Bankers' Bank Mortgage Lending & HMDA Data, 2019

In 2019, Bankers' Bank of Madison, WI reported 1,136 mortgage applications totaling $189.9 million, up 5% from 2018. The average application was for $167,183, and applicants reported an average income of $92,882. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Eau Claire, WI (95), Omaha-Council Bluffs, NE-IA (49) and Milwaukee-Waukesha-West Allis, WI (40) (applications in parentheses).

Mortgage Company & Address Bankers' Bank
7700 Mineral Point Road
Madison, WI 53717
Tel #: available with data download
Federal Regulator * available with data download
Years 2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,136
Total Mortgage Loan Application Amount $189,920,000
Average Mortgage Loan Application Amount $167,183
Highest Mortgage Loan Application Amount $485,000
Average Applicant Income $92,882
Highest Applicant Income $960,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankers' Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bankers' Bank by County in 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Eau Claire, Wisconsin 77 $ 14,315,000 $ 185,909 $ 113,000
Washburn, Wisconsin 51 $ 8,105,000 $ 158,921 $ 91,000
Carroll, Iowa 45 $ 7,685,000 $ 170,777 $ 84,000
Henry, Indiana 43 $ 4,615,000 $ 107,325 $ 74,000
Burnett, Wisconsin 42 $ 8,220,000 $ 195,714 $ 95,000
Washington, Wisconsin 33 $ 7,595,000 $ 230,151 $ 94,000
Portage, Wisconsin 26 $ 4,580,000 $ 176,153 $ 101,000
Sawyer, Wisconsin 25 $ 5,425,000 $ 217,000 $ 130,000
Sheboygan, Wisconsin 25 $ 4,185,000 $ 167,400 $ 93,000
La Crosse, Wisconsin 22 $ 4,240,000 $ 192,727 $ 82,000
Gogebic, Michigan 21 $ 1,795,000 $ 85,476 $ 62,000
Harrison, Iowa 20 $ 2,670,000 $ 133,500 $ 94,000
Bayfield, Wisconsin 20 $ 3,730,000 $ 186,500 $ 120,000
Chippewa, Wisconsin 18 $ 3,700,000 $ 205,555 $ 124,000
Dickinson, Iowa 17 $ 5,045,000 $ 296,764 $ 154,000
Jasper, Iowa 16 $ 1,530,000 $ 95,625 $ 62,000
Dodge, Wisconsin 16 $ 2,710,000 $ 169,375 $ 87,000
Mills, Iowa 15 $ 2,325,000 $ 155,000 $ 97,000
Ashland, Wisconsin 15 $ 2,145,000 $ 143,000 $ 141,000
Barron, Wisconsin 15 $ 2,595,000 $ 173,000 $ 71,000
Stephenson, Illinois 14 $ 2,000,000 $ 142,857 $ 85,000
Columbia, Wisconsin 14 $ 2,410,000 $ 172,142 $ 77,000
Shawano, Wisconsin 14 $ 2,040,000 $ 145,714 $ 79,000
Grant, Wisconsin 13 $ 1,605,000 $ 123,461 $ 58,000
Rock, Wisconsin 12 $ 2,510,000 $ 209,166 $ 75,000
Rush, Indiana 11 $ 1,475,000 $ 134,090 $ 74,000
Cerro Gordo, Iowa 11 $ 1,365,000 $ 124,090 $ 79,000
Dunn, Wisconsin 11 $ 2,475,000 $ 225,000 $ 100,000
Clinton, Illinois 10 $ 1,470,000 $ 147,000 $ 71,000
Clay, Iowa 10 $ 1,290,000 $ 129,000 $ 60,000
Pottawattamie, Iowa 10 $ 1,840,000 $ 184,000 $ 104,000
Madison, Iowa 9 $ 1,565,000 $ 173,888 $ 65,000
Carver, Minnesota 9 $ 3,455,000 $ 383,888 $ 111,000
Hamilton, Indiana 8 $ 2,220,000 $ 277,500 $ 150,000
Worth, Iowa 8 $ 1,190,000 $ 148,750 $ 66,000
Forest, Wisconsin 8 $ 940,000 $ 117,500 $ 132,000
Iron, Wisconsin 8 $ 750,000 $ 93,750 $ 57,000
Marathon, Wisconsin 8 $ 980,000 $ 122,500 $ 60,000
Pepin, Wisconsin 8 $ 1,180,000 $ 147,500 $ 89,000
DeKalb, Illinois 7 $ 895,000 $ 127,857 $ 93,000
Madison, Indiana 7 $ 935,000 $ 133,571 $ 92,000
Wells, Indiana 7 $ 1,365,000 $ 195,000 $ 151,000
O'Brien, Iowa 7 $ 645,000 $ 92,142 $ 56,000
