Bankers' Bank Mortgage Lending & HMDA Data, 2011

In 2011, Bankers' Bank of Madison, WI reported 2,093 mortgage applications totaling $275.6 million, down 20% from 2010. The average application was for $131,666, and applicants reported an average income of $81,015. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Des Moines-West Des Moines, IA (44), Madison, WI (33) and Waterloo-Cedar Falls, IA (21) (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 2,093
Total Mortgage Loan Application Amount $275,578,000
Average Mortgage Loan Application Amount $131,666
Highest Mortgage Loan Application Amount $700,000
Average Applicant Income $81,015
Highest Applicant Income $1,740,000

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Act (HMDA) records Bankers' Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Chippewa, Wisconsin 128 $ 16,320,000 $ 127,500 $ 66,000
Eau Claire, Wisconsin 120 $ 19,504,000 $ 162,533 $ 105,000
La Crosse, Wisconsin 91 $ 13,404,000 $ 147,296 $ 84,000
Carroll, Iowa 73 $ 9,679,000 $ 132,589 $ 76,000
Gogebic, Michigan 56 $ 3,853,000 $ 68,803 $ 68,000
Barron, Wisconsin 51 $ 6,536,000 $ 128,156 $ 63,000
Cerro Gordo, Iowa 50 $ 6,964,000 $ 139,280 $ 84,000
Dodge, Wisconsin 48 $ 6,399,000 $ 133,312 $ 68,000
Portage, Wisconsin 46 $ 5,134,000 $ 111,608 $ 63,000
Jasper, Iowa 44 $ 4,906,000 $ 111,500 $ 71,000
Lafayette, Wisconsin 43 $ 4,024,000 $ 93,581 $ 60,000
Bayfield, Wisconsin 33 $ 4,331,000 $ 131,242 $ 78,000
Pottawattamie, Iowa 31 $ 4,555,000 $ 146,935 $ 78,000
Clay, Iowa 30 $ 3,994,000 $ 133,133 $ 158,000
Iowa, Iowa 29 $ 5,273,000 $ 181,827 $ 96,000
Monroe, Wisconsin 28 $ 3,795,000 $ 135,535 $ 74,000
Ashland, Wisconsin 27 $ 3,180,000 $ 117,777 $ 66,000
Guthrie, Iowa 26 $ 3,684,000 $ 141,692 $ 96,000
Polk, Iowa 25 $ 4,569,000 $ 182,760 $ 138,000
Adams, Wisconsin 25 $ 2,687,000 $ 107,480 $ 72,000
Columbia, Wisconsin 25 $ 3,991,000 $ 159,640 $ 109,000
Rock, Wisconsin 24 $ 2,873,000 $ 119,708 $ 68,000
Worth, Iowa 23 $ 2,787,000 $ 121,173 $ 83,000
Forest, Wisconsin 23 $ 3,224,000 $ 140,173 $ 93,000
Stephenson, Illinois 22 $ 2,268,000 $ 103,090 $ 60,000
Henry, Indiana 21 $ 2,148,000 $ 102,285 $ 74,000
Chickasaw, Iowa 21 $ 1,980,000 $ 94,285 $ 58,000
Fond du Lac, Wisconsin 21 $ 2,636,000 $ 125,523 $ 55,000
Trempealeau, Wisconsin 21 $ 2,875,000 $ 136,904 $ 81,000
Fayette, Iowa 19 $ 1,460,000 $ 76,842 $ 47,000
Buffalo, Wisconsin 19 $ 1,947,000 $ 102,473 $ 57,000
Lincoln, Wisconsin 19 $ 2,680,000 $ 141,052 $ 76,000
