The Stephenson National Bank and Trust
The Stephenson National Bank and Trust received 230 applications in 2025 and made 180 mortgages, in 15 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 229 decisions, 21 were denials — 9.2%, most often for credit history.
| Legal Entity Identifier | 549300508JOHWSRFDR57 |
|---|---|
| Applications received | 230 |
| Mortgages made | 180 |
| Denied | 21 |
| Approved, not taken up | 28 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Stephenson National Bank and Trust, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 97 | Not published | $175,000 | 10.9% |
| Refinancing | 24 | Not published | $125,000 | 6.9% |
| Cash-out refinancing | 37 | Not published | $115,000 | 8.9% |
| Other purposes | 22 | Not published | $55,000 | 3.9% |
Where The Stephenson National Bank and Trust lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marinette County, WI | 85 | Not published | 10.7% |
| Menominee County, MI | 46 | Not published | 6.9% |
| Oconto County, WI | 21 | Not published | 4.2% |
| Brown County, WI | 15 | Not published | 5.9% |
| Outagamie County, WI | 6 | Under 10 loans | 0.0% |
| Winnebago County, WI | 2 | Under 10 loans | 0.0% |
| Gogebic County, MI | 1 | Under 10 loans | 0.0% |
| Iron County, MI | 1 | Under 10 loans | 0.0% |
| Marquette County, MI | 1 | Under 10 loans | 0.0% |
| Langlade County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Dickinson County, MI | 0 | Under 10 loans | 100.0% |
| Door County, WI | 0 | Under 10 loans | 0.0% |
| Florence County, WI | 0 | Under 10 loans | 100.0% |
| Shawano County, WI | 0 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.