Trempealeau, Wisconsin 7 $ 1,135,000 $ 162,142 $ 106,000
Washington, Illinois 6 $ 980,000 $ 163,333 $ 114,000
Blackford, Indiana 6 $ 450,000 $ 75,000 $ 53,000
Randolph, Indiana 6 $ 480,000 $ 80,000 $ 54,000
Calhoun, Iowa 6 $ 800,000 $ 133,333 $ 86,000
Buffalo, Wisconsin 6 $ 910,000 $ 151,666 $ 98,000
Fond du Lac, Wisconsin 6 $ 760,000 $ 126,666 $ 60,000
Green Lake, Wisconsin 6 $ 1,030,000 $ 171,666 $ 87,000
Jefferson, Wisconsin 6 $ 1,440,000 $ 240,000 $ 106,000
Juneau, Wisconsin 6 $ 840,000 $ 140,000 $ 58,000
Waupaca, Wisconsin 6 $ 840,000 $ 140,000 $ 89,000
Wood, Wisconsin 6 $ 920,000 $ 153,333 $ 68,000
Marion, Illinois 5 $ 365,000 $ 73,000 $ 66,000
Crawford, Iowa 5 $ 505,000 $ 101,000 $ 63,000
Polk, Iowa 5 $ 1,045,000 $ 209,000 $ 210,000
Manitowoc, Wisconsin 5 $ 495,000 $ 99,000 $ 88,000
Ozaukee, Wisconsin 5 $ 1,305,000 $ 261,000 $ 117,000
Sauk, Wisconsin 5 $ 895,000 $ 179,000 $ 101,000
McLean, Illinois 4 $ 400,000 $ 100,000 $ 65,000
Delaware, Indiana 4 $ 330,000 $ 82,500 $ 81,000
Hendricks, Indiana 4 $ 560,000 $ 140,000 $ 97,000
Porter, Indiana 4 $ 1,160,000 $ 290,000 $ 81,000
Pulaski, Indiana 4 $ 700,000 $ 175,000 $ 96,000
Putnam, Indiana 4 $ 550,000 $ 137,500 $ 60,000
Delaware, Iowa 4 $ 690,000 $ 172,500 $ 109,000
Palo Alto, Iowa 4 $ 770,000 $ 192,500 $ 139,000
Sac, Iowa 4 $ 570,000 $ 142,500 $ 73,000
Shelby, Iowa 4 $ 800,000 $ 200,000 $ 103,000
Story, Iowa 4 $ 650,000 $ 162,500 $ 52,000
Winnebago, Iowa 4 $ 560,000 $ 140,000 $ 64,000
Ontonagon, Michigan 4 $ 160,000 $ 40,000 $ 55,000
Hennepin, Minnesota 4 $ 1,340,000 $ 335,000 $ 246,000
Washington, Minnesota 4 $ 1,680,000 $ 420,000 $ 139,000
Clark, Wisconsin 4 $ 590,000 $ 147,500 $ 81,000
Polk, Wisconsin 4 $ 880,000 $ 220,000 $ 87,000
St. Croix, Wisconsin 4 $ 1,140,000 $ 285,000 $ 144,000
Vernon, Wisconsin 4 $ 570,000 $ 142,500 $ 145,000
Christian, Illinois 3 $ 255,000 $ 85,000 $ 54,000
Kankakee, Illinois 3 $ 465,000 $ 155,000 $ 74,000
Winnebago, Illinois 3 $ 405,000 $ 135,000 $ 81,000
Marion, Indiana 3 $ 555,000 $ 185,000 $ 105,000
Marshall, Indiana 3 $ 395,000 $ 131,666 $ 55,000
White, Indiana 3 $ 655,000 $ 218,333 $ 72,000
Buena Vista, Iowa 3 $ 335,000 $ 111,666 $ 50,000
Cedar, Iowa 3 $ 505,000 $ 168,333 $ 67,000
Fayette, Iowa 3 $ 405,000 $ 135,000 $ 126,000
Floyd, Iowa 3 $ 415,000 $ 138,333 $ 71,000
Fremont, Iowa 3 $ 275,000 $ 91,666 $ 79,000
Guthrie, Iowa 3 $ 505,000 $ 168,333 $ 83,000
Ida, Iowa 3 $ 255,000 $ 85,000 $ 82,000
Mitchell, Iowa 3 $ 345,000 $ 115,000 $ 82,000
Monona, Iowa 3 $ 445,000 $ 148,333 $ 116,000
Scott, Minnesota 3 $ 665,000 $ 221,666 $ 59,000
Douglas, Nebraska 3 $ 525,000 $ 175,000 $ 118,000
Dane, Wisconsin 3 $ 455,000 $ 151,666 $ 147,000
Douglas, Wisconsin 3 $ 615,000 $ 205,000 $ 156,000
Green, Wisconsin 3 $ 465,000 $ 155,000 $ 61,000
Monroe, Wisconsin 3 $ 465,000 $ 155,000 $ 83,000
Rusk, Wisconsin 3 $ 345,000 $ 115,000 $ 85,000
Jo Daviess, Illinois 2 $ 220,000 $ 110,000 $ 63,000
LaSalle, Illinois 2 $ 180,000 $ 90,000 $ 67,000
Ogle, Illinois 2 $ 230,000 $ 115,000 $ 68,000
Allen, Indiana 2 $ 370,000 $ 185,000 $ 108,000
Brown, Indiana 2 $ 370,000 $ 185,000 $ 313,000
Fulton, Indiana 2 $ 460,000 $ 230,000 $ 96,000
Hancock, Indiana 2 $ 270,000 $ 135,000 $ 64,000
Jay, Indiana 2 $ 160,000 $ 80,000 $ 41,000
Starke, Indiana 2 $ 430,000 $ 215,000 $ 138,000
