Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Stephenson National Bank & Trust of Marinette, WI reported 731 mortgage applications totaling $116.6 million, up 128% from 2019. The average application was for $159,514, and applicants reported an average income of $106,478. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Green Bay, WI (139), Appleton, WI (10) and Oshkosh-Neenah, WI (4) (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 | 731 |
| Total Mortgage Loan Application Amount | $116,605,000 |
| Average Mortgage Loan Application Amount | $159,514 |
| Highest Mortgage Loan Application Amount | $3,715,000 |
| Average Applicant Income | $106,478 |
| Highest Applicant Income | $2,577,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 572 | $ 82,240,000 | $ 143,776 | $ 99,744 |
| Green Bay, WI | 139 | $ 30,035,000 | $ 216,079 | $ 123,000 |
| Appleton, WI | 10 | $ 2,220,000 | $ 222,000 | $ 204,000 |
| Oshkosh-Neenah, WI | 4 | $ 1,240,000 | $ 310,000 | $ 205,000 |
| Sheboygan, WI | 2 | $ 150,000 | $ 75,000 | $ 108,000 |
| Wausau, WI | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Chicago-Naperville, IL | 1 | $ 375,000 | $ 375,000 | $ 330,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust in 2020
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 | 310 | $54,980,000 | $177,000 | $3,715,000 | $118,000 | $2,577,000 |
| Home Purchase | 201 | $33,625,000 | $167,000 | $2,305,000 | $100,000 | $693,000 |
| Cash-out Refinancing | 200 | $25,990,000 | $129,000 | $365,000 | $94,000 | $1,477,000 |
| Home Improvement | 12 | $970,000 | $80,000 | $275,000 | $109,000 | $217,000 |
| Other Purpose | 8 | $1,040,000 | $130,000 | $285,000 | $131,000 | $266,000 |
| 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 | 665 | $96,795,000 | $145,000 | $2,305,000 | $107,000 | $2,577,000 |
| Not applicable | 31 | $15,335,000 | $494,000 | $3,715,000 | $0 | $0 |
| Not Provided | 23 | $3,125,000 | $135,000 | $465,000 | $107,000 | $266,000 |
| Hispanic | 6 | $800,000 | $133,000 | $325,000 | $88,000 | $214,000 |
| American Indian or Alaskan Native | 5 | $445,000 | $89,000 | $135,000 | $77,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $106,000 | $106,000 |
| Asian | 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) | 731 | $116,605,000 | $159,000 | $3,715,000 | $106,000 | $2,577,000 |
| 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 | 644 | $101,490,000 | $157,000 | $3,715,000 | $108,000 | $2,577,000 |
| Application Approved But Not Accepted | 58 | $7,990,000 | $137,000 | $375,000 | $94,000 | $330,000 |
| Application Denied By Financial Institution | 28 | $4,820,000 | $172,000 | $705,000 | $84,000 | $356,000 |
| File Closed For Incompleteness | 1 | $2,305,000 | $2,305,000 | $2,305,000 | $0 | $0 |
| Application Withdrawn By Applicant | 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 | 703 | $111,785,000 | $159,000 | $3,715,000 | $107,000 | $2,577,000 |
| Debt-To-Income Ratio | 15 | $2,305,000 | $153,000 | $415,000 | $66,000 | $168,000 |
| Credit History | 9 | $1,385,000 | $153,000 | $625,000 | $96,000 | $225,000 |
| Collateral | 2 | $390,000 | $195,000 | $275,000 | $52,000 | $55,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $705,000 | $705,000 | $705,000 | $356,000 | $356,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stephenson National Bank & Trust's 2020 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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