Richland County, WI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 451 mortgage applications in Richland County, WI totaling $76.0 million, up 9% from 2023. The average application was for $168,000, and applicants reported an average income of $106,000. 62% of applications resulted in an originated loan and 17% were denied. The most active lender was Westby Co-Op Credit Union, with 73 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 | 451 |
| Total Mortgage Loan Application Amount | $76,005,000 |
| Average Mortgage Loan Application Amount | $168,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $1,019,000 |
* 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 |
* | $ n/a | 73 | $ 7,685,000 |
| The Peoples Community Bank 222 W. COMMERCIAL ST., PO BOX 8 MAZOMANIE, WI 53560 |
* | $ n/a | 30 | $ 3,760,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 29 | $ 4,355,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ n/a | 24 | $ 3,870,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 16 | $ 3,540,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 14 | $ 3,790,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 11 | $ 945,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 11 | $ 1,015,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 1,545,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 9 | $ 1,005,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 8 | $ 1,140,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 8 | $ 1,440,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 985,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 7 | $ 2,095,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 430,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,750,000 |
| One Community Bank 733 N MAIN ST OREGON, WI 53575 |
* | $ n/a | 6 | $ 2,330,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 920,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 1,345,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 805,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 5 | $ 225,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 880,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 340,000 |
| Heartland Credit Union 5325 HIGH CROSSING BLVD MADISON, WI 53718 |
* | $ n/a | 4 | $ 580,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 850,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 4 | $ 1,040,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 1,290,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 725,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 815,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 3 | $ 485,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 785,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 735,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 85,000 |
| Peoples State Bank 301 EAST BLACKHAWK AVENUE PRAIRIE DU CHIEN, WI 53821 |
* | $ n/a | 3 | $ 425,000 |
| Lake Ridge Bank 1205 MAIN STREET MONONA, WI 53713 |
* | $ n/a | 3 | $ 205,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 615,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 545,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ n/a | 3 | $ 535,000 |
| Citizens First Bank 101 S MAIN ST VIROQUA, WI 54665 |
* | $ n/a | 3 | $ 435,000 |
| Farmers & Merchants State Bank 210 W. MADISON ST. WATERLOO, WI 53594 |
* | $ n/a | 2 | $ 560,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 240,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 2 | $ 430,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 820,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ n/a | 2 | $ 280,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 2 | $ 100,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 2 | $ 1,080,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 270,000 |
| The Bank of New Glarus 501 FIRST STREET PO BOX 129 NEW GLARUS, WI 53574 |
* | $ n/a | 2 | $ 420,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 440,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 230,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 145,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 115,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 55,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 125,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 305,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 1 | $ 85,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 45,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 135,000 |
| Bank of Sun Prairie 228 E MAIN ST SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 675,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 195,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 95,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 525,000 |
| Baraboo State Bank 101 THIRD AVENUE, PO BOX 50 BARABOO, WI 53913 |
* | $ n/a | 1 | $ 535,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 195,000 |
| Bank of Deerfield 15 S. MAIN ST., PO BOX 85 DEERFIELD, WI 53531 |
* | $ n/a | 1 | $ 365,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ n/a | 1 | $ 175,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 25,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 245,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ n/a | 1 | $ 135,000 |
