Rusk County, WI Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 508 mortgage applications in Rusk County, WI totaling $51.2 million, up 6% from 2014. The average application was for $100,000, and applicants reported an average income of $80,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Heritage Credit Union, with 130 applications, followed by Royal Credit Union 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 | 508 |
| Total Mortgage Loan Application Amount | $51,241,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $542,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $3,500,000 |
* 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 |
* | $ 271,959,000 | 130 | $ 8,253,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,543,002,000 | 40 | $ 4,155,000 |
| Dairyland State Bank 719 NORTH MAIN STREET BRUCE, WI 54819 |
* | $ 83,994,000 | 38 | $ 3,567,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 31 | $ 3,389,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 929,074,000 | 24 | $ 2,819,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 21 | $ 3,337,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 295,298,000 | 20 | $ 1,876,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 3,918,466,000 | 9 | $ 944,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 956,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,327,457,000 | 8 | $ 534,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 7 | $ 1,073,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 7 | $ 806,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 640,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,496,905,000 | 6 | $ 436,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 26,653,631,000 | 6 | $ 753,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 6 | $ 672,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 866,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 5 | $ 566,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 5 | $ 552,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 388,000 |
| Security Bank PO BOX 278 NEW AUBURN, WI 54757 |
* | $ 89,198,000 | 4 | $ 459,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 4 | $ 392,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 591,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 3 | $ 419,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 337,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 357,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 3 | $ 239,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 3 | $ 238,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 315,718,000 | 3 | $ 586,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 224,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 164,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 569,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 303,000 |
| First National Bank of Waupaca 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 788,240,000 | 2 | $ 399,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 68,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,036,325,000 | 2 | $ 369,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 981,433,000 | 2 | $ 279,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ 274,785,000 | 2 | $ 83,000 |
| The Baraboo National Bank 101 THIRD AVENUE, PO BOX 50 BARABOO, WI 53913 |
* | $ 435,151,000 | 2 | $ 373,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 2 | $ 329,000 |
| Abbybank 401 E SPRUCE STREET PO BOX 648 ABBOTSFORD, WI 54405 |
* | $ 328,638,000 | 2 | $ 226,000 |
| Union State Bank of West Salem 120 S. MILL STREET/ PO BOX 870 WEST SALEM, WI 54669 |
* | $ 66,460,000 | 1 | $ 120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Taylor Credit Union 825 E ALLMAN ST MEDFORD, WI 54451 |
* | $ 51,993,000 | 1 | $ 63,000 |
| Educators Credit Union 1326 WILLOW RD MOUNT PLEASANT, WI 53177 |
* | $ 1,480,634,000 | 1 | $ 75,000 |
| Prime Financial Credit Union 5656 S PACKARD AVE CUDAHY, WI 53110 |
* | $ 109,862,000 | 1 | $ 150,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 57,269,000 | 1 | $ 67,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 59,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 571,276,000 | 1 | $ 107,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 2,082,246,000 | 1 | $ 304,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 147,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 158,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 160,508,000 | 1 | $ 54,000 |
| The Northwestern Bank 202 N. BRIDGE ST. PO BOX 49 CHIPPEWA FALLS, WI 54729 |
* | $ 401,283,000 | 1 | $ 105,000 |
| Stearns Bank National Association 4191 2ND ST S ST. CLOUD, MN 56301 |
