Pepin County, WI Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 381 mortgage applications in Pepin County, WI totaling $47.2 million, down 18% from 2007. The average application was for $123,000, and applicants reported an average income of $69,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was Westconsin Credit Union, with 33 applications, followed by Associated Bank, N.A. and Wells Fargo Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 381 |
| Total Mortgage Loan Application Amount | $47,157,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $1,002,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $2,113,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 524,481,000 | 33 | $ 3,403,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 32 | $ 3,889,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 30 | $ 4,185,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 27 | $ 1,312,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 22 | $ 3,322,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 20 | $ 2,724,000 |
| Bank of Alma PO BOX 247 ALMA, WI 54610 |
* | $ 187,737,000 | 18 | $ 1,329,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 14 | $ 1,705,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 14 | $ 2,314,000 |
| Citizens Community Federal PO BOX 218 ALTOONA, WI 54720 |
* | $ 409,430,000 | 12 | $ 1,511,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 1,086,000 |
| First State Bank of Wabasha 111 WEST MAIN STREET WABASHA, MN 55981 |
* | $ 101,807,000 | 10 | $ 582,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 53,720,915,000 | 10 | $ 1,528,000 |
| Bremer Bank NA (Menomonie) 605 2ND ST MENOMONIE, WI 54751 |
* | $ 577,439,000 | 8 | $ 819,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 801,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 476,020,000 | 7 | $ 1,046,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 7 | $ 1,660,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 6 | $ 435,000 |
| United Bank 50518 CHARLES STREET OSSEO, WI 54758 |
* | $ 205,727,000 | 6 | $ 739,000 |
| Wells Fargo Finl Wisconsin Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 5 | $ 459,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 4 | $ 445,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 448,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 737,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 3 | $ 243,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 3 | $ 582,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,343,178,000 | 3 | $ 788,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 406,348,000 | 3 | $ 223,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 640,573,000 | 2 | $ 476,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 329,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 282,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 176,661,000 | 2 | $ 188,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 2 | $ 71,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 16,041,338,000 | 2 | $ 169,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 832,424,000 | 2 | $ 154,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 2 | $ 307,000 |
| Bank Mutual 4949 W BROWN DEER ROAD MILWAUKEE, WI 53224 |
* | $ 3,487,108,000 | 2 | $ 170,000 |
| Inter Savings Bank, FSB 13601 80TH CIRCLE N MAPLE GROVE, MN 55369 |
* | $ 962,850,000 | 2 | $ 510,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 322,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,222,682,000 | 2 | $ 302,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 279,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 161,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 182,000 |
| River Funding Corporation 1580 HERITAGE BLVD SUITE 200 WEST SALEM, WI 54669 |
* | $ 10,000,000 | 1 | $ 100,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Lakeland Mortgage Corporation 8300 NORMAN CENTER DRIVE SUITE 240 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 119,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 115,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 90,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 13,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 194,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 14,762,983,000 | 1 | $ 400,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 156,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 87,000 |
| Citi Residential Lending Inc. 153 EAST 53RD ST, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,121,487,000 | 1 | $ 189,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 182,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 120,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 176,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,677,827,000 | 1 | $ 99,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 479,000 |
| Citizens Bancshares of Woodville, Inc. 375 STAGELINE RD PO BOX 247 HUDSON, WI 54016 |
* | $ 200,155,000 | 1 | $ 47,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 384,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,507,032,000 | 1 | $ 359,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 325,765,000 | 1 | $ 175,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 60,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 189,000 |
The tables below break down 2008 mortgage applications in Pepin County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pepin County, WI 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 | 274 | $35,194,000 | $128,000 | $1,002,000 | $70,000 | $2,113,000 |
| Home Purchase | 85 | $10,071,000 | $118,000 | $479,000 | $67,000 | $529,000 |
| Home Improvement | 22 | $1,892,000 | $86,000 | $384,000 | $64,000 | $180,000 |
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 | 327 | $40,609,000 | $124,000 | $1,002,000 | $69,000 | $2,113,000 |
| Not Provided | 40 | $4,670,000 | $116,000 | $479,000 | $71,000 | $529,000 |
| Not applicable | 9 | $892,000 | $99,000 | $153,000 | $17,000 | $77,000 |
| American Indian or Alaskan Native | 4 | $790,000 | $197,000 | $396,000 | $195,000 | $349,000 |
| Hispanic | 1 | $196,000 | $196,000 | $196,000 | $92,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 317 | $38,657,000 | $121,000 | $1,002,000 | $70,000 | $2,113,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,552,000 | $137,000 | $275,000 | $67,000 | $624,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $392,000 | $78,000 | $129,000 | $31,000 | $43,000 |
| VA-guaranteed (Veterans Administration) | 4 | $556,000 | $139,000 | $239,000 | $35,000 | $53,000 |
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 | 170 | $19,636,000 | $115,000 | $1,002,000 | $78,000 | $2,113,000 |
| Application Denied By Financial Institution | 100 | $12,315,000 | $123,000 | $384,000 | $53,000 | $227,000 |
| Application Withdrawn By Applicant | 39 | $6,219,000 | $159,000 | $479,000 | $87,000 | $529,000 |
| Application Approved But Not Accepted | 38 | $4,476,000 | $117,000 | $400,000 | $56,000 | $175,000 |
| Loan Purchased By The Institution | 25 | $3,101,000 | $124,000 | $251,000 | $44,000 | $118,000 |
| File Closed For Incompleteness | 9 | $1,410,000 | $156,000 | $300,000 | $118,000 | $624,000 |
| 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 | 16 | $2,053,000 | $128,000 | $234,000 | $45,000 | $111,000 |
| Collateral | 16 | $2,307,000 | $144,000 | $384,000 | $65,000 | $227,000 |
| Credit History | 14 | $2,038,000 | $145,000 | $344,000 | $65,000 | $138,000 |
| Other | 4 | $487,000 | $121,000 | $184,000 | $53,000 | $105,000 |
| Credit Application Incomplete | 3 | $391,000 | $130,000 | $167,000 | $84,000 | $122,000 |
| Unverifiable Information | 1 | $148,000 | $148,000 | $148,000 | $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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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