Nicolet National Bank Mortgage Lending & HMDA Data, 2024

In 2024, Nicolet National Bank of Green Bay, WI reported 3,899 mortgage applications totaling $993.4 million, up 7% from 2023. The average application was for $254,781, and applicants reported an average income of $155,705. 68% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Green Bay, WI (708), Appleton, WI (300) and Oshkosh-Neenah, WI (232) (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 3,899
Total Mortgage Loan Application Amount $993,395,000
Average Mortgage Loan Application Amount $254,781
Highest Mortgage Loan Application Amount $12,005,000
Average Applicant Income $155,705
Highest Applicant Income $4,779,000

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(HMDA) records Nicolet National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Brown, Wisconsin 571 $ 143,065,000 $ 250,551 $ 189,000
Door, Wisconsin 278 $ 72,310,000 $ 260,107 $ 183,000
Outagamie, Wisconsin 256 $ 64,240,000 $ 250,937 $ 194,000
Winnebago, Wisconsin 232 $ 53,490,000 $ 230,560 $ 167,000
Marathon, Wisconsin 168 $ 30,630,000 $ 182,321 $ 137,000
Vilas, Wisconsin 123 $ 36,005,000 $ 292,723 $ 146,000
Marquette, Michigan 122 $ 19,090,000 $ 156,475 $ 109,000
Oneida, Wisconsin 102 $ 21,650,000 $ 212,254 $ 142,000
Kewaunee, Wisconsin 101 $ 17,155,000 $ 169,851 $ 110,000
Eau Claire, Wisconsin 99 $ 36,415,000 $ 367,828 $ 242,000
Marinette, Wisconsin 68 $ 10,830,000 $ 159,264 $ 107,000
Taylor, Wisconsin 53 $ 7,485,000 $ 141,226 $ 98,000
Chippewa, Michigan 45 $ 11,105,000 $ 246,777 $ 131,000
Calumet, Wisconsin 44 $ 10,420,000 $ 236,818 $ 175,000
Manitowoc, Wisconsin 44 $ 7,440,000 $ 169,090 $ 129,000
Chippewa, Wisconsin 41 $ 22,125,000 $ 539,634 $ 165,000
Grand Traverse, Michigan 37 $ 8,175,000 $ 220,945 $ 135,000
Lincoln, Wisconsin 37 $ 4,095,000 $ 110,675 $ 88,000
Schoolcraft, Michigan 36 $ 5,230,000 $ 145,277 $ 94,000
Oconto, Wisconsin 36 $ 7,180,000 $ 199,444 $ 201,000
Luce, Michigan 29 $ 3,775,000 $ 130,172 $ 105,000
Alpena, Michigan 25 $ 2,905,000 $ 116,200 $ 95,000
Portage, Wisconsin 25 $ 13,105,000 $ 524,200 $ 166,000
Waupaca, Wisconsin 23 $ 6,285,000 $ 273,260 $ 179,000
Clark, Wisconsin 22 $ 2,840,000 $ 129,090 $ 83,000
Barron, Wisconsin 21 $ 3,605,000 $ 171,666 $ 116,000
Menominee, Michigan 18 $ 1,540,000 $ 85,555 $ 71,000
Shawano, Wisconsin 17 $ 4,035,000 $ 237,352 $ 137,000
Cheboygan, Michigan 16 $ 2,010,000 $ 125,625 $ 84,000
Dickinson, Michigan 16 $ 2,360,000 $ 147,500 $ 114,000
Mackinac, Michigan 14 $ 2,540,000 $ 181,428 $ 122,000
Florence, Wisconsin 12 $ 1,640,000 $ 136,666 $ 91,000
Hennepin, Minnesota 11 $ 3,855,000 $ 350,454 $ 238,000
Dunn, Wisconsin 11 $ 10,485,000 $ 953,181 $ 135,000
Fond du Lac, Wisconsin 11 $ 5,805,000 $ 527,727 $ 211,000
Price, Wisconsin 11 $ 2,995,000 $ 272,272 $ 148,000
Wood, Wisconsin 11 $ 2,305,000 $ 209,545 $ 114,000
Montmorency, Michigan 10 $ 1,280,000 $ 128,000 $ 82,000
Alcona, Michigan 9 $ 1,475,000 $ 163,888 $ 196,000
