In 2010, lenders reported 583 mortgage applications in Rusk County, WI totaling $63.3 million, down 21% from 2009. The average application was for $108,000, and applicants reported an average income of $73,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Heritage Credit Union, with 103 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 | 583 |
| Total Mortgage Loan Application Amount | $63,277,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $776,000 |
| 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 |
* | $ 178,931,000 | 103 | $ 6,795,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 96 | $ 10,385,000 |
| Dairyland State Bank 719 NORTH MAIN STREET BRUCE, WI 54819 |
* | $ 81,558,000 | 43 | $ 3,589,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 28 | $ 3,598,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 219,921,000 | 19 | $ 3,411,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 18 | $ 2,328,000 |
| Bank Mutual 4949 W BROWN DEER ROAD MILWAUKEE, WI 53224 |
* | $ 3,511,269,000 | 17 | $ 2,306,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 16 | $ 1,818,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,664,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 12 | $ 1,279,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 12 | $ 1,774,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 929,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 646,062,000 | 9 | $ 1,031,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,044,603,000 | 9 | $ 688,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 4,461,272,000 | 9 | $ 1,268,000 |
| Citizens Community Federal PO BOX 218 ALTOONA, WI 54720 |
* | $ 566,651,000 | 8 | $ 844,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 5,572,351,000 | 8 | $ 1,638,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 381,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 7 | $ 741,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 6 | $ 382,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 331,868,000 | 6 | $ 1,070,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 772,000 |
| First National Bank of Waupaca 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 705,398,000 | 5 | $ 299,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 431,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 604,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 4 | $ 566,000 |
| Abbybank 401 E SPRUCE STREET PO BOX 648 ABBOTSFORD, WI 54405 |
* | $ 274,181,000 | 4 | $ 234,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 4 | $ 687,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 339,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 3 | $ 374,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 347,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 319,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 535,532,000 | 2 | $ 436,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 17,921,579,000 | 2 | $ 151,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ 153,205,000 | 2 | $ 339,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 2 | $ 50,000 |
| The Northwestern Bank 202 N. BRIDGE ST. PO BOX 49 CHIPPEWA FALLS, WI 54729 |
* | $ 344,064,000 | 2 | $ 274,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 25,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 228,000 |
| The Baraboo National Bank 101 THIRD AVENUE, PO BOX 50 BARABOO, WI 53913 |
* | $ 774,425,000 | 2 | $ 243,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 1,418,487,000 | 2 | $ 343,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 112,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 846,129,000 | 2 | $ 262,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 163,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 2 | $ 538,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 288,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 70,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 2,522,940,000 | 1 | $ 50,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 1 | $ 215,000 |
| Great Lakes Credit Union 2525 GREEN BAY BANNOCKBURN, IL 60015 |
* | $ 542,743,000 | 1 | $ 119,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 731,347,000 | 1 | $ 240,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,422,795,000 | 1 | $ 20,000 |
| Blackhawk Community Credit Uni PO BOX 5366 JANESVILLE, WI 53547 |
* | $ 312,279,000 | 1 | $ 80,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 43,971,627,000 | 1 | $ 117,000 |
| Partners Bank of Wisconsin 907 NORTH CENTRAL AVE., PO BOX 730 MARSHFIELD, WI 54449 |
* | $ 86,071,000 | 1 | $ 87,000 |
| Farmers Savings Bank 305 DOTY ST MINERAL POINT, WI 53565 |
* | $ 212,111,000 | 1 | $ 85,000 |
| Farmers & Merchants Union Bank 159 W JAMES ST PO BOX 226 COLUMBUS, WI 53925 |
* | $ 294,911,000 | 1 | $ 226,000 |
| Stratford State Bank 307 N WEBER AVE - PO BOX 13 STRATFORD, WI 54484 |
* | $ 106,515,000 | 1 | $ 42,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 1 | $ 98,000 |
