Nicolet National Bank Mortgage Lending & HMDA Data, 2023

In 2023, Nicolet National Bank of Green Bay, WI reported 3,661 mortgage applications totaling $802.0 million, down 24% from 2022. The average application was for $219,059, and applicants reported an average income of $141,953. 67% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Green Bay, WI (663), Wausau, WI (211) and Appleton, WI (209) (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 3,661
Total Mortgage Loan Application Amount $801,975,000
Average Mortgage Loan Application Amount $219,059
Highest Mortgage Loan Application Amount $8,405,000
Average Applicant Income $141,953
Highest Applicant Income $2,571,000

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(HMDA) records Nicolet National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Brown, Wisconsin 538 $ 111,480,000 $ 207,211 $ 163,000
Door, Wisconsin 218 $ 55,110,000 $ 252,798 $ 201,000
Winnebago, Wisconsin 195 $ 34,745,000 $ 178,179 $ 168,000
Marathon, Wisconsin 179 $ 34,265,000 $ 191,424 $ 132,000
Outagamie, Wisconsin 170 $ 42,440,000 $ 249,647 $ 172,000
Marquette, Michigan 121 $ 20,855,000 $ 172,355 $ 132,000
Vilas, Wisconsin 109 $ 19,835,000 $ 181,972 $ 125,000
Oneida, Wisconsin 102 $ 21,100,000 $ 206,862 $ 137,000
Eau Claire, Wisconsin 88 $ 27,110,000 $ 308,068 $ 189,000
Kewaunee, Wisconsin 77 $ 10,315,000 $ 133,961 $ 96,000
Marinette, Wisconsin 68 $ 9,090,000 $ 133,676 $ 100,000
Chippewa, Michigan 50 $ 6,830,000 $ 136,600 $ 106,000
Oconto, Wisconsin 48 $ 8,830,000 $ 183,958 $ 176,000
Manitowoc, Wisconsin 44 $ 7,140,000 $ 162,272 $ 106,000
Calumet, Wisconsin 39 $ 10,315,000 $ 264,487 $ 127,000
Luce, Michigan 32 $ 3,990,000 $ 124,687 $ 103,000
Lincoln, Wisconsin 32 $ 3,960,000 $ 123,750 $ 99,000
Grand Traverse, Michigan 30 $ 8,150,000 $ 271,666 $ 174,000
Taylor, Wisconsin 30 $ 3,580,000 $ 119,333 $ 98,000
Alpena, Michigan 29 $ 3,785,000 $ 130,517 $ 110,000
Chippewa, Wisconsin 27 $ 7,125,000 $ 263,888 $ 177,000
Schoolcraft, Michigan 24 $ 3,550,000 $ 147,916 $ 112,000
Menominee, Michigan 20 $ 3,270,000 $ 163,500 $ 163,000
Waupaca, Wisconsin 20 $ 3,820,000 $ 191,000 $ 136,000
Otsego, Michigan 19 $ 4,025,000 $ 211,842 $ 147,000
Barron, Wisconsin 19 $ 4,465,000 $ 235,000 $ 238,000
Portage, Wisconsin 18 $ 3,800,000 $ 211,111 $ 113,000
Delta, Michigan 16 $ 2,060,000 $ 128,750 $ 104,000
Montmorency, Michigan 16 $ 2,030,000 $ 126,875 $ 69,000
Price, Wisconsin 16 $ 2,670,000 $ 166,875 $ 80,000
Shawano, Wisconsin 15 $ 3,005,000 $ 200,333 $ 133,000
Waukesha, Wisconsin 15 $ 4,685,000 $ 312,333 $ 170,000
Cheboygan, Michigan 14 $ 2,290,000 $ 163,571 $ 127,000
Clark, Wisconsin 14 $ 1,890,000 $ 135,000 $ 82,000
Mackinac, Michigan 13 $ 1,715,000 $ 131,923 $ 99,000
Carver, Minnesota 13 $ 3,395,000 $ 261,153 $ 257,000
Dickinson, Michigan 11 $ 1,055,000 $ 95,909 $ 116,000
Dane, Wisconsin 11 $ 2,395,000 $ 217,727 $ 183,000
Lee, Florida 10 $ 3,850,000 $ 385,000 $ 379,000
Florence, Wisconsin 10 $ 1,350,000 $ 135,000 $ 137,000
Alcona, Michigan 9 $ 765,000 $ 85,000 $ 55,000