Wayne, Indiana 2 $ 200,000 $ 100,000 $ 54,000
Adair, Iowa 2 $ 360,000 $ 180,000 $ 68,000
Chickasaw, Iowa 2 $ 440,000 $ 220,000 $ 104,000
Clayton, Iowa 2 $ 240,000 $ 120,000 $ 75,000
Hancock, Iowa 2 $ 220,000 $ 110,000 $ 44,000
Henry, Iowa 2 $ 400,000 $ 200,000 $ 161,000
Marshall, Iowa 2 $ 420,000 $ 210,000 $ 85,000
Warren, Iowa 2 $ 600,000 $ 300,000 $ 115,000
Houghton, Michigan 2 $ 140,000 $ 70,000 $ 74,000
Ramsey, Minnesota 2 $ 320,000 $ 160,000 $ 81,000
Wabasha, Minnesota 2 $ 390,000 $ 195,000 $ 89,000
Crawford, Wisconsin 2 $ 630,000 $ 315,000 $ 105,000
Jackson, Wisconsin 2 $ 260,000 $ 130,000 $ 68,000
Langlade, Wisconsin 2 $ 180,000 $ 90,000 $ 58,000
Milwaukee, Wisconsin 2 $ 140,000 $ 70,000 $ 85,000
Oconto, Wisconsin 2 $ 130,000 $ 65,000 $ 66,000
Outagamie, Wisconsin 2 $ 190,000 $ 95,000 $ 60,000
Vilas, Wisconsin 2 $ 380,000 $ 190,000 $ 82,000
Waushara, Wisconsin 2 $ 160,000 $ 80,000 $ 41,000
Bureau, Illinois 1 $ 85,000 $ 85,000 $ 45,000
Fulton, Illinois 1 $ 55,000 $ 55,000 $ 40,000
Henderson, Illinois 1 $ 95,000 $ 95,000 $ 41,000
Jefferson, Illinois 1 $ 265,000 $ 265,000 $ 89,000
Lake, Illinois 1 $ 245,000 $ 245,000 $ 311,000
Livingston, Illinois 1 $ 155,000 $ 155,000 $ 61,000
Monroe, Illinois 1 $ 265,000 $ 265,000 $ 141,000
Schuyler, Illinois 1 $ 165,000 $ 165,000 $ 46,000
Tazewell, Illinois 1 $ 105,000 $ 105,000 $ 44,000
Vermilion, Illinois 1 $ 115,000 $ 115,000 $ 60,000
White, Illinois 1 $ 65,000 $ 65,000 $ 36,000
Adams, Indiana 1 $ 215,000 $ 215,000 $ 51,000
Boone, Indiana 1 $ 85,000 $ 85,000 $ 76,000
Carroll, Indiana 1 $ 65,000 $ 65,000 $ 9,000
Dubois, Indiana 1 $ 225,000 $ 225,000 $ 68,000
Montgomery, Indiana 1 $ 45,000 $ 45,000 $ 27,000
Morgan, Indiana 1 $ 85,000 $ 85,000 $ 42,000
Steuben, Indiana 1 $ 435,000 $ 435,000 $ 181,000
Tipton, Indiana 1 $ 155,000 $ 155,000 $ 192,000
Audubon, Iowa 1 $ 125,000 $ 125,000 $ 41,000
Black Hawk, Iowa 1 $ 195,000 $ 195,000 $ 101,000
Cherokee, Iowa 1 $ 165,000 $ 165,000 $ 141,000
Franklin, Iowa 1 $ 85,000 $ 85,000 $ 62,000
Grundy, Iowa 1 $ 115,000 $ 115,000 $ 45,000
Hamilton, Iowa 1 $ 425,000 $ 425,000 $ 156,000
Hardin, Iowa 1 $ 25,000 $ 25,000 $ 44,000
Johnson, Iowa 1 $ 175,000 $ 175,000 $ 45,000
Linn, Iowa 1 $ 175,000 $ 175,000 $ 59,000
Osceola, Iowa 1 $ 45,000 $ 45,000 $ 44,000
Plymouth, Iowa 1 $ 105,000 $ 105,000 $ 82,000
Pocahontas, Iowa 1 $ 355,000 $ 355,000 $ 67,000
Taylor, Iowa 1 $ 115,000 $ 115,000 $ 81,000
Winneshiek, Iowa 1 $ 135,000 $ 135,000 $ 23,000
Iron, Michigan 1 $ 145,000 $ 145,000 $ 128,000
Blue Earth, Minnesota 1 $ 95,000 $ 95,000 $ 62,000
Goodhue, Minnesota 1 $ 285,000 $ 285,000 $ 157,000
Jackson, Minnesota 1 $ 125,000 $ 125,000 $ 55,000
Pine, Minnesota 1 $ 315,000 $ 315,000 $ 135,000
Camden, Missouri 1 $ 485,000 $ 485,000 $ 365,000
Lancaster, Nebraska 1 $ 185,000 $ 185,000 $ 55,000
Sarpy, Nebraska 1 $ 135,000 $ 135,000 $ 32,000
Yankton, South Dakota 1 $ 145,000 $ 145,000 $ 56,000
Iowa, Wisconsin 1 $ 205,000 $ 205,000 $ 98,000
Kenosha, Wisconsin 1 $ 155,000 $ 155,000 $ 170,000
Lafayette, Wisconsin 1 $ 155,000 $ 155,000 $ 42,000
Marinette, Wisconsin 1 $ 185,000 $ 185,000 $ 169,000
Oneida, Wisconsin 1 $ 345,000 $ 345,000 $ 211,000
Pierce, Wisconsin 1 $ 225,000 $ 225,000 $ 143,000
Price, Wisconsin 1 $ 225,000 $ 225,000 $ 92,000

