Richland County, WI Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 412 mortgage applications in Richland County, WI totaling $63.8 million, down 34% from 2022. The average application was for $154,000, and applicants reported an average income of $90,000. 66% of applications resulted in an originated loan and 10% were denied. The most active lender was Westby Co-Op Credit Union, with 85 applications, followed by The Peoples Community Bank and Summit 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 | 412 |
| Total Mortgage Loan Application Amount | $63,770,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $1,885,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,273,000 |
* 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 |
|---|---|---|---|---|
| Westby Co-Op Credit Union 501 N MAIN ST WESTBY, WI 54667 |
* | $ 834,153,000 | 85 | $ 8,945,000 |
| The Peoples Community Bank 222 W. COMMERCIAL ST., PO BOX 8 MAZOMANIE, WI 53560 |
* | $ 373,102,000 | 40 | $ 7,560,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 6,224,510,000 | 30 | $ 3,080,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ 745,127,000 | 20 | $ 1,880,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 15 | $ 1,895,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 11 | $ 3,665,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 5,145,209,000 | 11 | $ 1,465,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,034,078,000 | 11 | $ 1,695,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 2,010,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 8 | $ 1,130,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,145,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,080,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 490,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 6 | $ 230,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 925,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 5 | $ 405,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 965,000 |
| Citizens First Bank 101 S MAIN ST VIROQUA, WI 54665 |
* | $ 305,821,000 | 4 | $ 500,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 4 | $ 650,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 460,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 1,080,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 3 | $ 405,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 265,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 585,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 3 | $ 335,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 435,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 825,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 3 | $ 595,000 |
| Heartland Credit Union 5325 HIGH CROSSING BLVD MADISON, WI 53718 |
* | $ 601,400,000 | 3 | $ 265,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 4,614,668,000 | 2 | $ 120,000 |
| Baraboo State Bank 101 THIRD AVENUE, PO BOX 50 BARABOO, WI 53913 |
* | $ 517,890,000 | 2 | $ 390,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 2 | $ 410,000 |
| Farmers Savings Bank 305 DOTY ST MINERAL POINT, WI 53565 |
* | $ 422,498,000 | 2 | $ 140,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 6,153,509,000 | 2 | $ 470,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 90,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 150,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 210,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 500,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 570,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 2 | $ 860,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 370,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 410,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 1,315,093,000 | 2 | $ 260,000 |
| Horicon Bank 326 E LAKE ST, PO BOX 144 HORICON, WI 53032 |
* | $ 1,251,474,000 | 1 | $ 95,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 977,048,000 | 1 | $ 305,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 115,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 15,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 1 | $ 205,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 185,000 |
| The Park Bank 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ 1,398,059,000 | 1 | $ 365,000 |
| Lake Ridge Bank 1205 MAIN STREET MONONA, WI 53713 |
* | $ 1,648,757,000 | 1 | $ 125,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ 334,546,000 | 1 | $ 135,000 |
| Bison State Bank 223 MAIN ST BISON, KS 67520 |
* | $ 55,069,000 | 1 | $ 435,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 565,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 1 | $ 185,000 |
| Bank of Deerfield 15 S. MAIN ST., PO BOX 85 DEERFIELD, WI 53531 |
* | $ 197,241,000 | 1 | $ 205,000 |
| North Shore Bank 15700 WEST BLUEMOUND ROAD BROOKFIELD, WI 53005 |
* | $ 2,582,111,000 | 1 | $ 35,000 |
| Los Angeles Police FCU 16150 SHERMAN WAY VAN NUYS, CA 91406 |
* | $ 1,449,512,000 | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 185,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 165,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 1 | $ 435,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERLIN, WI 54923 |
* | $ 593,955,000 | 1 | $ 225,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 335,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,740,477,000 | 1 | $ 85,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ -1,000 | 1 | $ 285,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 645,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 415,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 2,555,530,000 | 1 | $ 25,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 275,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 3,010,410,000 | 1 | $ 135,000 |
| Farmers & Merchants State Bank 210 W. MADISON ST. WATERLOO, WI 53594 |
* | $ 225,020,000 | 1 | $ 1,885,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 105,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 551,193,000 | 1 | $ 405,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 255,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 1,527,709,000 | 1 | $ 105,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 335,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 205,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 185,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 1 | $ 375,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 275,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 245,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 105,000 |
The tables below break down 2023 mortgage applications in Richland 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 Richland County, WI in 2023
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 | 200 | $41,590,000 | $207,000 | $1,885,000 | $101,000 | $1,273,000 |
| Cash-out Refinancing | 103 | $11,295,000 | $109,000 | $565,000 | $80,000 | $259,000 |
| Refinancing | 47 | $6,675,000 | $142,000 | $465,000 | $79,000 | $309,000 |
| Other Purpose | 35 | $2,355,000 | $67,000 | $495,000 | $88,000 | $223,000 |
| Home Improvement | 26 | $1,810,000 | $69,000 | $445,000 | $83,000 | $181,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 331 | $48,785,000 | $147,000 | $645,000 | $92,000 | $1,273,000 |
| Not Provided | 38 | $6,030,000 | $158,000 | $485,000 | $76,000 | $145,000 |
| Not applicable | 33 | $7,365,000 | $223,000 | $1,885,000 | $0 | $0 |
| Hispanic | 5 | $335,000 | $67,000 | $135,000 | $62,000 | $109,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $175,000 | $45,000 | $45,000 |
| Asian | 2 | $850,000 | $425,000 | $435,000 | $245,000 | $270,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
| 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) | 328 | $47,940,000 | $146,000 | $1,885,000 | $93,000 | $1,273,000 |
| FHA-insured (Federal Housing Administration) | 46 | $8,190,000 | $178,000 | $485,000 | $75,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 29 | $6,405,000 | $220,000 | $645,000 | $77,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,235,000 | $137,000 | $215,000 | $68,000 | $89,000 |
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 | 270 | $42,290,000 | $156,000 | $1,885,000 | $95,000 | $1,273,000 |
| Application Denied By Financial Institution | 43 | $5,345,000 | $124,000 | $565,000 | $75,000 | $204,000 |
| Application Withdrawn By Applicant | 38 | $7,270,000 | $191,000 | $645,000 | $87,000 | $220,000 |
| Loan Purchased By The Institution | 29 | $5,015,000 | $172,000 | $435,000 | $174,000 | $309,000 |
| File Closed For Incompleteness | 17 | $2,125,000 | $125,000 | $335,000 | $61,000 | $115,000 |
| Application Approved But Not Accepted | 14 | $1,480,000 | $105,000 | $405,000 | $91,000 | $150,000 |
| Preapproval Approved but not Accepted | 1 | $245,000 | $245,000 | $245,000 | $61,000 | $61,000 |
| 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 | 323 | $48,245,000 | $149,000 | $645,000 | $91,000 | $1,273,000 |
| Debt-To-Income Ratio | 55 | $11,245,000 | $204,000 | $1,885,000 | $96,000 | $303,000 |
| Credit History | 14 | $1,380,000 | $98,000 | $565,000 | $76,000 | $204,000 |
| Collateral | 8 | $1,420,000 | $177,000 | $295,000 | $95,000 | $159,000 |
| Other | 6 | $670,000 | $111,000 | $225,000 | $42,000 | $68,000 |
| Credit Application Incomplete | 5 | $655,000 | $131,000 | $195,000 | $85,000 | $168,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $139,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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