Vernon County, WI Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 947 mortgage applications in Vernon County, WI totaling $114.6 million, up 13% from 2011. The average application was for $120,000, and applicants reported an average income of $72,000. 68% of applications resulted in an originated loan and 15% were denied. The most active lender was Altra Federal Credit Union, with 144 applications, followed by Associated Bank NA and The Baraboo National 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 947
Total Mortgage Loan Application Amount $114,553,000
Average Mortgage Loan Application Amount $120,000
Highest Mortgage Loan Application Amount $3,775,000
Average Applicant Income $72,000
Highest Applicant Income $1,319,000

Mortgage Company List for Lending in Vernon 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
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 840,006,000 144 $ 17,506,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 21,715,012,000 117 $ 12,138,000
The Baraboo National Bank
101 THIRD AVENUE, PO BOX 50
BARABOO, WI 53913
* $ 766,052,000 103 $ 9,348,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 309,755,000 54 $ 5,676,000
River Bank
145 N MAIN ST, P.O. BOX 280
STODDARD, WI 54658
* $ 421,886,000 52 $ 7,326,000
Badgerland Financial, Aca
1430 NORTH RIDGE DRIVE
PRAIRIE DU SAC, WI 53578
* $ 10,000,000 50 $ 7,376,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 42 $ 5,399,000
Anchorbank FSB
25 WEST MAIN STREET
MADISON, WI 53703
* $ 3,067,409,000 27 $ 2,813,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 25 $ 2,663,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 19 $ 1,859,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 18 $ 1,466,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 426,033,000 16 $ 1,288,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ 275,739,000 15 $ 1,919,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 14 $ 1,478,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ 332,257,000 13 $ 6,950,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,241,069,000 11 $ 1,786,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 11 $ 1,595,000
Governmental Employees Credit Union
225 LA CROSSE ST
LA CROSSE, WI 54601
* $ 53,485,000 11 $ 817,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ 61,595,000 10 $ 713,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 1,735,536,000 8 $ 662,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 7 $ 1,116,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 6 $ 781,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 6 $ 593,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,283,070,000 6 $ 722,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 781,000
Partnership Bank
N58W6194 COLUMBIA ROAD
CEDARBURG, WI 53012
* $ 97,799,000 6 $ 847,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 5 $ 445,000
The First National Bank of Bangor
1798 COMMERCIAL ST
BANGOR, WI 54614
* $ 203,707,000 5 $ 864,000
Kerndt Brothers Savings Bank
370 MAIN ST PO BOX 370
LANSING, IA 52151
* $ 226,483,000 5 $ 229,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ 10,000,000 5 $ 366,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 680,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 509,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ 10,000,000 4 $ 557,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 4 $ 632,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 520,000
1st Community Credit Union
1000 W. WISCONSIN STREET
SPARTA, WI 54656
* $ 105,595,000 3 $ 283,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 1,427,501,000 3 $ 413,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 527,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 628,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 172,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ 453,215,000 3 $ 549,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 3 $ 311,000
Citizens Community Federal
2174 EASTRIDGE CENTER
EAU CLAIRE, WI 54701
* $ 530,805,000 3 $ 384,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 3 $ 380,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 2 $ 279,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 2 $ 40,000
Badger Bank
220 GRANT ST/PO BOX 26
FORT ATKINSON, WI 53538
* $ 108,149,000 2 $ 144,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 309,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 2 $ 440,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 252,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 2 $ 246,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 2 $ 207,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 256,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 369,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 268,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 474,000
Waukesha State Bank
151 E ST PAUL AVE P.O. BOX 648
WAUKESHA, WI 53187
* $ 795,902,000 2 $ 276,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 236,801,000 2 $ 115,000
The Peoples Community Bank
222 W. COMMERCIAL ST., PO BOX 8
MAZOMANIE, WI 53560
* $ 242,307,000 2 $ 298,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 282,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 308,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ 10,000,000 1 $ 125,000
Hartland Mortgage Centers
1900 W 75TH ST
WOODRIDGE, IL 60517
* $ 10,000,000 1 $ 137,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 119,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 1 $ 77,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 1 $ 120,000
Union State Bank of West Salem
120 S. MILL STREET/ PO BOX 870
WEST SALEM, WI 54669
* $ 60,406,000 1 $ 99,000
Valley Bank
3455 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 616,985,000 1 $ 121,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 713,681,000 1 $ 205,000
Citizens Bank
301 N ROCHESTER ST PO BOX 223
MUKWONAGO, WI 53149
* $ 650,838,000 1 $ 73,000
Heartland Credit Union
5325 HIGH CROSSING BLVD
MADISON, WI 53718
* $ 176,510,000 1 $ 84,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 1,778,441,000 1 $ 90,000
Devon Bank
6445 N WESTERN AVENUE
CHICAGO, IL 60645
* $ 265,947,000 1 $ 37,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 205,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 85,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 75,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 116,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 152,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 82,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 170,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 119,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 71,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 153,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 206,000
Cleveland State Bank
1250 W. WASHINGTON AVE
CLEVELAND, WI 53015
* $ 93,267,000 1 $ 115,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 1,459,365,000 1 $ 80,000
Endura Financial F. C. U.
820 N LILAC
MINNEAPOLIS, MN 55422
* $ 341,167,000 1 $ 60,000
Bluff View Bank
16893 SOUTH MAIN STREET
GALESVILLE, WI 54630
* $ 86,707,000 1 $ 138,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 142,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ 436,593,000 1 $ 170,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,144,525,000 1 $ 42,000
Community Bank Corporation
706 WALNUT STREET
CHASKA, MN 55318
* $ 148,689,000 1 $ 192,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 101,000
E*Trade Savings Bank
671 N. GLEBE RD 12TH FLOOR
ARLINGTON, VA 22203
* $ 1,677,184,000 1 $ 84,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 108,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 1 $ 107,000
North Shore Bank FSB
15700 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53005
* $ 1,769,349,000 1 $ 160,000
Prevail Bank
675 E BROADWAY AVE
MEDFORD, WI 54451
* $ 609,985,000 1 $ 202,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 47,000
First National Bank of Waupaca
402 N. 8TH ST.
MANITOWOC, WI 54221
* $ 750,443,000 1 $ 290,000
Middleton Community Bank
3207 PARMENTER ST
MIDDLETON, WI 53562
* $ 218,136,000 1 $ 123,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 151,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 125,000

