Pepin County, WI Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 212 mortgage applications in Pepin County, WI totaling $28.3 million, down 1% from 2016. The average application was for $133,000, and applicants reported an average income of $74,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Westconsin Credit Union, with 28 applications, followed by Royal Credit Union and Associated 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 | 212 |
| Total Mortgage Loan Application Amount | $28,258,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $638,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $444,000 |
* 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 |
* | $ 1,102,046,000 | 28 | $ 3,021,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 2,025,442,000 | 17 | $ 2,388,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 29,070,880,000 | 13 | $ 1,730,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 553,662,000 | 11 | $ 1,737,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 9 | $ 1,843,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 8 | $ 907,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 669,000 |
| Bank of Alma PO BOX 247 ALMA, WI 54610 |
* | $ 222,913,000 | 5 | $ 662,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 5 | $ 698,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 106,169,829,000 | 5 | $ 442,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 455,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 421,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ -1,000 | 4 | $ 429,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 615,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 4 | $ 544,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 3 | $ 141,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 689,786,000 | 3 | $ 487,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 3 | $ 417,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 3 | $ 433,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 835,164,000 | 3 | $ 330,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 2 | $ 166,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 476,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 189,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 2 | $ 271,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 4,181,458,000 | 2 | $ 184,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,647,424,000 | 2 | $ 898,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 78,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 280,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 398,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,496,234,000 | 2 | $ 207,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 2 | $ 183,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,048,652,000 | 1 | $ 398,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 150,000 |
| Citizens Bancshares of Woodville, Inc. 375 STAGELINE RD PO BOX 247 HUDSON, WI 54016 |
* | $ 164,608,000 | 1 | $ 25,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 135,000 |
| First State Bank of Red Wing, the 3209 SOUTH SERVICE DRIVE RED WING, MN 55066 |
* | $ 79,459,000 | 1 | $ 226,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 6,000 |
| National Exchange Bank and Trust 130 SOUTH MAIN STREET FOND DU LAC, WI 54936 |
* | $ 1,997,501,000 | 1 | $ 45,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 395,570,000 | 1 | $ 70,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 84,000 |
| Prevail Bank 675 E BROADWAY AVE MEDFORD, WI 54451 |
* | $ 605,441,000 | 1 | $ 90,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 222,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,593,928,000 | 1 | $ 207,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 78,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 246,000 |
| Dairy State Bank 16 S MAIN STREET RICE LAKE, WI 54868 |
* | $ 503,997,000 | 1 | $ 220,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 1 | $ 20,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 124,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 1 | $ 180,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 124,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 14,759,060,000 | 1 | $ 189,000 |
| Unity Bank 207 W LINCOLN ST AUGUSTA, WI 54722 |
* | $ 148,892,000 | 1 | $ 32,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ 305,205,000 | 1 | $ 38,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 1,131,750,000 | 1 | $ 210,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 110,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 200,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 126,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 227,000 |
| First State Bank of Wabasha 111 WEST MAIN STREET WABASHA, MN 55981 |
* | $ 130,524,000 | 1 | $ 95,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 30,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 74,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 128,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 155,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 145,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 180,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 714,597,000 | 1 | $ 258,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 100,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 117,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 252,000 |
The tables below break down 2017 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 2017
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 | 113 | $14,495,000 | $128,000 | $638,000 | $63,000 | $330,000 |
| Refinancing | 86 | $12,672,000 | $147,000 | $398,000 | $82,000 | $444,000 |
| Home Improvement | 13 | $1,091,000 | $83,000 | $190,000 | $116,000 | $330,000 |
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 | 178 | $24,288,000 | $136,000 | $638,000 | $76,000 | $444,000 |
| Not Provided | 18 | $2,038,000 | $113,000 | $328,000 | $95,000 | $190,000 |
| Not applicable | 12 | $1,570,000 | $130,000 | $246,000 | $7,000 | $85,000 |
| American Indian or Alaskan Native | 2 | $284,000 | $142,000 | $226,000 | $114,000 | $181,000 |
| Hispanic | 2 | $78,000 | $39,000 | $76,000 | $31,000 | $31,000 |
| 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) | 161 | $22,072,000 | $137,000 | $638,000 | $84,000 | $444,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,299,000 | $126,000 | $246,000 | $46,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,748,000 | $134,000 | $222,000 | $49,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,139,000 | $94,000 | $156,000 | $30,000 | $58,000 |
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 | 117 | $16,301,000 | $139,000 | $638,000 | $80,000 | $330,000 |
| Application Denied By Financial Institution | 38 | $4,287,000 | $112,000 | $264,000 | $71,000 | $444,000 |
| Application Withdrawn By Applicant | 25 | $2,974,000 | $118,000 | $258,000 | $73,000 | $138,000 |
| Loan Purchased By The Institution | 18 | $2,777,000 | $154,000 | $398,000 | $35,000 | $177,000 |
| File Closed For Incompleteness | 9 | $1,271,000 | $141,000 | $200,000 | $91,000 | $176,000 |
| Application Approved But Not Accepted | 5 | $648,000 | $129,000 | $180,000 | $76,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $1,251,000 | $139,000 | $222,000 | $107,000 | $444,000 |
| Credit History | 9 | $964,000 | $107,000 | $210,000 | $80,000 | $190,000 |
| Debt-To-Income Ratio | 6 | $796,000 | $132,000 | $264,000 | $42,000 | $63,000 |
| Credit Application Incomplete | 4 | $375,000 | $93,000 | $135,000 | $49,000 | $61,000 |
| Other | 3 | $179,000 | $59,000 | $71,000 | $58,000 | $106,000 |
| Unverifiable Information | 1 | $157,000 | $157,000 | $157,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $6,000 | $6,000 | $6,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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