In 2012, lenders reported 630 mortgage applications in Rusk County, WI totaling $69.1 million, up 15% from 2011. The average application was for $109,000, and applicants reported an average income of $71,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Heritage Credit Union, with 129 applications, followed by Wells Fargo Bank NA and Royal 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 | 630 |
| Total Mortgage Loan Application Amount | $69,137,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $839,000 |
| 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 |
* | $ 219,503,000 | 129 | $ 9,172,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 83 | $ 10,016,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,270,979,000 | 50 | $ 6,188,000 |
| Dairyland State Bank 719 NORTH MAIN STREET BRUCE, WI 54819 |
* | $ 78,684,000 | 33 | $ 2,788,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 25 | $ 2,768,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 22 | $ 2,316,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 1,755,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 17 | $ 2,091,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,144,525,000 | 17 | $ 1,957,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 248,087,000 | 17 | $ 2,655,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,497,000,000 | 14 | $ 1,560,000 |
| Citizens Community Federal 2174 EASTRIDGE CENTER EAU CLAIRE, WI 54701 |
* | $ 530,805,000 | 13 | $ 1,070,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 10 | $ 1,912,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 10 | $ 1,003,000 |
| Security Bank PO BOX 278 NEW AUBURN, WI 54757 |
* | $ 69,980,000 | 9 | $ 1,196,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 6 | $ 1,238,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 1,068,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 3,067,409,000 | 5 | $ 624,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 5 | $ 428,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 743,286,000 | 5 | $ 612,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 422,000 |
| Prevail Bank 675 E BROADWAY AVE MEDFORD, WI 54451 |
* | $ 609,985,000 | 4 | $ 226,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 439,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 4 | $ 525,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 272,961,000 | 4 | $ 604,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 329,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 3 | $ 405,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 309,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 560,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 287,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 3 | $ 194,000 |
| Charter Bank 1010 W CLAIREMONT AVE EAU CLAIRE, WI 54701 |
* | $ 549,908,000 | 2 | $ 90,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 17,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 2 | $ 181,000 |
| First National Bank of Waupaca 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 750,443,000 | 2 | $ 245,000 |
| Bremer Bank NA (Menomonie) 605 2ND ST MENOMONIE, WI 54751 |
* | $ 667,441,000 | 2 | $ 195,000 |
| National Exchange Bank and Trust 130 SOUTH MAIN STREET FOND DU LAC, WI 54936 |
* | $ 1,273,731,000 | 2 | $ 148,000 |
| The Baraboo National Bank 101 THIRD AVENUE, PO BOX 50 BARABOO, WI 53913 |
* | $ 766,052,000 | 2 | $ 223,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 594,790,000 | 2 | $ 395,000 |
| St Paul Federal Credit Union 1330 CONWAY ST, STE 200 SAINT PAUL, MN 55106 |
* | $ 113,849,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 344,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 371,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 213,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 237,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 216,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 2 | $ 239,000 |
| Accunet Mortgage LLC 13000 W SILVER SPRING DR. WAUKESHA, WI 53188 |
* | $ 22,766,000 | 1 | $ 262,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 220,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 1 | $ 95,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 271,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 222,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 179,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 34,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 165,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 34,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 41,000 |
| First National Bank - Fox Vall 550 S. GREEN BAY ROAD NEENAH, WI 54956 |
* | $ 317,720,000 | 1 | $ 230,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ 904,578,000 | 1 | $ 124,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ 161,180,000 | 1 | $ 169,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,154,398,000 | 1 | $ 171,000 |
| The National Bank & Trust Comp 230 W STATE ST SYCAMORE, IL 60178 |
* | $ 589,812,000 | 1 | $ 140,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 975,137,000 | 1 | $ 100,000 |
| Lake Community Bank 1964 WEST WAYZATA BLVD. LONG LAKE, MN 55356 |
* | $ 143,369,000 | 1 | $ 135,000 |