| Farmers Savings Bank 305 DOTY ST MINERAL POINT, WI 53565 |
* | $ n/a | 1 | $ 1,005,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ n/a | 1 | $ 135,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 75,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 215,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 205,000 |
| Woodford State Bank 403 WEST 8TH STREET, PO BOX 766 MONROE, WI 53566 |
* | $ n/a | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 265,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ n/a | 1 | $ 155,000 |
| National Exchange Bank and Trust 130 SOUTH MAIN STREET FOND DU LAC, WI 54936 |
* | $ n/a | 1 | $ 135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 115,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 35,000 |
| The Park Bank 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ n/a | 1 | $ 85,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 105,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 245,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ n/a | 1 | $ 445,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 115,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 125,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ n/a | 1 | $ 205,000 |
| Horicon Bank 326 E LAKE ST, PO BOX 144 HORICON, WI 53032 |
* | $ n/a | 1 | $ 585,000 |
| Bank of Ontario 315 MAIN ST ONTARIO, WI 54651 |
* | $ n/a | 1 | $ 55,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ n/a | 1 | $ 495,000 |
| The First National Bank of Bangor 1798 COMMERCIAL ST BANGOR, WI 54614 |
* | $ n/a | 1 | $ 265,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 545,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 205,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 175,000 |
| Bank CMG 8020 EXCELSIOR DR STE 100 MADISON, WI 53717 |
* | $ n/a | 1 | $ 305,000 |
The tables below break down 2024 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 2024
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 | 192 | $40,870,000 | $212,000 | $1,315,000 | $112,000 | $1,019,000 |
| Cash-out Refinancing | 126 | $19,310,000 | $153,000 | $635,000 | $95,000 | $465,000 |
| Refinancing | 70 | $11,760,000 | $168,000 | $525,000 | $96,000 | $376,000 |
| Other Purpose | 36 | $1,870,000 | $51,000 | $195,000 | $91,000 | $500,000 |
| Home Improvement | 25 | $1,905,000 | $76,000 | $255,000 | $156,000 | $905,000 |
| Not Applicable | 2 | $290,000 | $145,000 | $225,000 | $71,000 | $71,000 |
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 | 381 | $60,475,000 | $158,000 | $675,000 | $104,000 | $1,019,000 |
| Not applicable | 26 | $6,020,000 | $231,000 | $1,315,000 | $0 | $0 |
| Not Provided | 20 | $5,000,000 | $250,000 | $1,245,000 | $133,000 | $760,000 |
| Hispanic | 14 | $2,090,000 | $149,000 | $275,000 | $118,000 | $228,000 |
| Asian | 5 | $1,445,000 | $289,000 | $495,000 | $70,000 | $125,000 |
| Black or African American | 3 | $285,000 | $95,000 | $115,000 | $29,000 | $29,000 |
| American Indian or Alaskan Native | 2 | $690,000 | $345,000 | $485,000 | $89,000 | $107,000 |
| 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) | 356 | $56,240,000 | $157,000 | $1,315,000 | $111,000 | $1,019,000 |
| FHA-insured (Federal Housing Administration) | 54 | $9,400,000 | $174,000 | $335,000 | $63,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 33 | $9,305,000 | $281,000 | $635,000 | $108,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,060,000 | $132,000 | $195,000 | $63,000 | $83,000 |
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 | 278 | $46,670,000 | $167,000 | $1,315,000 | $113,000 | $1,019,000 |
| Application Denied By Financial Institution | 76 | $12,370,000 | $162,000 | $635,000 | $97,000 | $905,000 |
| Application Withdrawn By Applicant | 48 | $9,310,000 | $193,000 | $545,000 | $96,000 | $324,000 |
| File Closed For Incompleteness | 18 | $2,900,000 | $161,000 | $545,000 | $104,000 | $500,000 |
| Loan Purchased By The Institution | 16 | $2,810,000 | $175,000 | $275,000 | $71,000 | $71,000 |
| Application Approved But Not Accepted | 12 | $1,470,000 | $122,000 | $425,000 | $61,000 | $112,000 |
| Preapproval Approved but not Accepted | 3 | $475,000 | $158,000 | $185,000 | $65,000 | $78,000 |
| 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 | 331 | $55,675,000 | $168,000 | $1,315,000 | $103,000 | $760,000 |
| Debt-To-Income Ratio | 65 | $11,495,000 | $176,000 | $1,005,000 | $110,000 | $1,019,000 |
| Credit History | 24 | $3,730,000 | $155,000 | $585,000 | $115,000 | $905,000 |
| Collateral | 16 | $2,890,000 | $180,000 | $635,000 | $109,000 | $500,000 |
| Credit Application Incomplete | 6 | $830,000 | $138,000 | $245,000 | $144,000 | $430,000 |
| Other | 4 | $580,000 | $145,000 | $315,000 | $143,000 | $235,000 |
| Unverifiable Information | 3 | $435,000 | $145,000 | $285,000 | $61,000 | $72,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $245,000 | $245,000 | $245,000 | $107,000 | $107,000 |
| 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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