Bankers' Bank Mortgage Lending & HMDA Data, 2018

In 2018, Bankers' Bank of Madison, WI reported 1,080 mortgage applications totaling $167.8 million, down 2% from 2017. The average application was for $155,370, and applicants reported an average income of $85,055. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Eau Claire, WI (73), Indianapolis-Carmel-Anderson, IN (67) and Omaha-Council Bluffs, NE-IA (62) (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 1,080
Total Mortgage Loan Application Amount $167,800,000
Average Mortgage Loan Application Amount $155,370
Highest Mortgage Loan Application Amount $1,085,000
Average Applicant Income $85,055
Highest Applicant Income $1,403,000

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Act (HMDA) records Bankers' Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

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 57 $ 10,395,000 $ 182,368 $ 96,000
Henry, Indiana 40 $ 3,390,000 $ 84,750 $ 59,000
Carroll, Iowa 35 $ 5,815,000 $ 166,142 $ 79,000
Putnam, Indiana 32 $ 3,530,000 $ 110,312 $ 67,000
Burnett, Wisconsin 32 $ 5,640,000 $ 176,250 $ 82,000
Bayfield, Wisconsin 25 $ 3,535,000 $ 141,400 $ 68,000
Ashland, Wisconsin 22 $ 3,140,000 $ 142,727 $ 81,000
Dodge, Wisconsin 22 $ 3,990,000 $ 181,363 $ 92,000
Stephenson, Illinois 21 $ 1,845,000 $ 87,857 $ 59,000
Cerro Gordo, Iowa 21 $ 3,785,000 $ 180,238 $ 84,000
Harrison, Iowa 21 $ 3,515,000 $ 167,380 $ 87,000
Madison, Iowa 20 $ 3,960,000 $ 198,000 $ 80,000
Mills, Iowa 19 $ 3,585,000 $ 188,684 $ 110,000
Clay, Iowa 17 $ 1,665,000 $ 97,941 $ 49,000
Pottawattamie, Iowa 17 $ 3,265,000 $ 192,058 $ 88,000
Shawano, Wisconsin 17 $ 2,275,000 $ 133,823 $ 61,000
Chippewa, Wisconsin 16 $ 3,940,000 $ 246,250 $ 160,000
Gogebic, Michigan 15 $ 1,025,000 $ 68,333 $ 58,000
La Crosse, Wisconsin 15 $ 2,905,000 $ 193,666 $ 75,000
Washington, Wisconsin 15 $ 2,975,000 $ 198,333 $ 85,000
Guthrie, Iowa 13 $ 2,965,000 $ 228,076 $ 120,000
Green Lake, Wisconsin 13 $ 1,715,000 $ 131,923 $ 65,000
Iron, Wisconsin 13 $ 1,315,000 $ 101,153 $ 63,000
Portage, Wisconsin 13 $ 2,195,000 $ 168,846 $ 87,000
Washington, Illinois 12 $ 1,660,000 $ 138,333 $ 89,000
Dickinson, Iowa 12 $ 2,400,000 $ 200,000 $ 114,000
Jasper, Iowa 12 $ 1,140,000 $ 95,000 $ 47,000
Sawyer, Wisconsin 12 $ 2,540,000 $ 211,666 $ 145,000
McLean, Illinois 10 $ 1,090,000 $ 109,000 $ 79,000
Rush, Indiana 10 $ 1,180,000 $ 118,000 $ 64,000
Barron, Wisconsin 10 $ 1,990,000 $ 199,000 $ 115,000
