Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Stephenson National Bank & Trust of Marinette, WI reported 355 mortgage applications totaling $38.6 million, up 7% from 2010. The average application was for $108,754, and applicants reported an average income of $78,064. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Green Bay, WI (51), Milwaukee-Waukesha-West Allis, WI (2) and Phoenix-Mesa-Glendale, AZ (1) (applications in parentheses).
| Mortgage Company & Address | Stephenson National Bank & Trust 1820 Hall Ave Marinette, WI 54143 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 |
| Total Number of Mortgage Applications | 355 |
| Total Mortgage Loan Application Amount | $38,608,000 |
| Average Mortgage Loan Application Amount | $108,754 |
| Highest Mortgage Loan Application Amount | $577,000 |
| Average Applicant Income | $78,064 |
| Highest Applicant Income | $609,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Menominee, Michigan | 151 | $ 16,150,000 | $ 106,953 | $ 72,000 |
| Marinette, Wisconsin | 145 | $ 15,464,000 | $ 106,648 | $ 80,000 |
| Oconto, Wisconsin | 48 | $ 4,896,000 | $ 102,000 | $ 78,000 |
| Brown, Wisconsin | 3 | $ 418,000 | $ 139,333 | $ 89,000 |
| Door, Wisconsin | 3 | $ 871,000 | $ 290,333 | $ 173,000 |
| Milwaukee, Wisconsin | 2 | $ 248,000 | $ 124,000 | $ 60,000 |
| Maricopa, Arizona | 1 | $ 110,000 | $ 110,000 | $ 17,000 |
| Marquette, Michigan | 1 | $ 274,000 | $ 274,000 | $ 383,000 |
| Forest, Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust in 2011
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 | 254 | $30,514,000 | $120,000 | $577,000 | $81,000 | $609,000 |
| Home Purchase | 92 | $7,509,000 | $81,000 | $417,000 | $73,000 | $450,000 |
| Home Improvement | 9 | $585,000 | $65,000 | $163,000 | $47,000 | $87,000 |
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 | 342 | $36,778,000 | $107,000 | $577,000 | $81,000 | $609,000 |
| Not applicable | 10 | $1,723,000 | $172,000 | $570,000 | $0 | $0 |
| Hispanic | 2 | $96,000 | $48,000 | $50,000 | $31,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $11,000 | $11,000 | $11,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 355 | $38,608,000 | $108,000 | $577,000 | $78,000 | $609,000 |
| 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 |
| VA-guaranteed (Veterans 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 | 269 | $30,437,000 | $113,000 | $577,000 | $85,000 | $609,000 |
| Application Denied By Financial Institution | 55 | $4,990,000 | $90,000 | $275,000 | $42,000 | $139,000 |
| Application Withdrawn By Applicant | 20 | $1,778,000 | $88,000 | $184,000 | $58,000 | $145,000 |
| Application Approved But Not Accepted | 10 | $1,378,000 | $137,000 | $379,000 | $128,000 | $450,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 24 | $2,224,000 | $92,000 | $275,000 | $41,000 | $139,000 |
| Credit History | 23 | $1,914,000 | $83,000 | $165,000 | $40,000 | $75,000 |
| Employment History | 3 | $204,000 | $68,000 | $100,000 | $43,000 | $62,000 |
| Collateral | 3 | $396,000 | $132,000 | $200,000 | $52,000 | $91,000 |
| Mortgage Insurance Denied | 1 | $103,000 | $103,000 | $103,000 | $54,000 | $54,000 |
| Other | 1 | $149,000 | $149,000 | $149,000 | $53,000 | $53,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stephenson National Bank & Trust's 2011 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 Stephenson National Bank & Trust'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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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