Marathon, Wisconsin 19 $ 2,625,000 $ 138,157 $ 70,000
Pepin, Wisconsin 19 $ 1,784,000 $ 93,894 $ 74,000
Bremer, Iowa 18 $ 2,351,000 $ 130,611 $ 72,000
Cedar, Iowa 18 $ 2,650,000 $ 147,222 $ 76,000
Dickinson, Iowa 18 $ 3,091,000 $ 171,722 $ 129,000
Madison, Iowa 18 $ 2,836,000 $ 157,555 $ 97,000
Iron, Wisconsin 18 $ 1,749,000 $ 97,166 $ 113,000
Dunn, Wisconsin 17 $ 2,275,000 $ 133,823 $ 91,000
Green Lake, Wisconsin 17 $ 1,878,000 $ 110,470 $ 62,000
Washington, Wisconsin 17 $ 2,671,000 $ 157,117 $ 90,000
Houghton, Michigan 15 $ 1,216,000 $ 81,066 $ 86,000
Dane, Wisconsin 15 $ 3,168,000 $ 211,200 $ 96,000
Rusk, Wisconsin 15 $ 1,325,000 $ 88,333 $ 67,000
Shawano, Wisconsin 15 $ 2,156,000 $ 143,733 $ 74,000
Washburn, Wisconsin 15 $ 2,596,000 $ 173,066 $ 87,000
Sauk, Wisconsin 13 $ 2,507,000 $ 192,846 $ 89,000
Marshall, Iowa 12 $ 2,139,000 $ 178,250 $ 82,000
Mitchell, Iowa 12 $ 1,066,000 $ 88,833 $ 54,000
Marquette, Michigan 12 $ 1,952,000 $ 162,666 $ 92,000
Oneida, Wisconsin 12 $ 2,361,000 $ 196,750 $ 88,000
Vernon, Wisconsin 12 $ 1,572,000 $ 131,000 $ 78,000
Vilas, Wisconsin 12 $ 1,739,000 $ 144,916 $ 130,000
Floyd, Iowa 11 $ 1,091,000 $ 99,181 $ 72,000
Grant, Wisconsin 11 $ 977,000 $ 88,818 $ 64,000
Sheboygan, Wisconsin 11 $ 1,544,000 $ 140,363 $ 63,000
Waupaca, Wisconsin 11 $ 1,052,000 $ 95,636 $ 52,000
Benton, Iowa 10 $ 1,101,000 $ 110,100 $ 63,000
Dallas, Iowa 10 $ 1,972,000 $ 197,200 $ 118,000
Harrison, Iowa 10 $ 1,375,000 $ 137,500 $ 97,000
Ida, Iowa 10 $ 1,243,000 $ 124,300 $ 85,000
Shelby, Iowa 10 $ 1,503,000 $ 150,300 $ 120,000
Winnebago, Iowa 10 $ 1,386,000 $ 138,600 $ 79,000
Macoupin, Illinois 9 $ 745,000 $ 82,777 $ 67,000
McHenry, Illinois 9 $ 1,085,000 $ 120,555 $ 55,000
Clayton, Iowa 9 $ 1,200,000 $ 133,333 $ 73,000
Green, Wisconsin 9 $ 988,000 $ 109,777 $ 39,000
Carroll, Illinois 8 $ 1,005,000 $ 125,625 $ 70,000
Ogle, Illinois 8 $ 977,000 $ 122,125 $ 97,000
Henry, Iowa 8 $ 1,086,000 $ 135,750 $ 158,000
O'Brien, Iowa 8 $ 1,106,000 $ 138,250 $ 83,000
Story, Iowa 8 $ 1,079,000 $ 134,875 $ 90,000
Jefferson, Wisconsin 8 $ 1,242,000 $ 155,250 $ 75,000
Juneau, Wisconsin 8 $ 1,304,000 $ 163,000 $ 102,000
Dubuque, Iowa 7 $ 882,000 $ 126,000 $ 50,000
Johnson, Iowa 7 $ 1,044,000 $ 149,142 $ 105,000
Jackson, Wisconsin 7 $ 901,000 $ 128,714 $ 43,000
Oconto, Wisconsin 7 $ 811,000 $ 115,857 $ 59,000
Calhoun, Iowa 6 $ 539,000 $ 89,833 $ 46,000
Emmet, Iowa 6 $ 1,310,000 $ 218,333 $ 114,000
Linn, Iowa 6 $ 909,000 $ 151,500 $ 71,000
