Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Stephenson National Bank & Trust of Marinette, WI reported 209 mortgage applications totaling $40.5 million, down 18% from 2023. The average application was for $193,612, and applicants reported an average income of $133,430. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Green Bay, WI (35), Appleton, WI (2) and Oshkosh-Neenah, WI (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 | 209 |
| Total Mortgage Loan Application Amount | $40,465,000 |
| Average Mortgage Loan Application Amount | $193,612 |
| Highest Mortgage Loan Application Amount | $2,725,000 |
| Average Applicant Income | $133,430 |
| Highest Applicant Income | $1,528,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 108 | $ 17,870,000 | $ 165,462 | $ 143,000 |
| Menominee, Michigan | 50 | $ 7,400,000 | $ 148,000 | $ 105,000 |
| Oconto, Wisconsin | 26 | $ 4,850,000 | $ 186,538 | $ 117,000 |
| Brown, Wisconsin | 9 | $ 3,845,000 | $ 427,222 | $ 166,000 |
| Door, Wisconsin | 2 | $ 550,000 | $ 275,000 | $ 87,000 |
| Florence, Wisconsin | 2 | $ 460,000 | $ 230,000 | $ 220,000 |
| Forest, Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 80,000 |
| Outagamie, Wisconsin | 2 | $ 3,430,000 | $ 1,715,000 | $ 434,000 |
| Shawano, Wisconsin | 2 | $ 170,000 | $ 85,000 | $ 76,000 |
| Houghton, Michigan | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Uvalde, Texas | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Langlade, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Sawyer, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 749,000 |
| Vilas, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Winnebago, Wisconsin | 1 | $ 385,000 | $ 385,000 | $ 0 |
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust 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 | 121 | $28,575,000 | $236,000 | $2,725,000 | $125,000 | $677,000 |
| Cash-out Refinancing | 30 | $5,510,000 | $183,000 | $415,000 | $143,000 | $1,528,000 |
| Refinancing | 26 | $3,010,000 | $115,000 | $425,000 | $100,000 | $287,000 |
| Other Purpose | 16 | $1,700,000 | $106,000 | $615,000 | $174,000 | $885,000 |
| Home Improvement | 16 | $1,670,000 | $104,000 | $465,000 | $193,000 | $627,000 |
| 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 | 177 | $30,545,000 | $172,000 | $905,000 | $134,000 | $1,528,000 |
| Not applicable | 19 | $6,475,000 | $340,000 | $2,725,000 | $0 | $0 |
| Not Provided | 9 | $2,645,000 | $293,000 | $1,415,000 | $146,000 | $436,000 |
| Hispanic | 3 | $725,000 | $241,000 | $405,000 | $74,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $63,000 | $63,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 209 | $40,465,000 | $193,000 | $2,725,000 | $134,000 | $1,528,000 |
| 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 | 158 | $29,050,000 | $183,000 | $1,415,000 | $149,000 | $1,528,000 |
| Application Approved But Not Accepted | 26 | $8,130,000 | $312,000 | $2,725,000 | $119,000 | $434,000 |
| Application Denied By Financial Institution | 21 | $2,625,000 | $125,000 | $405,000 | $52,000 | $137,000 |
| Application Withdrawn By Applicant | 4 | $660,000 | $165,000 | $235,000 | $70,000 | $90,000 |
| 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 | 188 | $37,840,000 | $201,000 | $2,725,000 | $143,000 | $1,528,000 |
| Debt-To-Income Ratio | 9 | $1,485,000 | $165,000 | $405,000 | $44,000 | $76,000 |
| Credit History | 8 | $790,000 | $98,000 | $265,000 | $50,000 | $96,000 |
| Collateral | 3 | $335,000 | $111,000 | $185,000 | $77,000 | $137,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 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 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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