Stephenson National Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Stephenson National Bank & Trust of Marinette, WI reported 393 mortgage applications totaling $42.2 million, down 18% from 2012. The average application was for $107,458, and applicants reported an average income of $79,788. 76% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Green Bay, WI (75), Appleton, WI (1) 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 | 393 |
| Total Mortgage Loan Application Amount | $42,231,000 |
| Average Mortgage Loan Application Amount | $107,458 |
| Highest Mortgage Loan Application Amount | $832,000 |
| Average Applicant Income | $79,788 |
| Highest Applicant Income | $650,000 |
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Stephenson National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 234 | $26,125,000 | $111,000 | $690,000 | $79,000 | $650,000 |
| Home Purchase | 122 | $13,400,000 | $109,000 | $832,000 | $87,000 | $470,000 |
| Home Improvement | 37 | $2,706,000 | $73,000 | $265,000 | $61,000 | $127,000 |
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 | 376 | $40,435,000 | $107,000 | $832,000 | $83,000 | $650,000 |
| Not applicable | 14 | $1,436,000 | $102,000 | $307,000 | $0 | $0 |
| Not Provided | 1 | $109,000 | $109,000 | $109,000 | $79,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $37,000 | $37,000 |
| Asian | 1 | $181,000 | $181,000 | $181,000 | $78,000 | $78,000 |
| 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 |
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) | 393 | $42,231,000 | $107,000 | $832,000 | $80,000 | $650,000 |
| 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 | 300 | $32,776,000 | $109,000 | $832,000 | $85,000 | $650,000 |
| Application Denied By Financial Institution | 54 | $5,179,000 | $95,000 | $356,000 | $58,000 | $159,000 |
| Application Withdrawn By Applicant | 25 | $2,362,000 | $94,000 | $210,000 | $62,000 | $115,000 |
| Application Approved But Not Accepted | 14 | $1,914,000 | $136,000 | $293,000 | $85,000 | $187,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $2,573,000 | $85,000 | $356,000 | $60,000 | $159,000 |
| Debt-To-Income Ratio | 11 | $1,335,000 | $121,000 | $207,000 | $46,000 | $114,000 |
| Collateral | 10 | $974,000 | $97,000 | $218,000 | $71,000 | $126,000 |
| Mortgage Insurance Denied | 1 | $157,000 | $157,000 | $157,000 | $67,000 | $67,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stephenson National Bank & Trust's 2013 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.
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