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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 198 | $ 27,940,000 | $ 141,111 | $ 117,363 |
| Green Bay, WI | 41 | $ 10,005,000 | $ 244,024 | $ 146,000 |
| Appleton, WI | 3 | $ 1,025,000 | $ 341,666 | $ 457,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
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.
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