Vernon County, WI Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 715 mortgage applications in Vernon County, WI totaling $94.9 million, up 9% from 2017. The average application was for $132,000, and applicants reported an average income of $74,000. 60% of applications resulted in an originated loan and 19% were denied. The most active lender was Altra Federal Credit Union, with 97 applications, followed by Associated Bank NA and Royal 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 715
Total Mortgage Loan Application Amount $94,915,000
Average Mortgage Loan Application Amount $132,000
Highest Mortgage Loan Application Amount $2,305,000
Average Applicant Income $74,000
Highest Applicant Income $410,000

Mortgage Company List for Lending in Vernon County, WI for 2018

* 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
* $ 1,386,493,000 97 $ 14,385,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 30,422,051,000 73 $ 6,955,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 414,950,000 41 $ 4,465,000
River Bank
145 N MAIN ST, P.O. BOX 280
STODDARD, WI 54658
* $ 482,114,000 26 $ 3,280,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 755,545,000 23 $ 2,285,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 19 $ 2,575,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 19 $ 1,645,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ 81,355,000 18 $ 1,860,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,656,476,000 18 $ 2,600,000
Verve, A Credit Union
2900 UNIVERSAL ST
OSHKOSH, WI 54904
* $ 914,722,000 17 $ 1,925,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 17 $ 1,485,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 17 $ 3,005,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 2,560,045,000 15 $ 1,755,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 14 $ 2,220,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 14 $ 2,320,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 12 $ 1,910,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 12 $ 1,140,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 10 $ 1,210,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 1,540,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 9 $ 1,135,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,195,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 8 $ 1,420,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 8 $ 990,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ 2,900,502,000 7 $ 815,000
Park Bank National Association
1200 MAIN STREET PO BOX 100
HOLMEN, WI 54636
* $ 60,474,000 6 $ 920,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ 356,305,000 6 $ 570,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 1,150,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 5 $ 765,000
1st Community Credit Union
1000 W. WISCONSIN STREET
SPARTA, WI 54656
* $ 153,134,000 5 $ 645,000
Governmental Employees Credit Union
225 LA CROSSE ST
LA CROSSE, WI 54601
* $ 69,038,000 5 $ 315,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 595,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 11,915,259,000 5 $ 555,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 5 $ 745,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 740,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 550,000
Heartland Credit Union
5325 HIGH CROSSING BLVD
MADISON, WI 53718
* $ 267,743,000 4 $ 300,000
Citizens State Bank
620 MAIN STREET
LA CROSSE, WI 54601
* $ 245,801,000 4 $ 930,000
Kerndt Brothers Savings Bank
370 MAIN ST PO BOX 370
LANSING, IA 52151
* $ 279,216,000 4 $ 630,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 140,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 275,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 325,000
State Bank Financial
401 MAIN ST
LA CROSSE, WI 54601
* $ 355,756,000 3 $ 2,515,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 3 $ 745,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 275,000
Baraboo State Bank
101 THIRD AVENUE, PO BOX 50
BARABOO, WI 53913
* $ 397,039,000 3 $ 235,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 3 $ 475,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 795,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 3 $ 365,000
Union State Bank of West Salem
120 S. MILL STREET/ PO BOX 870
WEST SALEM, WI 54669
* $ 85,889,000 2 $ 260,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 610,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 350,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ -1,000 2 $ 340,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 390,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 3,602,950,000 2 $ 140,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 320,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 120,000
The First National Bank of Bangor
1798 COMMERCIAL ST
BANGOR, WI 54614
* $ 235,970,000 2 $ 170,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ 984,052,000 2 $ 260,000
Partnership Bank
N58W6194 COLUMBIA ROAD
CEDARBURG, WI 53012
* $ 275,381,000 2 $ 470,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 220,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 140,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 100,000
Inspired Financial Services, LLC
2708 BICENTENNIAL DR, STE A
CEDAR FALLS, IA 50613
* $ -1,000 2 $ 220,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 2 $ 250,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 140,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 2 $ 200,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 321,974,000 2 $ 90,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 85,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,376,902,000 1 $ 165,000
The Park Bank
1815 GREENWAY CROSS
MADISON, WI 53713
* $ 896,579,000 1 $ 165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 115,000
Bristol Morgan Bank
103 S. MAIN ST., PO BOX 128
OAKFIELD, WI 53065
* $ 96,148,000 1 $ 135,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 17,422,977,000 1 $ 75,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 275,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 65,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 195,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,948,023,000 1 $ 155,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 1 $ 245,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 940,832,000 1 $ 115,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 85,000
Fox Valley Savings Bank
51 EAST FIRST STREET
FOND DU LAC, WI 54935
* $ 331,712,000 1 $ 175,000
Educators Credit Union
1326 WILLOW RD
MOUNT PLEASANT, WI 53177
* $ 1,972,452,000 1 $ 45,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,308,536,000 1 $ 165,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 105,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 135,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 1 $ 65,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 1 $ 35,000
Blackhawk Community Credit Uni
PO BOX 5366
JANESVILLE, WI 53547
* $ 506,927,000 1 $ 35,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 45,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,720,468,000 1 $ 45,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 185,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 677,277,000 1 $ 55,000
Dmb Community Bank
321 N MAIN ST
DEFOREST, WI 53532
* $ 470,009,000 1 $ 255,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 85,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 185,000
Waterstone Bank SSB
11200 WEST PLANK COURT
WAUWATOSA, WI 53226
* $ 1,804,054,000 1 $ 2,095,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 336,769,000 1 $ 255,000
A+ Mortgage Services, Inc.
W188S7820 RACINE AVE SUITE 100
MUSKEGO, WI 53150
* $ -1,000 1 $ 125,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 1 $ 15,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 155,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 718,393,000 1 $ 105,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 1 $ 75,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 105,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 320,913,000 1 $ 165,000
Esb Bank
115 N HWY 44/76
CALEDONIA, MN 55921
* $ 100,271,000 1 $ 85,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 819,888,000 1 $ 45,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 2,931,212,000 1 $ 125,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 185,000
The Peoples Community Bank
222 W. COMMERCIAL ST., PO BOX 8
MAZOMANIE, WI 53560
* $ 270,234,000 1 $ 35,000
Bank of Milton
323 PARKVIEW DR.
MILTON, WI 53563
* $ 115,907,000 1 $ 85,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 65,000

