Douglas, Colorado 1 $ 255,000 $ 255,000 $ 269,000
Jefferson, Colorado 1 $ 625,000 $ 625,000 $ 115,000
San Miguel, Colorado 1 $ 1,295,000 $ 1,295,000 $ 175,000
Broward, Florida 1 $ 1,805,000 $ 1,805,000 $ 950,000
Citrus, Florida 1 $ 85,000 $ 85,000 $ 146,000
Dixie, Florida 1 $ 185,000 $ 185,000 $ 45,000
Monroe, Florida 1 $ 1,855,000 $ 1,855,000 $ 492,000
Okaloosa, Florida 1 $ 325,000 $ 325,000 $ 0
Osceola, Florida 1 $ 785,000 $ 785,000 $ 1,153,000
Pasco, Florida 1 $ 445,000 $ 445,000 $ 258,000
Pinellas, Florida 1 $ 255,000 $ 255,000 $ 0
Polk, Florida 1 $ 105,000 $ 105,000 $ 0
Santa Rosa, Florida 1 $ 135,000 $ 135,000 $ 113,000
DeKalb, Georgia 1 $ 305,000 $ 305,000 $ 109,000
Fulton, Georgia 1 $ 175,000 $ 175,000 $ 111,000
Bear Lake, Idaho 1 $ 65,000 $ 65,000 $ 111,000
Bonner, Idaho 1 $ 305,000 $ 305,000 $ 71,000
Kane, Illinois 1 $ 255,000 $ 255,000 $ 163,000
Kendall, Illinois 1 $ 295,000 $ 295,000 $ 301,000
Lake, Illinois 1 $ 485,000 $ 485,000 $ 300,000
Will, Illinois 1 $ 285,000 $ 285,000 $ 130,000
Winnebago, Illinois 1 $ 15,000 $ 15,000 $ 74,000
Randolph, Indiana 1 $ 55,000 $ 55,000 $ 40,000
Johnson, Kansas 1 $ 305,000 $ 305,000 $ 95,000
Bay, Michigan 1 $ 95,000 $ 95,000 $ 105,000
Charlevoix, Michigan 1 $ 325,000 $ 325,000 $ 279,000
Eaton, Michigan 1 $ 215,000 $ 215,000 $ 99,000
Ionia, Michigan 1 $ 65,000 $ 65,000 $ 108,000
Iosco, Michigan 1 $ 355,000 $ 355,000 $ 231,000
Lake, Michigan 1 $ 155,000 $ 155,000 $ 106,000
Macomb, Michigan 1 $ 305,000 $ 305,000 $ 379,000
Missaukee, Michigan 1 $ 605,000 $ 605,000 $ 446,000
Newaygo, Michigan 1 $ 65,000 $ 65,000 $ 50,000
Wayne, Michigan 1 $ 205,000 $ 205,000 $ 77,000
Dakota, Minnesota 1 $ 275,000 $ 275,000 $ 72,000
McLeod, Minnesota 1 $ 585,000 $ 585,000 $ 350,000
Sullivan, Missouri 1 $ 205,000 $ 205,000 $ 464,000
Douglas, Nebraska 1 $ 165,000 $ 165,000 $ 209,000
Clark, Nevada 1 $ 275,000 $ 275,000 $ 144,000
Santa Fe, New Mexico 1 $ 275,000 $ 275,000 $ 42,000
New York, New York 1 $ 1,255,000 $ 1,255,000 $ 0
Dare, North Carolina 1 $ 335,000 $ 335,000 $ 290,000
Iredell, North Carolina 1 $ 75,000 $ 75,000 $ 113,000
Jackson, North Carolina 1 $ 575,000 $ 575,000 $ 462,000
Orange, North Carolina 1 $ 6,005,000 $ 6,005,000 $ 0
Montgomery, Ohio 1 $ 10,205,000 $ 10,205,000 $ 0
Garvin, Oklahoma 1 $ 185,000 $ 185,000 $ 63,000
Fayette, Pennsylvania 1 $ 4,335,000 $ 4,335,000 $ 0
Beaufort, South Carolina 1 $ 915,000 $ 915,000 $ 387,000
Dorchester, South Carolina 1 $ 375,000 $ 375,000 $ 149,000
Richland, South Carolina 1 $ 155,000 $ 155,000 $ 262,000
Cumberland, Tennessee 1 $ 275,000 $ 275,000 $ 279,000
Davidson, Tennessee 1 $ 325,000 $ 325,000 $ 76,000
Greene, Tennessee 1 $ 75,000 $ 75,000 $ 45,000
Collin, Texas 1 $ 645,000 $ 645,000 $ 258,000
Fort Bend, Texas 1 $ 1,505,000 $ 1,505,000 $ 879,000
Galveston, Texas 1 $ 145,000 $ 145,000 $ 66,000
Montgomery, Texas 1 $ 1,145,000 $ 1,145,000 $ 626,000
Washington, Utah 1 $ 565,000 $ 565,000 $ 215,000
Amherst, Virginia 1 $ 45,000 $ 45,000 $ 88,000
Arlington, Virginia 1 $ 615,000 $ 615,000 $ 154,000
Cowlitz, Washington 1 $ 125,000 $ 125,000 $ 237,000
King, Washington 1 $ 345,000 $ 345,000 $ 253,000
Jackson, Wisconsin 1 $ 25,000 $ 25,000 $ 117,000
Marquette, Wisconsin 1 $ 425,000 $ 425,000 $ 321,000