* | $ 1,763,816,000 | 1 | $ 196,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ 143,608,000 | 1 | $ 320,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 534,898,000 | 1 | $ 79,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 40,000 |
| Union Savings Bank 223 W STEPHENSON ST FREEPORT, IL 61032 |
* | $ 153,588,000 | 1 | $ 30,000 |
| East Wisconsin Savings Bank 109 W 2ND ST KAUKAUNA, WI 54130 |
* | $ 232,092,000 | 1 | $ 123,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 546,395,000 | 1 | $ 100,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 98,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 131,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 363,344,000 | 1 | $ 50,000 |
| Central Bank 2270 FRONTAGE RD WEST STILLWATER, MN 55082 |
* | $ 1,178,605,000 | 1 | $ 137,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 118,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 205,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 24,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 30,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Wolf River Community Bank 309 E MAIN ST HORTONVILLE, WI 54944 |
* | $ 137,413,000 | 1 | $ 57,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 304,357,000 | 1 | $ 77,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 3,271,040,000 | 1 | $ 138,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 215,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 68,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 49,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 49,372,000 | 1 | $ 167,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 155,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 99,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ 331,014,000 | 1 | $ 180,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 587,559,000 | 1 | $ 168,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,482,812,000 | 1 | $ 173,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 137,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 235,000 |
The tables below break down 2015 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 2015
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 | 250 | $26,197,000 | $104,000 | $542,000 | $87,000 | $3,500,000 |
| Home Purchase | 206 | $22,378,000 | $108,000 | $417,000 | $75,000 | $539,000 |
| Home Improvement | 52 | $2,666,000 | $51,000 | $360,000 | $70,000 | $316,000 |
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 | 447 | $45,401,000 | $101,000 | $542,000 | $84,000 | $3,500,000 |
| Not Provided | 33 | $2,582,000 | $78,000 | $168,000 | $70,000 | $233,000 |
| Not applicable | 21 | $2,783,000 | $132,000 | $479,000 | $28,000 | $353,000 |
| American Indian or Alaskan Native | 4 | $183,000 | $45,000 | $77,000 | $37,000 | $88,000 |
| Asian | 1 | $152,000 | $152,000 | $152,000 | $45,000 | $45,000 |
| Black or African American | 1 | $106,000 | $106,000 | $106,000 | $32,000 | $32,000 |
| Hispanic | 1 | $34,000 | $34,000 | $34,000 | $116,000 | $116,000 |
| 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) | 419 | $40,888,000 | $97,000 | $542,000 | $88,000 | $3,500,000 |
| FHA-insured (Federal Housing Administration) | 42 | $5,220,000 | $124,000 | $276,000 | $50,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,241,000 | $124,000 | $235,000 | $54,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,892,000 | $90,000 | $196,000 | $32,000 | $122,000 |
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 | 298 | $30,772,000 | $103,000 | $542,000 | $96,000 | $3,500,000 |
| Application Denied By Financial Institution | 82 | $7,449,000 | $90,000 | $300,000 | $57,000 | $316,000 |
| Application Withdrawn By Applicant | 74 | $8,405,000 | $113,000 | $417,000 | $70,000 | $276,000 |
| File Closed For Incompleteness | 27 | $1,708,000 | $63,000 | $256,000 | $57,000 | $166,000 |
| Loan Purchased By The Institution | 19 | $2,161,000 | $113,000 | $270,000 | $19,000 | $208,000 |
| Application Approved But Not Accepted | 8 | $746,000 | $93,000 | $199,000 | $71,000 | $124,000 |
| 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 | 20 | $1,528,000 | $76,000 | $152,000 | $48,000 | $90,000 |
| Collateral | 16 | $1,898,000 | $118,000 | $210,000 | $100,000 | $316,000 |
| Debt-To-Income Ratio | 9 | $1,030,000 | $114,000 | $300,000 | $64,000 | $121,000 |
| Credit Application Incomplete | 5 | $554,000 | $110,000 | $199,000 | $49,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $299,000 | $99,000 | $173,000 | $56,000 | $103,000 |
| Mortgage Insurance Denied | 2 | $113,000 | $56,000 | $59,000 | $41,000 | $44,000 |
| Other | 2 | $166,000 | $83,000 | $107,000 | $60,000 | $61,000 |
| Unverifiable Information | 1 | $66,000 | $66,000 | $66,000 | $31,000 | $31,000 |
| Employment History | 1 | $114,000 | $114,000 | $114,000 | $72,000 | $72,000 |
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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