Mortgage Loan Application Detail Totals for Bankers' Bank in 2019

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 624 $98,560,000 $157,000 $485,000 $85,000 $960,000
Refinancing 312 $60,510,000 $193,000 $485,000 $107,000 $893,000
Cash-out Refinancing 188 $28,680,000 $152,000 $485,000 $95,000 $661,000
Home Improvement 6 $1,080,000 $180,000 $335,000 $102,000 $211,000
Other Purpose 6 $1,090,000 $181,000 $465,000 $103,000 $199,000
Not Applicable 0 $0 $0 $0 $0 $0

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 1,068 $177,020,000 $165,000 $485,000 $92,000 $960,000
Not Provided 45 $8,715,000 $193,000 $425,000 $114,000 $346,000
Hispanic 11 $2,165,000 $196,000 $425,000 $96,000 $202,000
Asian 5 $995,000 $199,000 $485,000 $94,000 $121,000
American Indian or Alaskan Native 3 $245,000 $81,000 $115,000 $27,000 $36,000
Black or African American 1 $105,000 $105,000 $105,000 $94,000 $94,000
Native Hawaiian or Other Pacific Islander 1 $235,000 $235,000 $235,000 $160,000 $160,000
Not applicable 0 $0 $0 $0 $0 $0

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) 1,067 $182,165,000 $170,000 $485,000 $96,000 $960,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 63 $6,765,000 $107,000 $265,000 $48,000 $105,000
VA-guaranteed (Veterans Administration) 6 $990,000 $165,000 $245,000 $99,000 $192,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0

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 857 $148,325,000 $173,000 $485,000 $96,000 $893,000
Application Withdrawn By Applicant 118 $18,150,000 $153,000 $485,000 $91,000 $960,000
Application Denied By Financial Institution 88 $11,780,000 $133,000 $485,000 $58,000 $215,000
File Closed For Incompleteness 54 $8,580,000 $158,000 $485,000 $102,000 $330,000
Application Approved But Not Accepted 19 $3,085,000 $162,000 $325,000 $99,000 $236,000
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

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 1,048 $178,140,000 $169,000 $485,000 $96,000 $960,000
Debt-To-Income Ratio 32 $5,200,000 $162,000 $485,000 $47,000 $141,000
Collateral 22 $3,110,000 $141,000 $485,000 $80,000 $215,000
Credit History 20 $2,010,000 $100,000 $185,000 $52,000 $94,000
Other 11 $1,175,000 $106,000 $225,000 $60,000 $192,000
Insufficient Cash (Downpayment, Closing Cost) 2 $210,000 $105,000 $135,000 $37,000 $39,000
Employment History 1 $75,000 $75,000 $75,000 $28,000 $28,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankers' Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Bankers' Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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