Fond du Lac, Wisconsin 10 $ 1,210,000 $ 121,000 $ 53,000
Jefferson, Wisconsin 10 $ 1,780,000 $ 178,000 $ 144,000
Blackford, Indiana 9 $ 705,000 $ 78,333 $ 46,000
Rock, Wisconsin 9 $ 1,465,000 $ 162,777 $ 69,000
Trempealeau, Wisconsin 9 $ 2,095,000 $ 232,777 $ 87,000
Morgan, Indiana 8 $ 1,480,000 $ 185,000 $ 104,000
Randolph, Indiana 8 $ 490,000 $ 61,250 $ 54,000
Worth, Iowa 8 $ 1,260,000 $ 157,500 $ 80,000
Ontonagon, Michigan 8 $ 840,000 $ 105,000 $ 108,000
Buffalo, Wisconsin 8 $ 1,290,000 $ 161,250 $ 99,000
Dane, Wisconsin 8 $ 1,550,000 $ 193,750 $ 146,000
Grant, Wisconsin 8 $ 1,020,000 $ 127,500 $ 65,000
Washburn, Wisconsin 8 $ 1,170,000 $ 146,250 $ 86,000
Calhoun, Iowa 7 $ 505,000 $ 72,142 $ 49,000
O'Brien, Iowa 7 $ 825,000 $ 117,857 $ 74,000
Forest, Wisconsin 7 $ 1,065,000 $ 152,142 $ 101,000
Johnson, Indiana 6 $ 920,000 $ 153,333 $ 83,000
Buena Vista, Iowa 6 $ 570,000 $ 95,000 $ 63,000
Cedar, Iowa 6 $ 720,000 $ 120,000 $ 70,000
Polk, Iowa 6 $ 1,110,000 $ 185,000 $ 61,000
St. Louis, Minnesota 6 $ 1,060,000 $ 176,666 $ 71,000
Columbia, Wisconsin 6 $ 1,010,000 $ 168,333 $ 71,000
Dunn, Wisconsin 6 $ 1,160,000 $ 193,333 $ 111,000
Lincoln, Wisconsin 6 $ 420,000 $ 70,000 $ 40,000
Marathon, Wisconsin 6 $ 900,000 $ 150,000 $ 56,000
Sheboygan, Wisconsin 6 $ 1,170,000 $ 195,000 $ 90,000
Waupaca, Wisconsin 6 $ 840,000 $ 140,000 $ 75,000
Marion, Illinois 5 $ 875,000 $ 175,000 $ 73,000
Ogle, Illinois 5 $ 475,000 $ 95,000 $ 48,000
Hamilton, Indiana 5 $ 945,000 $ 189,000 $ 135,000
Hendricks, Indiana 5 $ 865,000 $ 173,000 $ 86,000
Madison, Indiana 5 $ 1,045,000 $ 209,000 $ 135,000
Pulaski, Indiana 5 $ 425,000 $ 85,000 $ 46,000
Juneau, Wisconsin 5 $ 565,000 $ 113,000 $ 51,000
Pierce, Wisconsin 5 $ 775,000 $ 155,000 $ 96,000
Price, Wisconsin 5 $ 435,000 $ 87,000 $ 52,000
Rusk, Wisconsin 5 $ 575,000 $ 115,000 $ 60,000
Sauk, Wisconsin 5 $ 1,045,000 $ 209,000 $ 76,000
St. Croix, Wisconsin 5 $ 1,285,000 $ 257,000 $ 118,000
Clinton, Illinois 4 $ 430,000 $ 107,500 $ 79,000
Jo Daviess, Illinois 4 $ 440,000 $ 110,000 $ 42,000
Wabash, Illinois 4 $ 360,000 $ 90,000 $ 50,000
Delaware, Indiana 4 $ 380,000 $ 95,000 $ 45,000
Palo Alto, Iowa 4 $ 700,000 $ 175,000 $ 49,000
Shelby, Iowa 4 $ 590,000 $ 147,500 $ 48,000
Carver, Minnesota 4 $ 1,330,000 $ 332,500 $ 138,000
Douglas, Nebraska 4 $ 670,000 $ 167,500 $ 81,000
Brown, Wisconsin 4 $ 590,000 $ 147,500 $ 103,000
Lafayette, Wisconsin 4 $ 1,300,000 $ 325,000 $ 440,000
Milwaukee, Wisconsin 4 $ 560,000 $ 140,000 $ 114,000