Delta, Michigan 9 $ 915,000 $ 101,666 $ 104,000
Emmet, Michigan 9 $ 1,535,000 $ 170,555 $ 106,000
Kalkaska, Michigan 9 $ 1,375,000 $ 152,777 $ 75,000
Dane, Wisconsin 9 $ 2,645,000 $ 293,888 $ 161,000
Forest, Wisconsin 9 $ 2,675,000 $ 297,222 $ 204,000
Milwaukee, Wisconsin 9 $ 1,805,000 $ 200,555 $ 318,000
Waushara, Wisconsin 9 $ 1,085,000 $ 120,555 $ 71,000
Otsego, Michigan 8 $ 1,110,000 $ 138,750 $ 129,000
Carver, Minnesota 7 $ 1,865,000 $ 266,428 $ 293,000
Waukesha, Wisconsin 7 $ 1,865,000 $ 266,428 $ 675,000
Collier, Florida 6 $ 6,210,000 $ 1,035,000 $ 758,000
Alger, Michigan 6 $ 590,000 $ 98,333 $ 91,000
Antrim, Michigan 6 $ 1,780,000 $ 296,666 $ 177,000
Wexford, Michigan 6 $ 970,000 $ 161,666 $ 89,000
Sheboygan, Wisconsin 6 $ 6,660,000 $ 1,110,000 $ 78,000
Leelanau, Michigan 5 $ 1,705,000 $ 341,000 $ 122,000
Washington, Wisconsin 5 $ 1,765,000 $ 353,000 $ 185,000
Lee, Florida 4 $ 5,000,000 $ 1,250,000 $ 384,000
Buffalo, Wisconsin 4 $ 1,940,000 $ 485,000 $ 448,000
Rusk, Wisconsin 4 $ 1,050,000 $ 262,500 $ 118,000
Sawyer, Wisconsin 4 $ 1,140,000 $ 285,000 $ 149,000
St. Croix, Wisconsin 4 $ 1,600,000 $ 400,000 $ 332,000
Cook, Illinois 3 $ 2,165,000 $ 721,666 $ 301,000
Kendall, Illinois 3 $ 10,995,000 $ 3,665,000 $ 162,000
Charlevoix, Michigan 3 $ 915,000 $ 305,000 $ 186,000
Gogebic, Michigan 3 $ 1,455,000 $ 485,000 $ 174,000
Houghton, Michigan 3 $ 595,000 $ 198,333 $ 130,000
Iron, Michigan 3 $ 1,095,000 $ 365,000 $ 283,000
Macomb, Michigan 3 $ 435,000 $ 145,000 $ 137,000
Ogemaw, Michigan 3 $ 325,000 $ 108,333 $ 69,000
Ontonagon, Michigan 3 $ 275,000 $ 91,666 $ 169,000
Oscoda, Michigan 3 $ 575,000 $ 191,666 $ 107,000
Green Lake, Wisconsin 3 $ 605,000 $ 201,666 $ 102,000
La Crosse, Wisconsin 3 $ 665,000 $ 221,666 $ 110,000
Langlade, Wisconsin 3 $ 615,000 $ 205,000 $ 66,000
Pierce, Wisconsin 3 $ 735,000 $ 245,000 $ 186,000
Maricopa, Arizona 2 $ 570,000 $ 285,000 $ 213,000
Sarasota, Florida 2 $ 1,250,000 $ 625,000 $ 309,000
McHenry, Illinois 2 $ 180,000 $ 90,000 $ 152,000
Crawford, Michigan 2 $ 460,000 $ 230,000 $ 79,000
Iosco, Michigan 2 $ 90,000 $ 45,000 $ 56,000
Kent, Michigan 2 $ 400,000 $ 200,000 $ 91,000
Manistee, Michigan 2 $ 150,000 $ 75,000 $ 57,000
Oakland, Michigan 2 $ 460,000 $ 230,000 $ 91,000
Ottawa, Michigan 2 $ 400,000 $ 200,000 $ 0
Presque Isle, Michigan 2 $ 510,000 $ 255,000 $ 186,000
Douglas, Nebraska 2 $ 430,000 $ 215,000 $ 156,000
Pitt, North Carolina 2 $ 440,000 $ 220,000 $ 158,000
Lane, Oregon 2 $ 900,000 $ 450,000 $ 350,000
Salt Lake, Utah 2 $ 820,000 $ 410,000 $ 827,000
Bayfield, Wisconsin 2 $ 1,550,000 $ 775,000 $ 280,000
Jefferson, Wisconsin 2 $ 400,000 $ 200,000 $ 103,000
Polk, Wisconsin 2 $ 610,000 $ 305,000 $ 69,000
Rock, Wisconsin 2 $ 430,000 $ 215,000 $ 206,000
Los Angeles, California 1 $ 715,000 $ 715,000 $ 300,000
Orange, California 1 $ 1,485,000 $ 1,485,000 $ 322,000
Riverside, California 1 $ 1,515,000 $ 1,515,000 $ 349,000
Weld, Colorado 1 $ 305,000 $ 305,000 $ 169,000
Charlotte, Florida 1 $ 465,000 $ 465,000 $ 236,000