Dickinson, Michigan 6 $ 608,000 $ 101,333 $ 71,000
Wabasha, Minnesota 6 $ 671,000 $ 111,833 $ 147,000
Burnett, Wisconsin 6 $ 867,000 $ 144,500 $ 92,000
Christian, Illinois 5 $ 337,000 $ 67,400 $ 47,000
Williamson, Illinois 5 $ 548,000 $ 109,600 $ 65,000
Buchanan, Iowa 5 $ 543,000 $ 108,600 $ 49,000
Hancock, Iowa 5 $ 325,000 $ 65,000 $ 41,000
Monona, Iowa 5 $ 871,000 $ 174,200 $ 89,000
Houston, Minnesota 5 $ 751,000 $ 150,200 $ 69,000
Sawyer, Wisconsin 5 $ 889,000 $ 177,800 $ 76,000
Bureau, Illinois 4 $ 278,000 $ 69,500 $ 32,000
LaSalle, Illinois 4 $ 312,000 $ 78,000 $ 38,000
Audubon, Iowa 4 $ 329,000 $ 82,250 $ 62,000
Buena Vista, Iowa 4 $ 463,000 $ 115,750 $ 78,000
Crawford, Iowa 4 $ 490,000 $ 122,500 $ 82,000
Sac, Iowa 4 $ 472,000 $ 118,000 $ 53,000
Ontonagon, Michigan 4 $ 296,000 $ 74,000 $ 74,000
St. Louis, Minnesota 4 $ 640,000 $ 160,000 $ 106,000
Douglas, Nebraska 4 $ 515,000 $ 128,750 $ 70,000
Clark, Wisconsin 4 $ 692,000 $ 173,000 $ 187,000
Ozaukee, Wisconsin 4 $ 549,000 $ 137,250 $ 62,000
Wood, Wisconsin 4 $ 482,000 $ 120,500 $ 95,000
Jo Daviess, Illinois 3 $ 446,000 $ 148,666 $ 142,000
Lake, Illinois 3 $ 254,000 $ 84,666 $ 44,000
Madison, Indiana 3 $ 349,000 $ 116,333 $ 39,000
Adair, Iowa 3 $ 382,000 $ 127,333 $ 94,000
Boone, Iowa 3 $ 538,000 $ 179,333 $ 88,000
Cherokee, Iowa 3 $ 235,000 $ 78,333 $ 41,000
Grundy, Iowa 3 $ 415,000 $ 138,333 $ 94,000
Kossuth, Iowa 3 $ 320,000 $ 106,666 $ 77,000
Iron, Michigan 3 $ 336,000 $ 112,000 $ 32,000
Menominee, Michigan 3 $ 466,000 $ 155,333 $ 219,000
Washington, Minnesota 3 $ 518,000 $ 172,666 $ 166,000
Douglas, Wisconsin 3 $ 200,000 $ 66,666 $ 27,000
Price, Wisconsin 3 $ 625,000 $ 208,333 $ 101,000
Waushara, Wisconsin 3 $ 287,000 $ 95,666 $ 47,000
Routt, Colorado 2 $ 700,000 $ 350,000 $ 132,000
DuPage, Illinois 2 $ 620,000 $ 310,000 $ 72,000
Fayette, Illinois 2 $ 206,000 $ 103,000 $ 39,000
Franklin, Illinois 2 $ 88,000 $ 44,000 $ 52,000
Kane, Illinois 2 $ 183,000 $ 91,500 $ 57,000
Shelby, Illinois 2 $ 442,000 $ 221,000 $ 64,000
Blackford, Indiana 2 $ 149,000 $ 74,500 $ 52,000
Delaware, Indiana 2 $ 561,000 $ 280,500 $ 231,000
Jay, Indiana 2 $ 176,000 $ 88,000 $ 30,000
Pulaski, Indiana 2 $ 96,000 $ 48,000 $ 48,000
Rush, Indiana 2 $ 165,000 $ 82,500 $ 94,000
Clarke, Iowa 2 $ 353,000 $ 176,500 $ 70,000
Delaware, Iowa 2 $ 261,000 $ 130,500 $ 65,000
Jefferson, Iowa 2 $ 281,000 $ 140,500 $ 66,000
Pocahontas, Iowa 2 $ 162,000 $ 81,000 $ 65,000
Poweshiek, Iowa 2 $ 179,000 $ 89,500 $ 151,000
Sioux, Iowa 2 $ 309,000 $ 154,500 $ 92,000