Pepin, Wisconsin 4 $ 440,000 $ 110,000 $ 68,000
Polk, Wisconsin 4 $ 730,000 $ 182,500 $ 135,000
Ford, Illinois 3 $ 215,000 $ 71,666 $ 24,000
McHenry, Illinois 3 $ 1,115,000 $ 371,666 $ 132,000
Hancock, Indiana 3 $ 305,000 $ 101,666 $ 84,000
LaPorte, Indiana 3 $ 415,000 $ 138,333 $ 100,000
White, Indiana 3 $ 525,000 $ 175,000 $ 76,000
Iowa, Iowa 3 $ 845,000 $ 281,666 $ 118,000
Kossuth, Iowa 3 $ 1,115,000 $ 371,666 $ 283,000
Warren, Iowa 3 $ 435,000 $ 145,000 $ 56,000
Green, Wisconsin 3 $ 285,000 $ 95,000 $ 53,000
Manitowoc, Wisconsin 3 $ 325,000 $ 108,333 $ 49,000
Monroe, Wisconsin 3 $ 485,000 $ 161,666 $ 79,000
Oconto, Wisconsin 3 $ 485,000 $ 161,666 $ 98,000
Wood, Wisconsin 3 $ 475,000 $ 158,333 $ 51,000
Carroll, Illinois 2 $ 330,000 $ 165,000 $ 68,000
Champaign, Illinois 2 $ 330,000 $ 165,000 $ 71,000
Douglas, Illinois 2 $ 230,000 $ 115,000 $ 109,000
Iroquois, Illinois 2 $ 130,000 $ 65,000 $ 28,000
Kankakee, Illinois 2 $ 140,000 $ 70,000 $ 45,000
Tazewell, Illinois 2 $ 230,000 $ 115,000 $ 55,000
Winnebago, Illinois 2 $ 130,000 $ 65,000 $ 58,000
Marion, Indiana 2 $ 390,000 $ 195,000 $ 88,000
Parke, Indiana 2 $ 170,000 $ 85,000 $ 39,000
Starke, Indiana 2 $ 250,000 $ 125,000 $ 57,000
Wells, Indiana 2 $ 160,000 $ 80,000 $ 63,000
Adair, Iowa 2 $ 490,000 $ 245,000 $ 95,000
Audubon, Iowa 2 $ 280,000 $ 140,000 $ 47,000
Clayton, Iowa 2 $ 390,000 $ 195,000 $ 95,000
Dallas, Iowa 2 $ 1,360,000 $ 680,000 $ 453,000
Floyd, Iowa 2 $ 230,000 $ 115,000 $ 75,000
Marshall, Iowa 2 $ 220,000 $ 110,000 $ 78,000
Sac, Iowa 2 $ 180,000 $ 90,000 $ 114,000
Story, Iowa 2 $ 350,000 $ 175,000 $ 67,000
Dakota, Minnesota 2 $ 440,000 $ 220,000 $ 68,000
Hennepin, Minnesota 2 $ 450,000 $ 225,000 $ 101,000
Ramsey, Minnesota 2 $ 400,000 $ 200,000 $ 265,000
Scott, Minnesota 2 $ 550,000 $ 275,000 $ 109,000
Wabasha, Minnesota 2 $ 210,000 $ 105,000 $ 60,000
Washington, Minnesota 2 $ 430,000 $ 215,000 $ 84,000
Clark, Wisconsin 2 $ 200,000 $ 100,000 $ 60,000
Douglas, Wisconsin 2 $ 360,000 $ 180,000 $ 66,000
Florence, Wisconsin 2 $ 240,000 $ 120,000 $ 108,000
Jackson, Wisconsin 2 $ 170,000 $ 85,000 $ 52,000
Langlade, Wisconsin 2 $ 200,000 $ 100,000 $ 60,000
Marinette, Wisconsin 2 $ 440,000 $ 220,000 $ 140,000
Winnebago, Wisconsin 2 $ 280,000 $ 140,000 $ 56,000
Denver, Colorado 1 $ 335,000 $ 335,000 $ 70,000
Boone, Illinois 1 $ 125,000 $ 125,000 $ 167,000
Henderson, Illinois 1 $ 105,000 $ 105,000 $ 77,000
Kane, Illinois 1 $ 255,000 $ 255,000 $ 220,000