Clay, Florida 1 $ 205,000 $ 205,000 $ 130,000
Hillsborough, Florida 1 $ 405,000 $ 405,000 $ 642,000
Lake, Florida 1 $ 445,000 $ 445,000 $ 143,000
Manatee, Florida 1 $ 455,000 $ 455,000 $ 99,000
Miami-Dade, Florida 1 $ 515,000 $ 515,000 $ 534,000
Monroe, Florida 1 $ 375,000 $ 375,000 $ 373,000
Pinellas, Florida 1 $ 105,000 $ 105,000 $ 125,000
Polk, Florida 1 $ 325,000 $ 325,000 $ 245,000
St. Lucie, Florida 1 $ 695,000 $ 695,000 $ 263,000
Volusia, Florida 1 $ 265,000 $ 265,000 $ 38,000
Boone, Illinois 1 $ 245,000 $ 245,000 $ 90,000
DeKalb, Illinois 1 $ 125,000 $ 125,000 $ 170,000
Lake, Illinois 1 $ 75,000 $ 75,000 $ 203,000
Lee, Illinois 1 $ 75,000 $ 75,000 $ 125,000
Porter, Indiana 1 $ 105,000 $ 105,000 $ 46,000
Scott, Iowa 1 $ 125,000 $ 125,000 $ 0
Campbell, Kentucky 1 $ 405,000 $ 405,000 $ 0
Middlesex, Massachusetts 1 $ 605,000 $ 605,000 $ 170,000
Benzie, Michigan 1 $ 255,000 $ 255,000 $ 65,000
Kalamazoo, Michigan 1 $ 735,000 $ 735,000 $ 325,000
Lake, Michigan 1 $ 235,000 $ 235,000 $ 75,000
Livingston, Michigan 1 $ 385,000 $ 385,000 $ 129,000
Osceola, Michigan 1 $ 115,000 $ 115,000 $ 34,000
Wayne, Michigan 1 $ 95,000 $ 95,000 $ 120,000
Anoka, Minnesota 1 $ 325,000 $ 325,000 $ 0
Blue Earth, Minnesota 1 $ 205,000 $ 205,000 $ 185,000
Cook, Minnesota 1 $ 145,000 $ 145,000 $ 0
Dakota, Minnesota 1 $ 195,000 $ 195,000 $ 72,000
Martin, Minnesota 1 $ 135,000 $ 135,000 $ 29,000
Olmsted, Minnesota 1 $ 155,000 $ 155,000 $ 250,000
Ramsey, Minnesota 1 $ 45,000 $ 45,000 $ 88,000
Scott, Minnesota 1 $ 265,000 $ 265,000 $ 0
Stearns, Minnesota 1 $ 105,000 $ 105,000 $ 517,000
Washington, Minnesota 1 $ 115,000 $ 115,000 $ 69,000
Bronx, New York 1 $ 355,000 $ 355,000 $ 54,000
Franklin, North Carolina 1 $ 295,000 $ 295,000 $ 178,000
Gaston, North Carolina 1 $ 285,000 $ 285,000 $ 178,000
Wilson, North Carolina 1 $ 1,005,000 $ 1,005,000 $ 0
Athens, Ohio 1 $ 175,000 $ 175,000 $ 77,000
Hamilton, Ohio 1 $ 335,000 $ 335,000 $ 250,000
Lorain, Ohio 1 $ 275,000 $ 275,000 $ 231,000
Perry, Ohio 1 $ 195,000 $ 195,000 $ 77,000
Beaufort, South Carolina 1 $ 235,000 $ 235,000 $ 318,000
Blount, Tennessee 1 $ 475,000 $ 475,000 $ 0
Bradley, Tennessee 1 $ 125,000 $ 125,000 $ 48,000
Knox, Tennessee 1 $ 345,000 $ 345,000 $ 0
Comal, Texas 1 $ 605,000 $ 605,000 $ 3,552,000
Denton, Texas 1 $ 225,000 $ 225,000 $ 101,000
Harrison, Texas 1 $ 415,000 $ 415,000 $ 414,000
Lynchburg, Virginia 1 $ 215,000 $ 215,000 $ 944,000
Chelan, Washington 1 $ 635,000 $ 635,000 $ 475,000
Adams, Wisconsin 1 $ 195,000 $ 195,000 $ 215,000
Ashland, Wisconsin 1 $ 15,000 $ 15,000 $ 33,000
Columbia, Wisconsin 1 $ 285,000 $ 285,000 $ 105,000
Dodge, Wisconsin 1 $ 255,000 $ 255,000 $ 519,000
Grant, Wisconsin 1 $ 265,000 $ 265,000 $ 93,000
Iron, Wisconsin 1 $ 45,000 $ 45,000 $ 38,000
Lafayette, Wisconsin 1 $ 155,000 $ 155,000 $ 627,000
Menominee, Wisconsin 1 $ 345,000 $ 345,000 $ 193,000
Ozaukee, Wisconsin 1 $ 1,045,000 $ 1,045,000 $ 400,000
Racine, Wisconsin 1 $ 765,000 $ 765,000 $ 0