Wexford, Michigan 9 $ 725,000 $ 80,555 $ 84,000
Dunn, Wisconsin 9 $ 3,065,000 $ 340,555 $ 185,000
Milwaukee, Wisconsin 9 $ 1,615,000 $ 179,444 $ 173,000
Wood, Wisconsin 9 $ 1,375,000 $ 152,777 $ 105,000
Oscoda, Michigan 8 $ 940,000 $ 117,500 $ 100,000
Forest, Wisconsin 8 $ 1,660,000 $ 207,500 $ 133,000
Emmet, Michigan 7 $ 1,275,000 $ 182,142 $ 84,000
Leelanau, Michigan 7 $ 1,315,000 $ 187,857 $ 93,000
Presque Isle, Michigan 7 $ 2,545,000 $ 363,571 $ 366,000
Langlade, Wisconsin 7 $ 1,525,000 $ 217,857 $ 137,000
Sheboygan, Wisconsin 7 $ 885,000 $ 126,428 $ 94,000
Maricopa, Arizona 6 $ 3,380,000 $ 563,333 $ 320,000
Cook, Illinois 6 $ 1,180,000 $ 196,666 $ 522,000
Alger, Michigan 6 $ 780,000 $ 130,000 $ 177,000
Antrim, Michigan 6 $ 1,050,000 $ 175,000 $ 270,000
Hennepin, Minnesota 6 $ 1,680,000 $ 280,000 $ 163,000
Fond du Lac, Wisconsin 6 $ 960,000 $ 160,000 $ 162,000
Waushara, Wisconsin 6 $ 1,670,000 $ 278,333 $ 402,000
Collier, Florida 5 $ 4,605,000 $ 921,000 $ 161,000
Gogebic, Michigan 5 $ 925,000 $ 185,000 $ 198,000
Manistee, Michigan 5 $ 835,000 $ 167,000 $ 70,000
Menominee, Wisconsin 5 $ 1,735,000 $ 347,000 $ 225,000
Pima, Arizona 4 $ 1,220,000 $ 305,000 $ 100,000
Iron, Wisconsin 4 $ 470,000 $ 117,500 $ 88,000
Marquette, Wisconsin 4 $ 940,000 $ 235,000 $ 212,000
Rusk, Wisconsin 4 $ 770,000 $ 192,500 $ 278,000
Trempealeau, Wisconsin 4 $ 730,000 $ 182,500 $ 100,000
Benton, Arkansas 3 $ 1,315,000 $ 438,333 $ 132,000
Charlotte, Florida 3 $ 715,000 $ 238,333 $ 109,000
Benzie, Michigan 3 $ 795,000 $ 265,000 $ 210,000
Iosco, Michigan 3 $ 365,000 $ 121,666 $ 99,000
Kalkaska, Michigan 3 $ 325,000 $ 108,333 $ 72,000
Ogemaw, Michigan 3 $ 665,000 $ 221,666 $ 107,000
Dakota, Minnesota 3 $ 1,015,000 $ 338,333 $ 161,000
Horry, South Carolina 3 $ 1,185,000 $ 395,000 $ 129,000
Adams, Wisconsin 3 $ 1,115,000 $ 371,666 $ 149,000
Juneau, Wisconsin 3 $ 1,245,000 $ 415,000 $ 253,000
Sawyer, Wisconsin 3 $ 1,405,000 $ 468,333 $ 202,000
Washburn, Wisconsin 3 $ 295,000 $ 98,333 $ 125,000
Brevard, Florida 2 $ 360,000 $ 180,000 $ 31,000
Manatee, Florida 2 $ 800,000 $ 400,000 $ 659,000
Sarasota, Florida 2 $ 1,070,000 $ 535,000 $ 340,000
Monroe, Indiana 2 $ 610,000 $ 305,000 $ 360,000
Branch, Michigan 2 $ 180,000 $ 90,000 $ 75,000
Iron, Michigan 2 $ 120,000 $ 60,000 $ 100,000
Ramsey, Minnesota 2 $ 740,000 $ 370,000 $ 172,000
Scott, Minnesota 2 $ 220,000 $ 110,000 $ 115,000
Wright, Minnesota 2 $ 520,000 $ 260,000 $ 113,000
Benson, North Dakota 2 $ 50,000 $ 25,000 $ 45,000
Moore, Tennessee 2 $ 2,090,000 $ 1,045,000 $ 590,000
Ashland, Wisconsin 2 $ 320,000 $ 160,000 $ 332,000
Buffalo, Wisconsin 2 $ 570,000 $ 285,000 $ 75,000
Lafayette, Wisconsin 2 $ 1,290,000 $ 645,000 $ 169,000
Pepin, Wisconsin 2 $ 230,000 $ 115,000 $ 67,000
Walworth, Wisconsin 2 $ 560,000 $ 280,000 $ 222,000
Los Angeles, California 1 $ 715,000 $ 715,000 $ 275,000
Denver, Colorado 1 $ 785,000 $ 785,000 $ 492,000
Douglas, Colorado 1 $ 355,000 $ 355,000 $ 268,000
Jefferson, Colorado 1 $ 45,000 $ 45,000 $ 283,000