Knox, Illinois 1 $ 115,000 $ 115,000 $ 42,000
LaSalle, Illinois 1 $ 75,000 $ 75,000 $ 61,000
Lawrence, Illinois 1 $ 105,000 $ 105,000 $ 51,000
Livingston, Illinois 1 $ 85,000 $ 85,000 $ 43,000
Marshall, Illinois 1 $ 155,000 $ 155,000 $ 295,000
Peoria, Illinois 1 $ 225,000 $ 225,000 $ 140,000
Randolph, Illinois 1 $ 175,000 $ 175,000 $ 70,000
Vermilion, Illinois 1 $ 55,000 $ 55,000 $ 66,000
Woodford, Illinois 1 $ 95,000 $ 95,000 $ 49,000
Benton, Indiana 1 $ 125,000 $ 125,000 $ 46,000
Boone, Indiana 1 $ 85,000 $ 85,000 $ 66,000
Clinton, Indiana 1 $ 85,000 $ 85,000 $ 52,000
Decatur, Indiana 1 $ 295,000 $ 295,000 $ 135,000
Fulton, Indiana 1 $ 95,000 $ 95,000 $ 58,000
Grant, Indiana 1 $ 45,000 $ 45,000 $ 41,000
Jasper, Indiana 1 $ 95,000 $ 95,000 $ 31,000
Lake, Indiana 1 $ 225,000 $ 225,000 $ 72,000
Montgomery, Indiana 1 $ 65,000 $ 65,000 $ 38,000
Noble, Indiana 1 $ 15,000 $ 15,000 $ 34,000
Owen, Indiana 1 $ 55,000 $ 55,000 $ 21,000
Porter, Indiana 1 $ 185,000 $ 185,000 $ 132,000
Wayne, Indiana 1 $ 145,000 $ 145,000 $ 112,000
Boone, Iowa 1 $ 275,000 $ 275,000 $ 130,000
Bremer, Iowa 1 $ 275,000 $ 275,000 $ 134,000
Cherokee, Iowa 1 $ 165,000 $ 165,000 $ 76,000
Fayette, Iowa 1 $ 95,000 $ 95,000 $ 37,000
Franklin, Iowa 1 $ 145,000 $ 145,000 $ 77,000
Hancock, Iowa 1 $ 125,000 $ 125,000 $ 49,000
Ida, Iowa 1 $ 195,000 $ 195,000 $ 106,000
Lee, Iowa 1 $ 105,000 $ 105,000 $ 66,000
Marion, Iowa 1 $ 135,000 $ 135,000 $ 38,000
Mitchell, Iowa 1 $ 375,000 $ 375,000 $ 130,000
Muscatine, Iowa 1 $ 205,000 $ 205,000 $ 65,000
Ringgold, Iowa 1 $ 345,000 $ 345,000 $ 200,000
Washington, Iowa 1 $ 425,000 $ 425,000 $ 185,000
Webster, Iowa 1 $ 95,000 $ 95,000 $ 38,000
Woodbury, Iowa 1 $ 165,000 $ 165,000 $ 93,000
Houghton, Michigan 1 $ 55,000 $ 55,000 $ 31,000
Anoka, Minnesota 1 $ 205,000 $ 205,000 $ 118,000
Blue Earth, Minnesota 1 $ 125,000 $ 125,000 $ 97,000
Chisago, Minnesota 1 $ 335,000 $ 335,000 $ 428,000
Crow Wing, Minnesota 1 $ 45,000 $ 45,000 $ 39,000
Faribault, Minnesota 1 $ 105,000 $ 105,000 $ 100,000
Freeborn, Minnesota 1 $ 145,000 $ 145,000 $ 76,000
Pine, Minnesota 1 $ 315,000 $ 315,000 $ 127,000
Camden, Missouri 1 $ 155,000 $ 155,000 $ 57,000
Sarpy, Nebraska 1 $ 205,000 $ 205,000 $ 71,000
Darke, Ohio 1 $ 95,000 $ 95,000 $ 58,000
Adams, Wisconsin 1 $ 135,000 $ 135,000 $ 43,000
Calumet, Wisconsin 1 $ 95,000 $ 95,000 $ 61,000
Marquette, Wisconsin 1 $ 235,000 $ 235,000 $ 80,000
Outagamie, Wisconsin 1 $ 165,000 $ 165,000 $ 66,000