| Blueleaf Lending, LLC 112 S SANGAMON STREET 2ND FLOOR CHICAGO, IL 60607 |
* | $ 221,438,000 | 1 | $ 101,000 |
| North Shore Bank FSB 225 N 5TH AVE STURGEON BAY, WI 54235 |
* | $ 1,813,673,000 | 1 | $ 187,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 80,000 |
| Time Federal Savings Bank 675 EAST BROADWAY AVENUE MEDFORD, WI 54451 |
* | $ 565,566,000 | 1 | $ 48,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 40,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 264,232,000 | 1 | $ 109,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ 48,803,000 | 1 | $ 215,000 |
| First Minnesota Bank 4625 COUNTY ROAD 101 MINNETONKA, MN 55345 |
* | $ 363,460,000 | 1 | $ 296,000 |
| Citizens State Bank of Loyal 400 N MAIN STREET PO BOX 218 LOYAL, WI 54446 |
* | $ 138,917,000 | 1 | $ 139,000 |
| The Port Washington State Bank 206 N FRANKLIN ST PORT WASHINGTON, WI 53074 |
* | $ 379,851,000 | 1 | $ 64,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 692,953,000 | 1 | $ 232,000 |
| Bank CMG 8020 EXCELSIOR DR STE 100 MADISON, WI 53717 |
* | $ 63,704,000 | 1 | $ 85,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 160,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,648,392,000 | 1 | $ 149,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 141,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 77,000 |
| Bank of Alma PO BOX 247 ALMA, WI 54610 |
* | $ 197,653,000 | 1 | $ 100,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ 267,130,000 | 1 | $ 265,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 33,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 86,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 206,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 2,823,342,000 | 1 | $ 65,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 1 | $ 150,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 191,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 132,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 99,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 33,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 1 | $ 114,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 1 | $ 245,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 145,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 86,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 171,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 192,000 |
The tables below break down 2010 mortgage applications in Rusk County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 413 | $48,954,000 | $118,000 | $950,000 | $73,000 | $575,000 |
| Home Purchase | 121 | $12,259,000 | $101,000 | $373,000 | $82,000 | $776,000 |
| Home Improvement | 49 | $2,064,000 | $42,000 | $321,000 | $50,000 | $138,000 |
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 | 522 | $54,220,000 | $103,000 | $417,000 | $73,000 | $776,000 |
| Not Provided | 34 | $3,866,000 | $113,000 | $379,000 | $106,000 | $575,000 |
| Not applicable | 19 | $4,379,000 | $230,000 | $950,000 | $13,000 | $143,000 |
| American Indian or Alaskan Native | 4 | $261,000 | $65,000 | $107,000 | $52,000 | $84,000 |
| Asian | 3 | $394,000 | $131,000 | $369,000 | $154,000 | $250,000 |
| Black or African American | 1 | $157,000 | $157,000 | $157,000 | $45,000 | $45,000 |
| Hispanic | 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) | 487 | $53,924,000 | $110,000 | $950,000 | $79,000 | $776,000 |
| FHA-insured (Federal Housing Administration) | 78 | $7,574,000 | $97,000 | $288,000 | $35,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 10 | $969,000 | $96,000 | $171,000 | $32,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $810,000 | $101,000 | $253,000 | $163,000 | $575,000 |
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 | 314 | $35,376,000 | $112,000 | $950,000 | $87,000 | $776,000 |
| Application Denied By Financial Institution | 120 | $11,974,000 | $99,000 | $380,000 | $54,000 | $538,000 |
| Application Withdrawn By Applicant | 82 | $9,128,000 | $111,000 | $379,000 | $65,000 | $557,000 |
| Loan Purchased By The Institution | 34 | $3,978,000 | $117,000 | $245,000 | $35,000 | $144,000 |
| Application Approved But Not Accepted | 21 | $1,890,000 | $90,000 | $362,000 | $87,000 | $410,000 |
| File Closed For Incompleteness | 12 | $931,000 | $77,000 | $160,000 | $47,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 34 | $2,414,000 | $71,000 | $299,000 | $38,000 | $90,000 |
| Debt-To-Income Ratio | 20 | $2,417,000 | $120,000 | $284,000 | $43,000 | $90,000 |
| Collateral | 19 | $2,563,000 | $134,000 | $308,000 | $76,000 | $282,000 |
| Other | 12 | $1,051,000 | $87,000 | $369,000 | $91,000 | $538,000 |
| Employment History | 5 | $322,000 | $64,000 | $94,000 | $33,000 | $81,000 |
| Credit Application Incomplete | 3 | $400,000 | $133,000 | $185,000 | $182,000 | $463,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $29,000 | $29,000 |
| 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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