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Marinette County, Wisconsin
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,545 mortgage applications in Marinette County, Wisconsin, for 2024, and originated 1,021 loans worth $148m.
That is 53.6 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 18.3%, close to the state rate of 17.1%. The median rate spread on originated loans was 0.4 percentage points and 10.1% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were Stephenson National Bank & Trust (84), First Colony Mortgage Corporation (68) and Associated Bank NA (64).
Originations were up 14% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Stephenson National Bank & Trust | 108 | 84 | $14m | 9.3% | — |
| 2 | First Colony Mortgage Corporation | 86 | 68 | $12m | 2.6% | — |
| 3 | Associated Bank NA | 100 | 64 | $6.6m | 29.3% | — |
| 4 | Covantage Credit Union | 88 | 60 | $5.8m | 18.7% | — |
| 5 | Nicolet National Bank | 68 | 60 | $9.1m | 3.2% | — |
| 6 | Flagstar Bank NA | 65 | 49 | $6.6m | 15.0% | — |
| 7 | Capital Credit Union | 65 | 46 | $5.8m | 10.3% | — |
| 8 | Guaranteed Rate, Inc. | 55 | 46 | $7.7m | 4.1% | — |
| 9 | Rocket Mortgage | 58 | 40 | $5.4m | 22.2% | — |
| 10 | United Wholesale Mortgage | 43 | 35 | $7.7m | 5.3% | — |
| 11 | Pcm Credit Union | 47 | 32 | $3.4m | 13.5% | — |
| 12 | BMO Harris Bank NA | 48 | 27 | $2.7m | 35.7% | — |
| 13 | Fox Communities Credit Union | 33 | 25 | $3.5m | 3.4% | — |
| 14 | Peshtigo National Bank | 27 | 23 | $3.1m | 11.5% | — |
| 15 | Marine Credit Union | 34 | 15 | $1.7m | 37.0% | — |
| 16 | Mortgage Research Center | 32 | 9 | $2.1m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 18.3% | 17.1% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.1% | 11.0% | 15.6% |
| Average originated loan | $145k | $223k | $329k |
| Originations per 1,000 households | 53.6 | 55.4 | 48.0 |
| Home purchase share of originations | 50.0% | 46.3% | 57.0% |
| FHA-insured share | 6.4% | 5.6% | 13.4% |
| VA-guaranteed share | 6.3% | 4.3% | 7.9% |
Rate spread distribution
Share of 800 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Wisconsin). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 50% (511)Home improvement 9% (88)Refinancing 13% (136)Cash-out refinancing 17% (173)Other purpose 11% (113)
By type
Conventional 84% (861)FHA 6% (65)VA 6% (64)USDA 3% (31)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Marinette County, WI?
By 2024 originations: Stephenson National Bank & Trust (84), First Colony Mortgage Corporation (68), Associated Bank NA (64), Covantage Credit Union (60), Nicolet National Bank (60). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Marinette County?
18.3% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Marinette County in 2024?
1,021 loans totalling $148m, from 1,545 applications; 53.6 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 55075; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.