Ozaukee, Wisconsin 1 $ 315,000 $ 315,000 $ 156,000
Waukesha, Wisconsin 1 $ 315,000 $ 315,000 $ 167,000

Mortgage Loan Application Detail Totals for Bankers' Bank in 2018

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 620 $84,350,000 $136,000 $545,000 $71,000 $618,000
Refinancing 263 $53,235,000 $202,000 $1,085,000 $104,000 $1,403,000
Home Improvement 186 $28,700,000 $154,000 $705,000 $104,000 $1,153,000
Cash-out Refinancing 11 $1,515,000 $137,000 $265,000 $104,000 $158,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 1,018 $157,660,000 $154,000 $1,085,000 $83,000 $1,153,000
Not Provided 42 $7,740,000 $184,000 $805,000 $133,000 $1,403,000
Hispanic 10 $1,130,000 $113,000 $245,000 $63,000 $122,000
Asian 4 $770,000 $192,000 $335,000 $85,000 $137,000
American Indian or Alaskan Native 3 $265,000 $88,000 $125,000 $84,000 $136,000
Black or African American 2 $120,000 $60,000 $95,000 $55,000 $75,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $0 $0
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) 972 $157,120,000 $161,000 $1,085,000 $89,000 $1,403,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 103 $9,915,000 $96,000 $195,000 $42,000 $77,000
VA-guaranteed (Veterans Administration) 5 $765,000 $153,000 $215,000 $61,000 $78,000
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 761 $120,935,000 $158,000 $1,085,000 $87,000 $1,153,000
File Closed For Incompleteness 115 $19,095,000 $166,000 $705,000 $89,000 $720,000
Application Denied By Financial Institution 105 $14,835,000 $141,000 $805,000 $73,000 $1,403,000
Application Withdrawn By Applicant 86 $10,460,000 $121,000 $395,000 $71,000 $190,000
Application Approved But Not Accepted 13 $2,475,000 $190,000 $525,000 $90,000 $185,000
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 975 $152,965,000 $156,000 $1,085,000 $86,000 $1,153,000
Debt-To-Income Ratio 33 $4,875,000 $147,000 $345,000 $49,000 $174,000
Credit History 30 $4,210,000 $140,000 $805,000 $117,000 $1,403,000
Collateral 17 $2,585,000 $152,000 $455,000 $83,000 $191,000
Employment History 12 $1,350,000 $112,000 $285,000 $26,000 $140,000
Other 9 $1,385,000 $153,000 $275,000 $67,000 $216,000
Unverifiable Information 3 $365,000 $121,000 $165,000 $43,000 $72,000
Insufficient Cash (Downpayment, Closing Cost) 1 $65,000 $65,000 $65,000 $52,000 $52,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankers' Bank's 2018 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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