Rusk County, WI Mortgage Lenders & HMDA Data, 2012

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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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 Company List for Lending in Rusk County, WI for 2012

* 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
* $ 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.

Mortgage Loan Application Detail Totals for Rusk County, WI in 2012

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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