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Stephenson National Bank & Trust

MARINETTE, WI

Stephenson National Bank & Trust processed 209 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 158 loans with a 10.1% denial rate. Home Purchase was the primary loan purpose. Based in MARINETTE, WI. The approval rate of 75.6% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Stephenson National Bank & Trust's 75.6% origination rate tells you how often an application turned into funded money; the 10.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (209 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

209
Applications
158
Originated
10.1%
Denial Rate
$193,612
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 209 158 21 $193,612

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Stephenson National Bank & Trust (LEI: 549300508JOHWSRFDR57) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
10
Credit history
8
Collateral
3
Other
1
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 121 89 $236,157
Cash-out Refinancing 30 21 $183,667
Refinancing 26 21 $115,769
Home Improvement 16 14 $104,375
Other 16 13 $106,250

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 178 74.7% 10.7%
American Indian or Alaska Native * 1 100.0% 0.0%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 173 75.7% 10.4%
Hispanic or Latino * 3 66.7% 33.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in WI

Other HMDA-reporting lenders in WI with similar activity. Compare any two side-by-side.

Fairway Independent Mort CORP

MADISON, WI

102,501 apps 74,401 originated 4.7% denied

Summit Credit Union

Cottage Grove, WI

15,990 apps 9,929 originated 10.9% denied

Uw Credit Union

MADISON, WI

11,177 apps 8,477 originated 12.3% denied

Associated Bank NA

Green Bay, WI

10,999 apps 6,532 originated 24.4% denied

Waterstone Mortgage Corporation

BROOKFIELD, WI

10,792 apps 7,819 originated 4.5% denied
Compare Stephenson National Bank & Trust vs Fairway Independent Mort CORP →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Stephenson National Bank & Trust process?
Stephenson National Bank & Trust processed 209 mortgage applications in the 2024 HMDA reporting year. Of these, 158 were originated (approved and funded), 4 were withdrawn by the applicant, and 21 were denied.
What is Stephenson National Bank & Trust's mortgage approval rate?
Stephenson National Bank & Trust has an approval (origination) rate of 75.6%, meaning 75.6% of all applications resulted in a funded mortgage. The denial rate is 10.1%.
What is the average loan amount at Stephenson National Bank & Trust?
The average mortgage loan amount at Stephenson National Bank & Trust is $193,612.
What are the most common reasons for mortgage denial at Stephenson National Bank & Trust?
The most common reasons for mortgage denial at Stephenson National Bank & Trust are: Debt-to-income ratio, Credit history, Collateral. In total, 21 applications were denied out of 209 total applications.
What types of mortgage loans does Stephenson National Bank & Trust offer?
Stephenson National Bank & Trust processes Conventional loans. The most common type is Conventional with 209 applications and an average loan amount of $193,612.
What loan purposes does Stephenson National Bank & Trust serve?
Stephenson National Bank & Trust serves the following loan purposes: Home Purchase (121 applications), Cash-out Refinancing (30 applications), Refinancing (26 applications), Home Improvement (16 applications), Other (16 applications). Home Purchase is the most common purpose.
Where is Stephenson National Bank & Trust located?
Stephenson National Bank & Trust is headquartered in MARINETTE, WI. The lender is identified by LEI 549300508JOHWSRFDR57 in HMDA data.
How does Stephenson National Bank & Trust compare in lending across racial demographics?
Stephenson National Bank & Trust reports demographic lending data under HMDA requirements. White applicants have an approval rate of 74.7% and denial rate of 10.7%; American Indian or Alaska Native applicants have an approval rate of 100.0% and denial rate of 0.0%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.