Warren, Iowa 2 $ 276,000 $ 138,000 $ 63,000
Woodbury, Iowa 2 $ 233,000 $ 116,500 $ 65,000
Baraga, Michigan 2 $ 189,000 $ 94,500 $ 95,000
Iosco, Michigan 2 $ 336,000 $ 168,000 $ 180,000
Dakota, Minnesota 2 $ 477,000 $ 238,500 $ 139,000
Hennepin, Minnesota 2 $ 475,000 $ 237,500 $ 72,000
Sarpy, Nebraska 2 $ 239,000 $ 119,500 $ 165,000
Washington, Nebraska 2 $ 348,000 $ 174,000 $ 91,000
Brown, Wisconsin 2 $ 347,000 $ 173,500 $ 49,000
Calumet, Wisconsin 2 $ 242,000 $ 121,000 $ 54,000
Manitowoc, Wisconsin 2 $ 353,000 $ 176,500 $ 85,000
Marinette, Wisconsin 2 $ 200,000 $ 100,000 $ 99,000
Marquette, Wisconsin 2 $ 590,000 $ 295,000 $ 322,000
Milwaukee, Wisconsin 2 $ 176,000 $ 88,000 $ 51,000
Outagamie, Wisconsin 2 $ 186,000 $ 93,000 $ 41,000
Pierce, Wisconsin 2 $ 355,000 $ 177,500 $ 93,000
Richland, Wisconsin 2 $ 89,000 $ 44,500 $ 30,000
St. Croix, Wisconsin 2 $ 341,000 $ 170,500 $ 136,000
Taylor, Wisconsin 2 $ 175,000 $ 87,500 $ 30,000
Douglas, Colorado 1 $ 90,000 $ 90,000 $ 98,000
Larimer, Colorado 1 $ 100,000 $ 100,000 $ 177,000
DeKalb, Illinois 1 $ 104,000 $ 104,000 $ 21,000
Henry, Illinois 1 $ 72,000 $ 72,000 $ 38,000
Kankakee, Illinois 1 $ 336,000 $ 336,000 $ 127,000
Marshall, Illinois 1 $ 103,000 $ 103,000 $ 199,000
Elkhart, Indiana 1 $ 156,000 $ 156,000 $ 106,000
Fulton, Indiana 1 $ 221,000 $ 221,000 $ 63,000
Jackson, Indiana 1 $ 120,000 $ 120,000 $ 140,000
Allamakee, Iowa 1 $ 165,000 $ 165,000 $ 99,000
Cass, Iowa 1 $ 190,000 $ 190,000 $ 52,000
Clinton, Iowa 1 $ 364,000 $ 364,000 $ 217,000
Howard, Iowa 1 $ 50,000 $ 50,000 $ 37,000
Palo Alto, Iowa 1 $ 92,000 $ 92,000 $ 72,000
Union, Iowa 1 $ 117,000 $ 117,000 $ 87,000
Webster, Iowa 1 $ 88,000 $ 88,000 $ 60,000
Delta, Michigan 1 $ 192,000 $ 192,000 $ 147,000
Keweenaw, Michigan 1 $ 75,000 $ 75,000 $ 58,000
St. Clair, Michigan 1 $ 122,000 $ 122,000 $ 183,000
Wayne, Michigan 1 $ 59,000 $ 59,000 $ 43,000
Anoka, Minnesota 1 $ 134,000 $ 134,000 $ 50,000
Blue Earth, Minnesota 1 $ 118,000 $ 118,000 $ 50,000
Cass, Minnesota 1 $ 176,000 $ 176,000 $ 41,000
Otter Tail, Minnesota 1 $ 140,000 $ 140,000 $ 135,000
Winona, Minnesota 1 $ 47,000 $ 47,000 $ 80,000
Adair, Missouri 1 $ 74,000 $ 74,000 $ 22,000
Madison, Nebraska 1 $ 172,000 $ 172,000 $ 113,000
Florence, Wisconsin 1 $ 104,000 $ 104,000 $ 34,000
Kewaunee, Wisconsin 1 $ 126,000 $ 126,000 $ 130,000
Langlade, Wisconsin 1 $ 122,000 $ 122,000 $ 160,000
Menominee, Wisconsin 1 $ 60,000 $ 60,000 $ 23,000
Polk, Wisconsin 1 $ 58,000 $ 58,000 $ 59,000
