Rusk County, WI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 735 mortgage applications in Rusk County, WI totaling $79.4 million, up 10% from 2008. The average application was for $108,000, and applicants reported an average income of $80,000. 53% of applications resulted in an originated loan and 19% were denied. The most active lender was Heritage Credit Union, with 128 applications, followed by Wells Fargo Bank, NA and Dairyland State Bank.
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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 | 735 |
| Total Mortgage Loan Application Amount | $79,422,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,366,000 |
* 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 |
|---|---|---|---|---|
| Heritage Credit Union 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 153,200,000 | 128 | $ 8,814,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 113 | $ 11,757,000 |
| Dairyland State Bank 719 NORTH MAIN STREET BRUCE, WI 54819 |
* | $ 87,217,000 | 52 | $ 4,208,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 201,171,000 | 26 | $ 2,651,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 23,843,152,000 | 26 | $ 3,118,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 5,386,439,000 | 25 | $ 3,803,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 21 | $ 2,129,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 1,599,000 |
| Bank Mutual 4949 W BROWN DEER ROAD MILWAUKEE, WI 53224 |
* | $ 3,487,518,000 | 16 | $ 2,260,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 16 | $ 2,394,000 |
| Citizens Community Federal PO BOX 218 ALTOONA, WI 54720 |
* | $ 487,565,000 | 15 | $ 1,280,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 15 | $ 2,607,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 55,486,249,000 | 15 | $ 2,101,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 14 | $ 1,907,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 12 | $ 1,441,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 4,740,503,000 | 12 | $ 1,517,000 |
| Security Bank PO BOX 278 NEW AUBURN, WI 54757 |
* | $ 77,578,000 | 11 | $ 1,729,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 10 | $ 788,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 10 | $ 601,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 10 | $ 1,191,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 10 | $ 1,422,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 576,884,000 | 8 | $ 929,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 7 | $ 583,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 7 | $ 666,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 706,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 6 | $ 250,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 6 | $ 589,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 992,454,000 | 5 | $ 254,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 5 | $ 641,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 546,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 373,000 |
| United Bank 50518 CHARLES STREET OSSEO, WI 54758 |
* | $ 225,812,000 | 4 | $ 619,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 346,854,000 | 4 | $ 663,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 714,662,000 | 4 | $ 431,000 |
| The Riverbank 26777 FALLBROCK AVE PO BOX 97 WYOMING, MN 55092 |
* | $ 491,442,000 | 3 | $ 226,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 166,624,000 | 3 | $ 282,000 |
| The Northwestern Bank 202 N. BRIDGE ST. PO BOX 49 CHIPPEWA FALLS, WI 54729 |
* | $ 351,115,000 | 3 | $ 311,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 3 | $ 232,000 |
| Abbybank 401 E SPRUCE STREET PO BOX 648 ABBOTSFORD, WI 54405 |
* | $ 259,053,000 | 3 | $ 383,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 518,572,000 | 3 | $ 257,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 263,000 |
| River City Mortgage and Financ 5001 AMERICAN BLVD SUITE 1000 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 3 | $ 315,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 127,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,144,967,000 | 2 | $ 329,000 |
| Time Federal Savings Bank 675 EAST BROADWAY AVENUE MEDFORD, WI 54451 |
* | $ 510,273,000 | 2 | $ 257,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 2 | $ 304,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 235,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 333,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 464,000 |
| First National Bank of Waupaca 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 696,819,000 | 2 | $ 458,000 |
| Bremer Bank NA (Menomonie) 605 2ND ST MENOMONIE, WI 54751 |
* | $ 600,290,000 | 2 | $ 89,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 281,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Peoples State Bank of Bloomer 1401 MAIN STREET BLOOMER, WI 54724 |
* | $ 110,464,000 | 1 | $ 226,000 |
| Citizens Bancshares of Woodville, Inc. 375 STAGELINE RD PO BOX 247 HUDSON, WI 54016 |
* | $ 191,466,000 | 1 | $ 125,000 |
| Hometown Bank 80 SHEBOYGAN ST FOND DU LAC, WI 54935 |
* | $ 217,814,000 | 1 | $ 80,000 |