| Partnership Bank N58W6194 COLUMBIA ROAD CEDARBURG, WI 53012 |
* | $ 97,799,000 | 1 | $ 145,000 |
| Bank of Deerfield 15 S. MAIN ST., PO BOX 85 DEERFIELD, WI 53531 |
* | $ 93,458,000 | 1 | $ 296,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 756,147,000 | 1 | $ 33,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 840,006,000 | 1 | $ 236,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 824,231,000 | 1 | $ 97,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,459,365,000 | 1 | $ 205,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,458,515,000 | 1 | $ 150,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 170,108,000 | 1 | $ 172,000 |
| The Northwestern Bank 202 N. BRIDGE ST. PO BOX 49 CHIPPEWA FALLS, WI 54729 |
* | $ 376,937,000 | 1 | $ 152,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 257,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 89,000 |
| The Business Bank 11100 WAYZATA BLVD SUITE 150 MINNETONKA, MN 55305 |
* | $ 196,128,000 | 1 | $ 232,000 |
| Integrity First Bank 101 GRAND AVE WAUSAU, WI 54403 |
* | $ 99,114,000 | 1 | $ 111,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 115,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 159,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 199,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 297,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 57,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 1,427,501,000 | 1 | $ 82,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 1,587,453,000 | 1 | $ 14,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 803,603,000 | 1 | $ 99,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 558,221,000 | 1 | $ 96,000 |
| Farmers & Merchants Union Bank 159 W JAMES ST PO BOX 226 COLUMBUS, WI 53925 |
* | $ 292,979,000 | 1 | $ 220,000 |
| River Falls State Bank 124 S. SECOND STREET RIVER FALLS, WI 54022 |
* | $ 81,873,000 | 1 | $ 219,000 |
| The Park Bank 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ 769,369,000 | 1 | $ 79,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 984,440,000 | 1 | $ 52,000 |
| Abbybank 401 E SPRUCE STREET PO BOX 648 ABBOTSFORD, WI 54405 |
* | $ 302,562,000 | 1 | $ 196,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 1,778,441,000 | 1 | $ 137,000 |
| Farmers & Merchants State Bank 210 W. MADISON ST. WATERLOO, WI 53594 |
* | $ 143,792,000 | 1 | $ 46,000 |
| Mid-Wisconsin Bank 134 S 8TH ST MEDFORD, WI 54451 |
* | $ 484,866,000 | 1 | $ 67,000 |
| Blackhawk Community Credit Uni PO BOX 5366 JANESVILLE, WI 53547 |
* | $ 340,608,000 | 1 | $ 196,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,580,221,000 | 1 | $ 169,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 53,000 |
The tables below break down 2012 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 | 461 | $53,348,000 | $115,000 | $950,000 | $75,000 | $839,000 |
| Home Purchase | 128 | $13,473,000 | $105,000 | $264,000 | $65,000 | $655,000 |
| Home Improvement | 41 | $2,316,000 | $56,000 | $408,000 | $52,000 | $223,000 |
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 | 572 | $60,904,000 | $106,000 | $610,000 | $72,000 | $839,000 |
| Not Provided | 39 | $4,610,000 | $118,000 | $325,000 | $78,000 | $695,000 |
| Not applicable | 14 | $3,121,000 | $222,000 | $950,000 | $4,000 | $63,000 |
| Hispanic | 5 | $502,000 | $100,000 | $160,000 | $63,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 532 | $58,503,000 | $109,000 | $950,000 | $78,000 | $839,000 |
| FHA-insured (Federal Housing Administration) | 60 | $5,973,000 | $99,000 | $253,000 | $24,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,944,000 | $147,000 | $297,000 | $50,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,717,000 | $95,000 | $190,000 | $32,000 | $50,000 |
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 | 366 | $42,537,000 | $116,000 | $950,000 | $82,000 | $839,000 |
| Application Denied By Financial Institution | 107 | $10,404,000 | $97,000 | $262,000 | $51,000 | $175,000 |
| Application Withdrawn By Applicant | 87 | $8,986,000 | $103,000 | $297,000 | $64,000 | $391,000 |
| Loan Purchased By The Institution | 28 | $3,485,000 | $124,000 | $264,000 | $37,000 | $148,000 |
| Application Approved But Not Accepted | 27 | $2,788,000 | $103,000 | $306,000 | $72,000 | $312,000 |
| File Closed For Incompleteness | 15 | $937,000 | $62,000 | $208,000 | $59,000 | $130,000 |
| 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 | 30 | $2,489,000 | $82,000 | $222,000 | $46,000 | $120,000 |
| Debt-To-Income Ratio | 21 | $2,381,000 | $113,000 | $234,000 | $48,000 | $158,000 |
| Collateral | 20 | $2,118,000 | $105,000 | $243,000 | $59,000 | $144,000 |
| Other | 8 | $614,000 | $76,000 | $134,000 | $74,000 | $142,000 |
| Credit Application Incomplete | 6 | $462,000 | $77,000 | $154,000 | $47,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $141,000 | $70,000 | $105,000 | $25,000 | $30,000 |
| Mortgage Insurance Denied | 1 | $41,000 | $41,000 | $41,000 | $80,000 | $80,000 |
| Unverifiable Information | 1 | $248,000 | $248,000 | $248,000 | $90,000 | $90,000 |
| Employment History | 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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