Pepin County, WI Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 263 mortgage applications in Pepin County, WI totaling $35.8 million, down 14% from 2012. The average application was for $136,000, and applicants reported an average income of $75,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was Westconsin Credit Union, with 42 applications, followed by Wells Fargo Bank NA and Royal Credit Union.
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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 | 263 |
| Total Mortgage Loan Application Amount | $35,800,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $2,977,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $623,000 |
* 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 |
* | $ 825,262,000 | 42 | $ 4,723,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 18 | $ 2,350,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,295,129,000 | 18 | $ 2,193,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,260,580,000 | 15 | $ 1,480,000 |
| Citizens Community Federal 2174 EASTRIDGE CENTER EAU CLAIRE, WI 54701 |
* | $ 534,533,000 | 14 | $ 1,786,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 11 | $ 1,653,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 1,398,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 8 | $ 4,343,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ 110,617,000 | 8 | $ 927,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 7 | $ 736,000 |
| Bank of Alma PO BOX 247 ALMA, WI 54610 |
* | $ 197,811,000 | 7 | $ 520,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 173,705,000 | 6 | $ 578,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,416,245,000 | 6 | $ 722,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 5 | $ 641,000 |
| Bremer Bank NA (Menomonie) 605 2ND ST MENOMONIE, WI 54751 |
* | $ 684,275,000 | 5 | $ 343,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 412,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 451,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 348,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 327,000 |
| Performance Equity Partners, Inc. PO BOX 368 TINLEY PARK, IL 60477 |
* | $ 10,231,000 | 3 | $ 58,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,453,067,000 | 3 | $ 571,000 |
| First State Bank of Wabasha 111 WEST MAIN STREET WABASHA, MN 55981 |
* | $ 121,198,000 | 3 | $ 422,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 2 | $ 201,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 3,766,460,000 | 2 | $ 278,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 2,413,158,000 | 2 | $ 521,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 900,762,000 | 2 | $ 198,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 2 | $ 834,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 896,134,000 | 2 | $ 124,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 421,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 196,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 240,000 |
| The First National Bank of River Falls 104 EAST LOCUST STREET RIVER FALLS, WI 54022 |
* | $ 262,441,000 | 2 | $ 173,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 95,264,963,000 | 2 | $ 123,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 418,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 307,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 64,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 414,584,000 | 1 | $ 45,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,634,000 | 1 | $ 115,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 244,348,000 | 1 | $ 130,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 105,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Citizens Bancshares of Woodville, Inc. 375 STAGELINE RD PO BOX 247 HUDSON, WI 54016 |
* | $ 136,923,000 | 1 | $ 54,000 |
| 1st Community Credit Union 1000 W. WISCONSIN STREET SPARTA, WI 54656 |
* | $ 116,122,000 | 1 | $ 8,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 1 | $ 85,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 54,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Spire Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 582,480,000 | 1 | $ 84,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,603,153,000 | 1 | $ 93,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 862,757,000 | 1 | $ 82,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 107,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 361,165,000 | 1 | $ 258,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 3,670,975,000 | 1 | $ 216,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 73,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ 336,186,000 | 1 | $ 248,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 13,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 52,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 949,559,000 | 1 | $ 57,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 245,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,608,821,000 | 1 | $ 400,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 96,000 |
| River Falls State Bank 124 S. SECOND STREET RIVER FALLS, WI 54022 |
* | $ 84,670,000 | 1 | $ 165,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 129,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 88,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 417,000 |
The tables below break down 2013 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 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 | 176 | $26,361,000 | $149,000 | $2,977,000 | $78,000 | $469,000 |
| Home Purchase | 70 | $7,984,000 | $114,000 | $417,000 | $71,000 | $623,000 |
| Home Improvement | 17 | $1,455,000 | $85,000 | $310,000 | $57,000 | $133,000 |
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 | 230 | $29,101,000 | $126,000 | $435,000 | $79,000 | $623,000 |
| Not Provided | 18 | $2,026,000 | $112,000 | $246,000 | $63,000 | $138,000 |
| Not applicable | 15 | $4,673,000 | $311,000 | $2,977,000 | $18,000 | $110,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 235 | $32,542,000 | $138,000 | $2,977,000 | $77,000 | $623,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,693,000 | $99,000 | $167,000 | $44,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $584,000 | $97,000 | $180,000 | $28,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 5 | $981,000 | $196,000 | $330,000 | $104,000 | $135,000 |
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 | 137 | $16,757,000 | $122,000 | $435,000 | $80,000 | $414,000 |
| Application Denied By Financial Institution | 57 | $9,636,000 | $169,000 | $2,977,000 | $54,000 | $198,000 |
| Application Withdrawn By Applicant | 31 | $4,227,000 | $136,000 | $417,000 | $91,000 | $469,000 |
| Loan Purchased By The Institution | 20 | $3,009,000 | $150,000 | $417,000 | $79,000 | $623,000 |
| Application Approved But Not Accepted | 10 | $1,208,000 | $120,000 | $183,000 | $69,000 | $145,000 |
| File Closed For Incompleteness | 8 | $963,000 | $120,000 | $180,000 | $64,000 | $220,000 |
| 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 | 13 | $4,394,000 | $338,000 | $2,977,000 | $35,000 | $112,000 |
| Collateral | 12 | $1,664,000 | $138,000 | $417,000 | $80,000 | $198,000 |
| Credit History | 8 | $624,000 | $78,000 | $197,000 | $37,000 | $73,000 |
| Other | 4 | $662,000 | $165,000 | $416,000 | $62,000 | $101,000 |
| Credit Application Incomplete | 2 | $154,000 | $77,000 | $90,000 | $39,000 | $54,000 |
| Unverifiable Information | 1 | $108,000 | $108,000 | $108,000 | $39,000 | $39,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $24,000 | $24,000 |
| 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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