| Mid-Wisconsin Bank 134 S 8TH ST MEDFORD, WI 54451 |
* | $ 492,431,000 | 1 | $ 125,000 |
| Community Bank of Central Wisc 1122 N DIVISION ST.; PO OX 213 COLBY, WI 54421 |
* | $ 137,771,000 | 1 | $ 1,500,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 270,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 1 | $ 96,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,127,000 | 1 | $ 204,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 77,000 |
| Amcore Bank, N.A. 501 SEVENTH ST ROCKFORD, IL 61104 |
* | $ 5,036,230,000 | 1 | $ 118,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 4,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 217,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 252,575,000 | 1 | $ 110,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ 793,228,000 | 1 | $ 128,000 |
| The First National Bank of River Falls 104 EAST LOCUST STREET RIVER FALLS, WI 54022 |
* | $ 283,151,000 | 1 | $ 130,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ 143,197,000 | 1 | $ 168,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 71,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 665,551,000 | 1 | $ 94,000 |
| Blackhawk Community Credit Uni PO BOX 5366 JANESVILLE, WI 53547 |
* | $ 300,941,000 | 1 | $ 202,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 1,287,783,000 | 1 | $ 64,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 129,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 625,192,000 | 1 | $ 146,000 |
| H&R Block Bank ONE H&R BLOCK WAY KANSAS CITY, MO 64105 |
* | $ 1,900,148,000 | 1 | $ 120,000 |
| River Falls State Bank 124 S. SECOND STREET RIVER FALLS, WI 54022 |
* | $ 76,585,000 | 1 | $ 229,000 |
| The Park Bank 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ 815,075,000 | 1 | $ 79,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 917,297,000 | 1 | $ 150,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ 270,967,000 | 1 | $ 224,000 |
| First Business Bank 401 CHARMANY DRIVE MADISON, WI 53719 |
* | $ 889,852,000 | 1 | $ 164,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 160,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 270,000 |
| Inter Savings Bank, FSB 13601 80TH CIRCLE N MAPLE GROVE, MN 55369 |
* | $ 843,853,000 | 1 | $ 208,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 85,000 |
The tables below break down 2009 mortgage applications in Rusk 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 Rusk County, WI in 2009
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 | 542 | $62,779,000 | $115,000 | $1,500,000 | $79,000 | $1,200,000 |
| Home Purchase | 134 | $13,728,000 | $102,000 | $528,000 | $85,000 | $500,000 |
| Home Improvement | 59 | $2,915,000 | $49,000 | $232,000 | $76,000 | $1,366,000 |
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 | 663 | $71,078,000 | $107,000 | $1,500,000 | $83,000 | $1,366,000 |
| Not Provided | 31 | $3,469,000 | $111,000 | $324,000 | $54,000 | $189,000 |
| Not applicable | 30 | $3,607,000 | $120,000 | $451,000 | $30,000 | $341,000 |
| American Indian or Alaskan Native | 4 | $357,000 | $89,000 | $105,000 | $64,000 | $118,000 |
| Hispanic | 3 | $59,000 | $19,000 | $39,000 | $71,000 | $82,000 |
| Asian | 2 | $602,000 | $301,000 | $390,000 | $143,000 | $205,000 |
| Black or African American | 2 | $250,000 | $125,000 | $156,000 | $20,000 | $41,000 |
| 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) | 608 | $64,654,000 | $106,000 | $1,500,000 | $88,000 | $1,366,000 |
| FHA-insured (Federal Housing Administration) | 109 | $12,566,000 | $115,000 | $314,000 | $40,000 | $351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,440,000 | $110,000 | $450,000 | $51,000 | $245,000 |
| VA-guaranteed (Veterans Administration) | 5 | $762,000 | $152,000 | $357,000 | $40,000 | $75,000 |
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 | 387 | $43,805,000 | $113,000 | $528,000 | $91,000 | $1,366,000 |
| Application Denied By Financial Institution | 141 | $14,641,000 | $103,000 | $1,500,000 | $61,000 | $515,000 |
| Application Withdrawn By Applicant | 83 | $8,857,000 | $106,000 | $272,000 | $86,000 | $1,200,000 |
| Loan Purchased By The Institution | 65 | $7,670,000 | $118,000 | $220,000 | $60,000 | $358,000 |
| Application Approved But Not Accepted | 42 | $3,162,000 | $75,000 | $320,000 | $66,000 | $243,000 |
| File Closed For Incompleteness | 17 | $1,287,000 | $75,000 | $140,000 | $53,000 | $351,000 |
| 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 | 35 | $3,942,000 | $112,000 | $270,000 | $82,000 | $515,000 |
| Credit History | 29 | $1,909,000 | $65,000 | $212,000 | $49,000 | $106,000 |
| Debt-To-Income Ratio | 19 | $3,459,000 | $182,000 | $1,500,000 | $83,000 | $240,000 |
| Other | 5 | $374,000 | $74,000 | $173,000 | $32,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $292,000 | $146,000 | $209,000 | $54,000 | $79,000 |
| Credit Application Incomplete | 2 | $203,000 | $101,000 | $123,000 | $50,000 | $51,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $68,000 | $68,000 |
| 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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