Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Stephenson National Bank & Trust of Marinette, WI reported 294 mortgage applications totaling $24.8 million, about the same as 2007. The average application was for $84,360, and applicants reported an average income of $59,183. 78% of its applications resulted in an originated loan and 14% were denied. Its largest market was Green Bay, WI (49).
| 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 | 294 |
| Total Mortgage Loan Application Amount | $24,802,000 |
| Average Mortgage Loan Application Amount | $84,360 |
| Highest Mortgage Loan Application Amount | $693,000 |
| Average Applicant Income | $59,183 |
| Highest Applicant Income | $480,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Stephenson National Bank & Trust in 2008
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 | 170 | $16,829,000 | $98,000 | $693,000 | $57,000 | $480,000 |
| Home Purchase | 98 | $7,060,000 | $72,000 | $370,000 | $67,000 | $468,000 |
| Home Improvement | 26 | $913,000 | $35,000 | $168,000 | $44,000 | $108,000 |
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 | 272 | $23,043,000 | $84,000 | $693,000 | $61,000 | $480,000 |
| Not applicable | 12 | $1,217,000 | $101,000 | $228,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $79,000 | $26,000 | $31,000 | $56,000 | $108,000 |
| Not Provided | 2 | $292,000 | $146,000 | $170,000 | $89,000 | $150,000 |
| Asian | 2 | $52,000 | $26,000 | $34,000 | $53,000 | $58,000 |
| Hispanic | 2 | $88,000 | $44,000 | $63,000 | $42,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $31,000 | $31,000 | $31,000 | $57,000 | $57,000 |
| 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) | 294 | $24,802,000 | $84,000 | $693,000 | $59,000 | $480,000 |
| 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 | 228 | $19,534,000 | $85,000 | $693,000 | $61,000 | $480,000 |
| Application Denied By Financial Institution | 41 | $2,970,000 | $72,000 | $235,000 | $45,000 | $115,000 |
| Application Withdrawn By Applicant | 16 | $1,272,000 | $79,000 | $170,000 | $57,000 | $150,000 |
| Application Approved But Not Accepted | 8 | $984,000 | $123,000 | $370,000 | $77,000 | $261,000 |
| File Closed For Incompleteness | 1 | $42,000 | $42,000 | $42,000 | $29,000 | $29,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 18 | $1,492,000 | $82,000 | $235,000 | $41,000 | $115,000 |
| Credit History | 16 | $1,125,000 | $70,000 | $136,000 | $50,000 | $87,000 |
| Collateral | 7 | $353,000 | $50,000 | $90,000 | $45,000 | $91,000 |
| 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 |
| 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 2008 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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