The tables below break down 2018 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 2018

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
Home Purchase 340 $50,900,000 $149,000 $2,095,000 $77,000 $410,000
Cash-out Refinancing 149 $20,325,000 $136,000 $405,000 $70,000 $336,000
Refinancing 140 $19,200,000 $137,000 $2,305,000 $69,000 $213,000
Other Purpose 50 $2,810,000 $56,000 $385,000 $78,000 $244,000
Home Improvement 33 $1,465,000 $44,000 $165,000 $64,000 $137,000
Not Applicable 3 $215,000 $71,000 $125,000 $80,000 $80,000

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 621 $78,425,000 $126,000 $675,000 $74,000 $410,000
Not Provided 48 $5,630,000 $117,000 $275,000 $71,000 $247,000
Not applicable 27 $7,785,000 $288,000 $2,305,000 $66,000 $119,000
Black or African American 9 $2,005,000 $222,000 $385,000 $38,000 $44,000
Hispanic 6 $560,000 $93,000 $255,000 $46,000 $99,000
Asian 2 $260,000 $130,000 $165,000 $169,000 $279,000
American Indian or Alaskan Native 1 $165,000 $165,000 $165,000 $182,000 $182,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $73,000 $73,000

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) 574 $73,510,000 $128,000 $2,305,000 $77,000 $410,000
VA-guaranteed (Veterans Administration) 67 $11,695,000 $174,000 $385,000 $61,000 $163,000
FHA-insured (Federal Housing Administration) 56 $7,670,000 $136,000 $285,000 $58,000 $122,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $2,040,000 $113,000 $215,000 $54,000 $100,000

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 430 $60,350,000 $140,000 $2,305,000 $80,000 $410,000
Application Denied By Financial Institution 135 $14,235,000 $105,000 $405,000 $55,000 $336,000
Application Withdrawn By Applicant 71 $9,105,000 $128,000 $405,000 $67,000 $250,000
Loan Purchased By The Institution 36 $5,470,000 $151,000 $385,000 $76,000 $220,000
File Closed For Incompleteness 23 $3,275,000 $142,000 $375,000 $78,000 $279,000
Application Approved But Not Accepted 20 $2,480,000 $124,000 $305,000 $89,000 $231,000
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
Not applicable 533 $73,275,000 $137,000 $2,095,000 $79,000 $410,000
Debt-To-Income Ratio 88 $11,160,000 $126,000 $2,305,000 $54,000 $137,000
Credit History 41 $3,805,000 $92,000 $255,000 $53,000 $206,000
Collateral 24 $2,650,000 $110,000 $275,000 $62,000 $128,000
Other 16 $1,650,000 $103,000 $385,000 $63,000 $336,000
Credit Application Incomplete 7 $1,385,000 $197,000 $365,000 $84,000 $137,000
Unverifiable Information 2 $160,000 $80,000 $115,000 $90,000 $128,000
Employment History 2 $350,000 $175,000 $225,000 $46,000 $71,000
Insufficient Cash (Downpayment, Closing Cost) 2 $480,000 $240,000 $405,000 $83,000 $114,000
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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