Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Stephenson National Bank & Trust of Marinette, WI reported 244 mortgage applications totaling $39.5 million, down 53% from 2021. The average application was for $161,844, and applicants reported an average income of $126,938. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Green Bay, WI (41), Appleton, WI (3) and Deltona-Daytona Beach-Ormond Beach, FL (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 | 244 |
| Total Mortgage Loan Application Amount | $39,490,000 |
| Average Mortgage Loan Application Amount | $161,844 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $126,938 |
| Highest Applicant Income | $816,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 16,490,000 | $ 128,828 | $ 115,000 |
| Menominee, Michigan | 54 | $ 8,400,000 | $ 155,555 | $ 111,000 |
| Oconto, Wisconsin | 29 | $ 5,735,000 | $ 197,758 | $ 125,000 |
| Brown, Wisconsin | 12 | $ 4,270,000 | $ 355,833 | $ 199,000 |
| Vilas, Wisconsin | 3 | $ 625,000 | $ 208,333 | $ 83,000 |
| Delta, Michigan | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Dickinson, Michigan | 2 | $ 220,000 | $ 110,000 | $ 61,000 |
| Marquette, Michigan | 2 | $ 350,000 | $ 175,000 | $ 104,000 |
| Outagamie, Wisconsin | 2 | $ 770,000 | $ 385,000 | $ 816,000 |
| Volusia, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Houghton, Michigan | 1 | $ 245,000 | $ 245,000 | $ 344,000 |
| Iron, Michigan | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Ontonagon, Michigan | 1 | $ 325,000 | $ 325,000 | $ 252,000 |
| Calumet, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| Door, Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 380,000 |
| Florence, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 107,000 |
| Fond du Lac, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Forest, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 143,000 |
| Iron, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 246,000 |
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust 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 | 127 | $24,035,000 | $189,000 | $1,305,000 | $148,000 | $816,000 |
| Cash-out Refinancing | 57 | $6,475,000 | $113,000 | $265,000 | $81,000 | $259,000 |
| Refinancing | 31 | $6,455,000 | $208,000 | $595,000 | $134,000 | $336,000 |
| Home Improvement | 15 | $1,095,000 | $73,000 | $195,000 | $102,000 | $198,000 |
| Other Purpose | 14 | $1,430,000 | $102,000 | $385,000 | $134,000 | $315,000 |
| 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 | 201 | $31,365,000 | $156,000 | $915,000 | $126,000 | $816,000 |
| Not applicable | 26 | $5,480,000 | $210,000 | $595,000 | $0 | $0 |
| Not Provided | 16 | $2,540,000 | $158,000 | $1,305,000 | $121,000 | $587,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $36,000 | $36,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 244 | $39,490,000 | $161,000 | $1,305,000 | $125,000 | $816,000 |
| 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 | 193 | $30,865,000 | $159,000 | $915,000 | $131,000 | $816,000 |
| Application Approved But Not Accepted | 32 | $6,250,000 | $195,000 | $1,305,000 | $119,000 | $587,000 |
| Application Denied By Financial Institution | 13 | $1,645,000 | $126,000 | $585,000 | $52,000 | $103,000 |
| Application Withdrawn By Applicant | 6 | $730,000 | $121,000 | $245,000 | $143,000 | $218,000 |
| 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 | 231 | $37,845,000 | $163,000 | $1,305,000 | $129,000 | $816,000 |
| Credit History | 5 | $395,000 | $79,000 | $115,000 | $57,000 | $88,000 |
| Debt-To-Income Ratio | 5 | $545,000 | $109,000 | $185,000 | $38,000 | $78,000 |
| Collateral | 3 | $705,000 | $235,000 | $585,000 | $74,000 | $103,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stephenson National Bank & Trust'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 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About