Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Stephenson National Bank & Trust of Marinette, WI reported 320 mortgage applications totaling $49.3 million, up 2% from 2018. The average application was for $154,156, and applicants reported an average income of $102,646. 85% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Green Bay, WI (36), Appleton, WI (2) and Oshkosh-Neenah, WI (2) (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 | 320 |
| Total Mortgage Loan Application Amount | $49,330,000 |
| Average Mortgage Loan Application Amount | $154,156 |
| Highest Mortgage Loan Application Amount | $9,475,000 |
| Average Applicant Income | $102,646 |
| Highest Applicant Income | $1,020,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Marinette, Wisconsin | 188 | $ 21,640,000 | $ 115,106 | $ 93,000 |
| Menominee, Michigan | 80 | $ 19,200,000 | $ 240,000 | $ 100,000 |
| Oconto, Wisconsin | 28 | $ 3,820,000 | $ 136,428 | $ 88,000 |
| Brown, Wisconsin | 8 | $ 1,720,000 | $ 215,000 | $ 242,000 |
| Dickinson, Michigan | 2 | $ 200,000 | $ 100,000 | $ 88,000 |
| Marquette, Michigan | 2 | $ 380,000 | $ 190,000 | $ 166,000 |
| Outagamie, Wisconsin | 2 | $ 230,000 | $ 115,000 | $ 54,000 |
| Winnebago, Wisconsin | 2 | $ 430,000 | $ 215,000 | $ 276,000 |
| Rio Blanco, Colorado | 1 | $ 205,000 | $ 205,000 | $ 127,000 |
| Collier, Florida | 1 | $ 175,000 | $ 175,000 | $ 236,000 |
| Palm Beach, Florida | 1 | $ 195,000 | $ 195,000 | $ 280,000 |
| Sarasota, Florida | 1 | $ 305,000 | $ 305,000 | $ 283,000 |
| Door, Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 413,000 |
| Forest, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Lincoln, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Marathon, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 317,000 |
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust in 2019
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 | 164 | $21,980,000 | $134,000 | $835,000 | $103,000 | $1,020,000 |
| Cash-out Refinancing | 72 | $7,860,000 | $109,000 | $365,000 | $88,000 | $432,000 |
| Refinancing | 63 | $17,915,000 | $284,000 | $9,475,000 | $127,000 | $500,000 |
| Other Purpose | 11 | $1,075,000 | $97,000 | $315,000 | $88,000 | $283,000 |
| Home Improvement | 10 | $500,000 | $50,000 | $105,000 | $65,000 | $131,000 |
| 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 | 296 | $35,010,000 | $118,000 | $555,000 | $103,000 | $1,020,000 |
| Not applicable | 19 | $13,865,000 | $729,000 | $9,475,000 | $0 | $0 |
| Not Provided | 2 | $270,000 | $135,000 | $165,000 | $96,000 | $137,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $50,000 | $50,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $59,000 | $59,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 320 | $49,330,000 | $154,000 | $9,475,000 | $102,000 | $1,020,000 |
| 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 | 272 | $44,960,000 | $165,000 | $9,475,000 | $106,000 | $1,020,000 |
| Application Approved But Not Accepted | 30 | $3,030,000 | $101,000 | $365,000 | $89,000 | $280,000 |
| Application Denied By Financial Institution | 16 | $1,140,000 | $71,000 | $175,000 | $55,000 | $115,000 |
| Application Withdrawn By Applicant | 2 | $200,000 | $100,000 | $125,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 304 | $48,190,000 | $158,000 | $9,475,000 | $105,000 | $1,020,000 |
| Credit History | 9 | $545,000 | $60,000 | $175,000 | $46,000 | $84,000 |
| Debt-To-Income Ratio | 4 | $430,000 | $107,000 | $125,000 | $65,000 | $92,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $115,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $38,000 | $38,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stephenson National Bank & Trust's 2019 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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