Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Stephenson National Bank & Trust of Marinette, WI reported 314 mortgage applications totaling $40.9 million, up 7% from 2017. The average application was for $130,191, and applicants reported an average income of $148,092. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Green Bay, WI (34) and Appleton, WI (2).
| 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 | 314 |
| Total Mortgage Loan Application Amount | $40,880,000 |
| Average Mortgage Loan Application Amount | $130,191 |
| Highest Mortgage Loan Application Amount | $7,215,000 |
| Average Applicant Income | $148,092 |
| Highest Applicant Income | $9,565,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 278 | $ 36,210,000 | $ 130,251 | $ 148,953 |
| Green Bay, WI | 34 | $ 4,240,000 | $ 124,705 | $ 103,000 |
| Appleton, WI | 2 | $ 430,000 | $ 215,000 | $ 173,000 |
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust in 2018
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 | 183 | $26,605,000 | $145,000 | $7,215,000 | $152,000 | $9,565,000 |
| Cash-out Refinancing | 60 | $6,160,000 | $102,000 | $245,000 | $79,000 | $389,000 |
| Refinancing | 47 | $6,735,000 | $143,000 | $1,335,000 | $246,000 | $2,391,000 |
| Home Improvement | 13 | $535,000 | $41,000 | $155,000 | $97,000 | $348,000 |
| Other Purpose | 11 | $845,000 | $76,000 | $155,000 | $102,000 | $546,000 |
| 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 | 278 | $28,590,000 | $102,000 | $385,000 | $144,000 | $9,565,000 |
| Not applicable | 27 | $11,725,000 | $434,000 | $7,215,000 | $0 | $0 |
| Hispanic | 4 | $330,000 | $82,000 | $125,000 | $301,000 | $550,000 |
| American Indian or Alaskan Native | 2 | $120,000 | $60,000 | $85,000 | $53,000 | $60,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $37,000 | $37,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $36,000 | $36,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| 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) | 314 | $40,880,000 | $130,000 | $7,215,000 | $144,000 | $9,565,000 |
| 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 | 257 | $35,285,000 | $137,000 | $7,215,000 | $160,000 | $9,565,000 |
| Application Denied By Financial Institution | 27 | $2,305,000 | $85,000 | $215,000 | $47,000 | $124,000 |
| Application Approved But Not Accepted | 26 | $2,960,000 | $113,000 | $325,000 | $94,000 | $550,000 |
| Application Withdrawn By Applicant | 4 | $330,000 | $82,000 | $115,000 | $148,000 | $366,000 |
| 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 | 287 | $38,575,000 | $134,000 | $7,215,000 | $153,000 | $9,565,000 |
| Credit History | 12 | $880,000 | $73,000 | $205,000 | $48,000 | $124,000 |
| Debt-To-Income Ratio | 12 | $1,070,000 | $89,000 | $215,000 | $45,000 | $103,000 |
| Collateral | 2 | $260,000 | $130,000 | $175,000 | $62,000 | $70,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $42,000 | $42,000 |
| 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 2018 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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