The tables below break down 2012 mortgage applications in Vernon 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 Vernon 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 741 $93,012,000 $125,000 $3,775,000 $70,000 $1,319,000
Home Purchase 153 $18,135,000 $118,000 $405,000 $85,000 $1,058,000
Home Improvement 53 $3,406,000 $64,000 $189,000 $66,000 $202,000

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 869 $98,222,000 $113,000 $628,000 $74,000 $1,319,000
Not Provided 34 $4,105,000 $120,000 $300,000 $69,000 $386,000
Not applicable 33 $10,968,000 $332,000 $3,775,000 $27,000 $144,000
Hispanic 8 $923,000 $115,000 $243,000 $92,000 $148,000
American Indian or Alaskan Native 3 $335,000 $111,000 $174,000 $54,000 $71,000
Asian 0 $0 $0 $0 $0 $0
Black or African American 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) 836 $99,033,000 $118,000 $3,775,000 $76,000 $1,319,000
FHA-insured (Federal Housing Administration) 64 $7,805,000 $121,000 $234,000 $30,000 $128,000
VA-guaranteed (Veterans Administration) 32 $5,096,000 $159,000 $287,000 $73,000 $690,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $2,619,000 $174,000 $1,214,000 $35,000 $64,000

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 648 $80,237,000 $123,000 $3,775,000 $77,000 $1,319,000
Application Denied By Financial Institution 141 $15,384,000 $109,000 $360,000 $62,000 $690,000
Application Withdrawn By Applicant 76 $8,605,000 $113,000 $394,000 $58,000 $300,000
Loan Purchased By The Institution 45 $5,866,000 $130,000 $232,000 $40,000 $239,000
Application Approved But Not Accepted 24 $3,025,000 $126,000 $356,000 $102,000 $386,000
File Closed For Incompleteness 13 $1,436,000 $110,000 $215,000 $78,000 $180,000
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 36 $4,746,000 $131,000 $330,000 $80,000 $183,000
Credit History 29 $2,504,000 $86,000 $209,000 $83,000 $690,000
Debt-To-Income Ratio 28 $3,470,000 $123,000 $360,000 $43,000 $126,000
Other 12 $1,081,000 $90,000 $174,000 $51,000 $106,000
Unverifiable Information 5 $472,000 $94,000 $142,000 $38,000 $85,000
Credit Application Incomplete 5 $539,000 $107,000 $146,000 $45,000 $99,000
Employment History 2 $146,000 $73,000 $101,000 $52,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 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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