Menominee, Wisconsin 1 $ 495,000 $ 495,000 $ 735,000
Monroe, Wisconsin 1 $ 305,000 $ 305,000 $ 250,000
Polk, Wisconsin 1 $ 255,000 $ 255,000 $ 711,000
Sawyer, Wisconsin 1 $ 165,000 $ 165,000 $ 469,000
Washburn, Wisconsin 1 $ 205,000 $ 205,000 $ 118,000
Fremont, Wyoming 1 $ 185,000 $ 185,000 $ 142,000

Mortgage Loan Application Detail Totals for Nicolet National Bank in 2022

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 2,911 $865,015,000 $297,000 $16,705,000 $137,000 $2,094,000
Home Improvement 688 $58,920,000 $85,000 $755,000 $130,000 $1,023,000
Refinancing 512 $90,610,000 $176,000 $2,095,000 $137,000 $2,097,000
Other Purpose 377 $40,965,000 $108,000 $1,205,000 $132,000 $996,000
Cash-out Refinancing 360 $76,830,000 $213,000 $1,275,000 $124,000 $1,793,000
Not Applicable 0 $0 $0 $0 $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 4,182 $912,070,000 $218,000 $5,155,000 $134,000 $2,094,000
Not applicable 242 $115,500,000 $477,000 $16,705,000 $0 $0
Not Provided 188 $53,830,000 $286,000 $2,155,000 $158,000 $1,716,000
Hispanic 129 $25,415,000 $197,000 $725,000 $102,000 $2,097,000
Asian 53 $13,915,000 $262,000 $775,000 $168,000 $785,000
American Indian or Alaskan Native 30 $5,270,000 $175,000 $915,000 $67,000 $358,000
Black or African American 23 $5,935,000 $258,000 $935,000 $215,000 $1,497,000
Native Hawaiian or Other Pacific Islander 1 $405,000 $405,000 $405,000 $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) 4,839 $1,130,065,000 $233,000 $16,705,000 $135,000 $2,097,000
VA-guaranteed (Veterans Administration) 5 $1,645,000 $329,000 $455,000 $132,000 $275,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $630,000 $157,000 $205,000 $53,000 $61,000
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 3,473 $820,055,000 $236,000 $16,705,000 $148,000 $2,097,000
Preapproval Approved but not Accepted 635 $172,185,000 $271,000 $2,805,000 $108,000 $1,154,000
Application Withdrawn By Applicant 260 $58,650,000 $225,000 $1,805,000 $131,000 $1,502,000
Preapproval Denied by Financial Institution 212 $38,360,000 $180,000 $805,000 $59,000 $678,000
Application Denied By Financial Institution 187 $25,665,000 $137,000 $765,000 $90,000 $894,000
Application Approved But Not Accepted 42 $10,160,000 $241,000 $1,165,000 $141,000 $442,000
File Closed For Incompleteness 24 $5,020,000 $209,000 $575,000 $123,000 $730,000
Loan Purchased By The Institution 15 $2,245,000 $149,000 $405,000 $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 4,449 $1,068,315,000 $240,000 $16,705,000 $140,000 $2,097,000
Debt-To-Income Ratio 179 $30,985,000 $173,000 $715,000 $53,000 $223,000
Credit History 165 $24,115,000 $146,000 $805,000 $73,000 $678,000
Collateral 30 $5,420,000 $180,000 $765,000 $174,000 $894,000
Other 13 $2,125,000 $163,000 $455,000 $153,000 $410,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,035,000 $115,000 $215,000 $48,000 $69,000
Employment History 2 $190,000 $95,000 $115,000 $34,000 $36,000
Unverifiable Information 1 $155,000 $155,000 $155,000 $130,000 $130,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nicolet National Bank's 2022 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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