Walworth, Wisconsin 1 $ 112,000 $ 112,000 $ 524,000
Waukesha, Wisconsin 1 $ 228,000 $ 228,000 $ 73,000
Winnebago, Wisconsin 1 $ 410,000 $ 410,000 $ 160,000

Mortgage Loan Application Detail Totals for Bankers' Bank in 2011

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
Refinancing 1,266 $180,863,000 $142,000 $700,000 $89,000 $1,740,000
Home Purchase 663 $76,649,000 $115,000 $632,000 $68,000 $1,082,000
Home Improvement 164 $18,066,000 $110,000 $417,000 $72,000 $316,000

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 1,937 $251,573,000 $129,000 $632,000 $81,000 $1,740,000
Not Provided 131 $20,489,000 $156,000 $700,000 $90,000 $543,000
American Indian or Alaskan Native 8 $1,559,000 $194,000 $404,000 $95,000 $240,000
Asian 8 $1,162,000 $145,000 $400,000 $99,000 $243,000
Black or African American 4 $403,000 $100,000 $156,000 $43,000 $57,000
Hispanic 4 $266,000 $66,000 $95,000 $39,000 $59,000
Native Hawaiian or Other Pacific Islander 1 $126,000 $126,000 $126,000 $66,000 $66,000
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) 1,905 $257,755,000 $135,000 $700,000 $85,000 $1,740,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 188 $17,823,000 $94,000 $335,000 $41,000 $97,000
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0
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 1,575 $208,001,000 $132,000 $417,000 $84,000 $1,113,000
Application Denied By Financial Institution 263 $33,965,000 $129,000 $700,000 $61,000 $543,000
Application Withdrawn By Applicant 173 $21,220,000 $122,000 $632,000 $82,000 $1,740,000
Application Approved But Not Accepted 53 $8,235,000 $155,000 $372,000 $90,000 $296,000
File Closed For Incompleteness 29 $4,157,000 $143,000 $308,000 $83,000 $371,000
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
Debt-To-Income Ratio 99 $13,487,000 $136,000 $406,000 $47,000 $197,000
Collateral 80 $11,380,000 $142,000 $700,000 $80,000 $543,000
Credit History 54 $6,269,000 $116,000 $417,000 $60,000 $156,000
Other 16 $1,489,000 $93,000 $350,000 $57,000 $132,000
Employment History 7 $703,000 $100,000 $248,000 $40,000 $67,000
Mortgage Insurance Denied 2 $179,000 $89,000 $105,000 $46,000 $52,000
Unverifiable Information 1 $74,000 $74,000 $74,000 $29,000 $29,000
Credit Application Incomplete 1 $60,000 $60,000 $60,000 $47,000 $47,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankers' Bank's 2011 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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