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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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MID-WISCONSIN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MID-WISCONSIN BANK |
| Address | 134 S 8TH ST
MEDFORD, WI 54451 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 920 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $85,768,000 |
| Average Mortgage Loan Amount Applied For | $152,921 |
| Highest Mortgage Loan Amount Applied For | $2,150,000 |
| Average Applicant Income | $105,947 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
104 | $5,990,000 |
$57,000 | $430,000 |
$60,000 | $995,000 |
| Home Purchase |
264 | $26,649,000 |
$100,000 | $2,150,000 |
$53,000 | $800,000 |
| Refinancing |
552 | $53,129,000 |
$96,000 | $1,500,000 |
$57,000 | $1,000,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $319,000 |
$106,000 | $139,000 |
$53,000 | $86,000 |
| Black or African American |
2 | $78,000 |
$39,000 | $63,000 |
$44,000 | $44,000 |
| Hispanic |
11 | $549,000 |
$49,000 | $180,000 |
$47,000 | $118,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $5,000 |
$5,000 | $5,000 |
$39,000 | $39,000 |
| Not applicable |
50 | $10,748,000 |
$214,000 | $1,500,000 |
$5,000 | $144,000 |
| Not Provided |
10 | $2,220,000 |
$222,000 | $1,200,000 |
$37,000 | $86,000 |
| White |
843 | $71,849,000 |
$85,000 | $2,150,000 |
$60,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
919 | $85,748,000 |
$93,000 | $2,150,000 |
$56,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) |
1 | $20,000 |
$20,000 | $20,000 |
$72,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
1 | $27,000 |
$27,000 | $27,000 |
$27,000 | $27,000 |
| Application Denied By Financial Institution |
70 | $6,383,000 |
$91,000 | $510,000 |
$39,000 | $144,000 |
| Application Withdrawn By Applicant |
81 | $7,966,000 |
$98,000 | $360,000 |
$54,000 | $156,000 |
| File Closed For Incompleteness |
3 | $1,280,000 |
$426,000 | $1,200,000 |
$31,000 | $55,000 |
| Loan Originated |
765 | $70,112,000 |
$91,000 | $2,150,000 |
$58,000 | $1,000,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
7 | $418,000 |
$59,000 | $120,000 |
$32,000 | $44,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
27 | $2,523,000 |
$93,000 | $510,000 |
$44,000 | $107,000 |
| Debt-To-Income Ratio |
26 | $2,546,000 |
$97,000 | $280,000 |
$37,000 | $144,000 |
| Employment History |
2 | $111,000 |
$55,000 | $63,000 |
$31,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $305,000 |
$101,000 | $133,000 |
$46,000 | $76,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $20,000 |
$20,000 | $20,000 |
$30,000 | $30,000 |
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Mortgage Loan App Totals for MID-WISCONSIN BANK by:
Metropolitan Area And
County
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