Sauk, Wisconsin 1 $ 275,000 $ 275,000 $ 52,000
Trempealeau, Wisconsin 1 $ 25,000 $ 25,000 $ 50,000
Washburn, Wisconsin 1 $ 235,000 $ 235,000 $ 62,000

Mortgage Loan Application Detail Totals for Nicolet National Bank in 2024

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 2,451 $782,995,000 $319,000 $12,005,000 $158,000 $4,603,000
Home Improvement 604 $55,970,000 $92,000 $1,005,000 $146,000 $4,779,000
Refinancing 418 $89,790,000 $214,000 $6,855,000 $174,000 $3,678,000
Other Purpose 320 $41,920,000 $131,000 $805,000 $151,000 $1,299,000
Cash-out Refinancing 106 $22,720,000 $214,000 $1,115,000 $100,000 $618,000
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 3,282 $764,280,000 $232,000 $3,205,000 $156,000 $4,779,000
Not applicable 251 $134,285,000 $535,000 $12,005,000 $0 $0
Not Provided 145 $41,665,000 $287,000 $2,145,000 $181,000 $978,000
Hispanic 108 $23,800,000 $220,000 $905,000 $117,000 $995,000
Asian 58 $17,640,000 $304,000 $1,485,000 $165,000 $1,179,000
American Indian or Alaskan Native 32 $5,500,000 $171,000 $445,000 $75,000 $374,000
Black or African American 22 $6,050,000 $275,000 $1,195,000 $169,000 $860,000
Native Hawaiian or Other Pacific Islander 1 $175,000 $175,000 $175,000 $159,000 $159,000

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) 3,898 $993,080,000 $254,000 $12,005,000 $156,000 $4,779,000
VA-guaranteed (Veterans Administration) 1 $315,000 $315,000 $315,000 $134,000 $134,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 2,667 $668,505,000 $250,000 $12,005,000 $172,000 $4,779,000
Preapproval Approved but not Accepted 628 $194,320,000 $309,000 $3,205,000 $142,000 $4,603,000
Application Withdrawn By Applicant 244 $65,780,000 $269,000 $5,815,000 $137,000 $1,299,000
Preapproval Denied by Financial Institution 170 $33,270,000 $195,000 $765,000 $72,000 $418,000
Application Denied By Financial Institution 150 $22,730,000 $151,000 $1,105,000 $82,000 $374,000
Application Approved But Not Accepted 34 $6,970,000 $205,000 $885,000 $112,000 $395,000
File Closed For Incompleteness 6 $1,820,000 $303,000 $1,085,000 $112,000 $350,000
Loan Purchased By The 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 3,579 $937,395,000 $261,000 $12,005,000 $163,000 $4,779,000
Debt-To-Income Ratio 160 $30,420,000 $190,000 $1,105,000 $65,000 $257,000
Credit History 124 $19,220,000 $155,000 $705,000 $86,000 $418,000
Collateral 20 $2,450,000 $122,000 $515,000 $102,000 $370,000
Insufficient Cash (Downpayment, Closing Cost) 8 $3,070,000 $383,000 $795,000 $100,000 $230,000
Other 4 $440,000 $110,000 $195,000 $91,000 $114,000
Employment History 2 $180,000 $90,000 $145,000 $20,000 $41,000
Credit Application Incomplete 1 $45,000 $45,000 $45,000 $82,000 $82,000
Unverifiable Information 1 $175,000 $175,000 $175,000 $180,000 $180,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Nicolet National Bank's 2024 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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