Routt, Colorado 1 $ 6,075,000 $ 6,075,000 $ 0
Bay, Florida 1 $ 405,000 $ 405,000 $ 143,000
Dixie, Florida 1 $ 185,000 $ 185,000 $ 73,000
Highlands, Florida 1 $ 335,000 $ 335,000 $ 114,000
Hillsborough, Florida 1 $ 355,000 $ 355,000 $ 100,000
Lake, Florida 1 $ 145,000 $ 145,000 $ 403,000
Monroe, Florida 1 $ 1,525,000 $ 1,525,000 $ 1,320,000
Sumter, Florida 1 $ 315,000 $ 315,000 $ 37,000
Walton, Florida 1 $ 935,000 $ 935,000 $ 0
Cobb, Georgia 1 $ 405,000 $ 405,000 $ 0
Boone, Illinois 1 $ 65,000 $ 65,000 $ 134,000
Lake, Illinois 1 $ 355,000 $ 355,000 $ 305,000
McHenry, Illinois 1 $ 385,000 $ 385,000 $ 210,000
McLean, Illinois 1 $ 125,000 $ 125,000 $ 192,000
Peoria, Illinois 1 $ 345,000 $ 345,000 $ 800,000
St. Clair, Illinois 1 $ 155,000 $ 155,000 $ 52,000
Lake, Indiana 1 $ 635,000 $ 635,000 $ 205,000
Johnson, Iowa 1 $ 85,000 $ 85,000 $ 133,000
Ottawa, Kansas 1 $ 285,000 $ 285,000 $ 0
Hancock, Maine 1 $ 1,505,000 $ 1,505,000 $ 651,000
Plymouth, Massachusetts 1 $ 645,000 $ 645,000 $ 191,000
Allegan, Michigan 1 $ 215,000 $ 215,000 $ 40,000
Baraga, Michigan 1 $ 45,000 $ 45,000 $ 87,000
Berrien, Michigan 1 $ 325,000 $ 325,000 $ 59,000
Crawford, Michigan 1 $ 65,000 $ 65,000 $ 88,000
Houghton, Michigan 1 $ 275,000 $ 275,000 $ 196,000
Kent, Michigan 1 $ 265,000 $ 265,000 $ 137,000
Lake, Michigan 1 $ 75,000 $ 75,000 $ 120,000
Livingston, Michigan 1 $ 575,000 $ 575,000 $ 107,000
Macomb, Michigan 1 $ 135,000 $ 135,000 $ 169,000
Missaukee, Michigan 1 $ 405,000 $ 405,000 $ 137,000
Oakland, Michigan 1 $ 155,000 $ 155,000 $ 232,000
Ontonagon, Michigan 1 $ 95,000 $ 95,000 $ 156,000
Shiawassee, Michigan 1 $ 315,000 $ 315,000 $ 152,000
Washtenaw, Michigan 1 $ 305,000 $ 305,000 $ 103,000
Wayne, Michigan 1 $ 155,000 $ 155,000 $ 191,000
Cass, Minnesota 1 $ 165,000 $ 165,000 $ 108,000
Chisago, Minnesota 1 $ 225,000 $ 225,000 $ 229,000
Douglas, Minnesota 1 $ 255,000 $ 255,000 $ 250,000
McLeod, Minnesota 1 $ 225,000 $ 225,000 $ 92,000
Todd, Minnesota 1 $ 215,000 $ 215,000 $ 288,000
Jefferson, New York 1 $ 55,000 $ 55,000 $ 330,000
Ashe, North Carolina 1 $ 715,000 $ 715,000 $ 358,000
Buncombe, North Carolina 1 $ 1,655,000 $ 1,655,000 $ 0
Mecklenburg, North Carolina 1 $ 75,000 $ 75,000 $ 53,000
Pitt, North Carolina 1 $ 75,000 $ 75,000 $ 153,000
Allegheny, Pennsylvania 1 $ 265,000 $ 265,000 $ 0
Spartanburg, South Carolina 1 $ 265,000 $ 265,000 $ 125,000
Carter, Tennessee 1 $ 635,000 $ 635,000 $ 322,000
Davidson, Tennessee 1 $ 605,000 $ 605,000 $ 157,000
Knox, Tennessee 1 $ 335,000 $ 335,000 $ 85,000
Harris, Texas 1 $ 385,000 $ 385,000 $ 188,000
Harrison, Texas 1 $ 285,000 $ 285,000 $ 410,000
Hidalgo, Texas 1 $ 85,000 $ 85,000 $ 88,000
Cowlitz, Washington 1 $ 495,000 $ 495,000 $ 437,000
Okanogan, Washington 1 $ 215,000 $ 215,000 $ 177,000
Bayfield, Wisconsin 1 $ 185,000 $ 185,000 $ 59,000
Columbia, Wisconsin 1 $ 525,000 $ 525,000 $ 463,000
Crawford, Wisconsin 1 $ 385,000 $ 385,000 $ 115,000
Dodge, Wisconsin 1 $ 155,000 $ 155,000 $ 76,000
Grant, Wisconsin 1 $ 35,000 $ 35,000 $ 68,000
Green Lake, Wisconsin 1 $ 95,000 $ 95,000 $ 0
