Pepin County, WI Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 238 mortgage applications in Pepin County, WI totaling $29.1 million, up 12% from 2017. The average application was for $122,000, and applicants reported an average income of $80,000. 61% of applications resulted in an originated loan and 15% were denied. The most active lender was Westconsin Credit Union, with 35 applications, followed by Royal Credit Union and Flagstar 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 | 238 |
| Total Mortgage Loan Application Amount | $29,110,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,434,000 |
* 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 |
* | $ 1,189,354,000 | 35 | $ 3,005,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 2,211,061,000 | 23 | $ 2,025,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 13 | $ 1,185,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 30,422,051,000 | 11 | $ 1,465,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 11 | $ 1,385,000 |
| Security Financial Bank 212 W PROSPECT STREET DURAND, WI 54736 |
* | $ 420,083,000 | 8 | $ 1,090,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 995,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 1,190,459,000 | 6 | $ 530,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 990,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,080,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,915,259,000 | 6 | $ 400,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,063,591,000 | 5 | $ 455,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 755,545,000 | 5 | $ 495,000 |
| Bank of Alma PO BOX 247 ALMA, WI 54610 |
* | $ 228,733,000 | 5 | $ 355,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 620,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 4 | $ 970,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 690,531,000 | 4 | $ 440,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 3 | $ 325,000 |
| Bank Five Nine 155 W. WISCONSIN AVENUE OCONOMOWOC, WI 53066 |
* | $ 1,136,234,000 | 3 | $ 615,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 295,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 3 | $ 545,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 942,777,000 | 3 | $ 505,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ 440,717,000 | 2 | $ 570,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,948,023,000 | 2 | $ 150,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 290,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 167,654,000 | 2 | $ 360,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 250,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 130,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 2 | $ 120,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 140,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 80,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 375,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERLIN, WI 54923 |
* | $ 431,130,000 | 1 | $ 175,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 135,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 125,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 95,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 260,106,000 | 1 | $ 265,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 115,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 125,000 |
| The First National Bank of River Falls 104 EAST LOCUST STREET RIVER FALLS, WI 54022 |
* | $ 283,854,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 155,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,625,986,000 | 1 | $ 55,000 |
| Unity Bank 207 W LINCOLN ST AUGUSTA, WI 54722 |
* | $ 172,617,000 | 1 | $ 35,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,386,493,000 | 1 | $ 95,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ 206,519,000 | 1 | $ 495,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 1 | $ 475,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 3,205,800,000 | 1 | $ 215,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 863,355,000 | 1 | $ 805,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 105,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 95,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 115,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 35,000 |
| Peoples State Bank of Plainview 100 4TH AVE SE PLAINVIEW, MN 55964 |
* | $ 261,234,000 | 1 | $ 125,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 245,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 65,000 |
| Dairy State Bank 16 S MAIN STREET RICE LAKE, WI 54868 |
* | $ 515,101,000 | 1 | $ 155,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 55,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 1,685,749,000 | 1 | $ 25,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 85,000 |
| Lake Elmo Bank 11465 39TH STREET NORTH LAKE ELMO, MN 55042 |
* | $ 396,775,000 | 1 | $ 215,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 526,546,000 | 1 | $ 145,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,104,663,000 | 1 | $ 135,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 115,000 |
| First Farmers & Merchants Bank 123 SOUTH FOURTH STREET CANNON FALLS, MN 55009 |
* | $ 297,892,000 | 1 | $ 185,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,787,790,000 | 1 | $ 85,000 |
The tables below break down 2018 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 2018
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 | 126 | $18,000,000 | $142,000 | $805,000 | $77,000 | $1,434,000 |
| Cash-out Refinancing | 46 | $6,100,000 | $132,000 | $355,000 | $67,000 | $343,000 |
| Other Purpose | 28 | $1,350,000 | $48,000 | $175,000 | $95,000 | $346,000 |
| Refinancing | 26 | $2,780,000 | $106,000 | $245,000 | $87,000 | $661,000 |
| Home Improvement | 11 | $815,000 | $74,000 | $265,000 | $99,000 | $264,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
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 | 199 | $23,835,000 | $119,000 | $495,000 | $79,000 | $1,434,000 |
| Not Provided | 24 | $2,280,000 | $95,000 | $265,000 | $89,000 | $661,000 |
| Not applicable | 12 | $2,610,000 | $217,000 | $805,000 | $64,000 | $64,000 |
| Hispanic | 2 | $350,000 | $175,000 | $205,000 | $93,000 | $157,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $36,000 | $36,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 184 | $22,450,000 | $122,000 | $805,000 | $88,000 | $1,434,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,795,000 | $122,000 | $355,000 | $53,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,095,000 | $139,000 | $215,000 | $50,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $770,000 | $96,000 | $125,000 | $47,000 | $76,000 |
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 | 145 | $18,195,000 | $125,000 | $805,000 | $92,000 | $1,434,000 |
| Application Denied By Financial Institution | 36 | $4,090,000 | $113,000 | $355,000 | $49,000 | $139,000 |
| Application Withdrawn By Applicant | 29 | $3,015,000 | $103,000 | $235,000 | $67,000 | $192,000 |
| File Closed For Incompleteness | 12 | $1,230,000 | $102,000 | $205,000 | $61,000 | $123,000 |
| Loan Purchased By The Institution | 11 | $1,665,000 | $151,000 | $375,000 | $60,000 | $104,000 |
| Application Approved But Not Accepted | 5 | $915,000 | $183,000 | $295,000 | $81,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 180 | $21,520,000 | $119,000 | $805,000 | $72,000 | $343,000 |
| Debt-To-Income Ratio | 37 | $5,105,000 | $137,000 | $495,000 | $128,000 | $1,434,000 |
| Credit History | 8 | $740,000 | $92,000 | $185,000 | $53,000 | $120,000 |
| Other | 5 | $715,000 | $143,000 | $355,000 | $78,000 | $113,000 |
| Collateral | 4 | $500,000 | $125,000 | $225,000 | $53,000 | $77,000 |
| Credit Application Incomplete | 3 | $485,000 | $161,000 | $205,000 | $43,000 | $50,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $65,000 | $65,000 |
| 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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