Jackson, Wisconsin 1 $ 15,000 $ 15,000 $ 35,000
Ozaukee, Wisconsin 1 $ 125,000 $ 125,000 $ 58,000
St. Croix, Wisconsin 1 $ 365,000 $ 365,000 $ 75,000
Washington, Wisconsin 1 $ 55,000 $ 55,000 $ 41,000
Albany, Wyoming 1 $ 95,000 $ 95,000 $ 200,000

Mortgage Loan Application Detail Totals for Nicolet National Bank in 2023

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 2,393 $665,985,000 $278,000 $8,405,000 $147,000 $2,118,000
Home Improvement 577 $46,985,000 $81,000 $1,595,000 $126,000 $1,355,000
Other Purpose 313 $30,255,000 $96,000 $1,505,000 $141,000 $2,252,000
Refinancing 287 $43,365,000 $151,000 $2,155,000 $152,000 $2,571,000
Cash-out Refinancing 91 $15,385,000 $169,000 $455,000 $82,000 $235,000
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 3,160 $672,680,000 $212,000 $2,195,000 $143,000 $2,571,000
Not applicable 220 $71,040,000 $322,000 $8,405,000 $0 $0
Not Provided 123 $27,165,000 $220,000 $885,000 $149,000 $987,000
Hispanic 73 $11,835,000 $162,000 $625,000 $89,000 $364,000
Asian 41 $10,525,000 $256,000 $755,000 $158,000 $400,000
American Indian or Alaskan Native 28 $3,440,000 $122,000 $385,000 $66,000 $233,000
Black or African American 14 $4,640,000 $331,000 $1,155,000 $183,000 $625,000
Native Hawaiian or Other Pacific Islander 2 $650,000 $325,000 $365,000 $78,000 $78,000

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) 3,659 $801,695,000 $219,000 $8,405,000 $142,000 $2,571,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $155,000 $155,000 $155,000 $70,000 $70,000
VA-guaranteed (Veterans Administration) 1 $125,000 $125,000 $125,000 $67,000 $67,000
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 2,444 $523,080,000 $214,000 $8,405,000 $161,000 $2,571,000
Preapproval Approved but not Accepted 593 $164,805,000 $277,000 $1,805,000 $119,000 $791,000
Preapproval Denied by Financial Institution 229 $41,125,000 $179,000 $885,000 $69,000 $500,000
Application Withdrawn By Applicant 198 $44,810,000 $226,000 $1,625,000 $136,000 $965,000
Application Denied By Financial Institution 151 $20,105,000 $133,000 $1,245,000 $86,000 $697,000
Application Approved But Not Accepted 34 $6,410,000 $188,000 $1,095,000 $120,000 $440,000
File Closed For Incompleteness 9 $1,295,000 $143,000 $525,000 $63,000 $177,000
Loan Purchased By The Institution 3 $345,000 $115,000 $155,000 $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 3,281 $740,745,000 $225,000 $8,405,000 $150,000 $2,571,000
Debt-To-Income Ratio 177 $29,625,000 $167,000 $885,000 $66,000 $471,000
Credit History 170 $27,810,000 $163,000 $1,245,000 $87,000 $697,000
Collateral 15 $1,385,000 $92,000 $395,000 $93,000 $160,000
Other 9 $1,395,000 $155,000 $515,000 $80,000 $266,000
Insufficient Cash (Downpayment, Closing Cost) 7 $755,000 $107,000 $185,000 $61,000 $128,000
Employment History 2 $260,000 $130,000 $135,000 $20,000 $41,000
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 2023 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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