Bankers' Bank Mortgage Lending & HMDA Data, 2025
In 2025, Bankers' Bank of Madison, WI reported 589 mortgage applications totaling $139.4 million, up 20% from 2024. The average application was for $236,748, and applicants reported an average income of $139,235. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (64), Omaha-Council Bluffs, NE-IA (36) and Des Moines-West Des Moines, IA (29) (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 | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 589 |
| Total Mortgage Loan Application Amount | $139,445,000 |
| Average Mortgage Loan Application Amount | $236,748 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $139,235 |
| Highest Applicant Income | $7,200,000 |
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Act (HMDA) records Bankers' Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 296 | $ 61,070,000 | $ 206,317 | $ 138,229 |
| St. Louis, MO-IL | 64 | $ 15,710,000 | $ 245,468 | $ 134,640 |
| Omaha-Council Bluffs, NE-IA | 36 | $ 9,730,000 | $ 270,277 | $ 130,666 |
| Des Moines-West Des Moines, IA | 29 | $ 9,805,000 | $ 338,103 | $ 165,000 |
| Chicago-Naperville, IL | 20 | $ 7,360,000 | $ 368,000 | $ 187,000 |
| Indianapolis-Carmel-Anderson, IN | 19 | $ 4,745,000 | $ 249,736 | $ 194,000 |
| Waterloo-Cedar Falls, IA | 14 | $ 2,500,000 | $ 178,571 | $ 81,000 |
| Janesville-Beloit, WI | 13 | $ 4,435,000 | $ 341,153 | $ 269,000 |
| Kansas City, MO-KS | 10 | $ 1,990,000 | $ 199,000 | $ 103,100 |
| Sheboygan, WI | 8 | $ 2,610,000 | $ 326,250 | $ 112,000 |
| Columbus, OH | 7 | $ 1,585,000 | $ 226,428 | $ 82,000 |
| Elgin, IL | 7 | $ 1,935,000 | $ 276,428 | $ 101,000 |
| Madison, WI | 7 | $ 2,105,000 | $ 300,714 | $ 118,000 |
| Lima, OH | 6 | $ 1,010,000 | $ 168,333 | $ 97,000 |
| Lafayette-West Lafayette, IN | 5 | $ 1,075,000 | $ 215,000 | $ 90,000 |
| Cedar Rapids, IA | 4 | $ 930,000 | $ 232,500 | $ 137,000 |
| Topeka, KS | 4 | $ 1,420,000 | $ 355,000 | $ 163,000 |
| Akron, OH | 3 | $ 535,000 | $ 178,333 | $ 75,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 895,000 | $ 298,333 | $ 111,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 1,195,000 | $ 398,333 | $ 200,000 |
| Wichita, KS | 3 | $ 795,000 | $ 265,000 | $ 131,000 |
| Ames, IA | 2 | $ 420,000 | $ 210,000 | $ 70,000 |
| Bloomington, IL | 2 | $ 320,000 | $ 160,000 | $ 99,000 |
| Duluth, MN-WI | 2 | $ 320,000 | $ 160,000 | $ 85,000 |
| Fond Du Lac, WI | 2 | $ 720,000 | $ 360,000 | $ 140,000 |
| Peoria, IL | 2 | $ 270,000 | $ 135,000 | $ 150,000 |
| Rockford, IL | 2 | $ 380,000 | $ 190,000 | $ 104,000 |
| Appleton, WI | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Champaign-Urbana, IL | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Cleveland, OH | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Eau Claire, WI | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 425,000 | $ 425,000 | $ 135,000 |
| Iowa City, IA | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Joplin, MO | 1 | $ 305,000 | $ 305,000 | $ 48,000 |
| Lawrence, KS | 1 | $ 435,000 | $ 435,000 | $ 157,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Manhattan, KS | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 315,000 | $ 315,000 | $ 83,000 |
| Muncie, IN | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Springfield, MO | 1 | $ 185,000 | $ 185,000 | $ 172,000 |
| St. Joseph, MO-KS | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Wausau, WI | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Bankers' Bank in 2025
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 | 441 | $103,535,000 | $234,000 | $755,000 | $140,000 | $7,200,000 |
| Refinancing | 92 | $26,260,000 | $285,000 | $955,000 | $155,000 | $675,000 |
| Cash-out Refinancing | 53 | $9,235,000 | $174,000 | $805,000 | $107,000 | $900,000 |
| Home Improvement | 3 | $415,000 | $138,000 | $155,000 | $113,000 | $188,000 |
| 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 | 525 | $124,415,000 | $236,000 | $805,000 | $140,000 | $7,200,000 |
| Not Provided | 34 | $9,010,000 | $265,000 | $955,000 | $132,000 | $385,000 |
| Hispanic | 15 | $2,795,000 | $186,000 | $455,000 | $99,000 | $165,000 |
| Black or African American | 8 | $1,630,000 | $203,000 | $475,000 | $85,000 | $195,000 |
| Asian | 5 | $1,265,000 | $253,000 | $455,000 | $282,000 | $586,000 |
| American Indian or Alaskan Native | 2 | $330,000 | $165,000 | $205,000 | $75,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 558 | $134,680,000 | $241,000 | $955,000 | $143,000 | $7,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,850,000 | $137,000 | $285,000 | $63,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 3 | $915,000 | $305,000 | $535,000 | $58,000 | $85,000 |
| 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 | 402 | $97,800,000 | $243,000 | $755,000 | $132,000 | $1,781,000 |
| Application Withdrawn By Applicant | 98 | $21,450,000 | $218,000 | $955,000 | $205,000 | $7,200,000 |
| Application Denied By Financial Institution | 61 | $12,375,000 | $202,000 | $735,000 | $83,000 | $346,000 |
| File Closed For Incompleteness | 23 | $6,605,000 | $287,000 | $735,000 | $115,000 | $250,000 |
| Application Approved But Not Accepted | 5 | $1,215,000 | $243,000 | $365,000 | $184,000 | $496,000 |
| 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 | 528 | $127,070,000 | $240,000 | $955,000 | $145,000 | $7,200,000 |
| Debt-To-Income Ratio | 22 | $5,960,000 | $270,000 | $735,000 | $72,000 | $212,000 |
| Collateral | 19 | $3,215,000 | $169,000 | $455,000 | $111,000 | $346,000 |
| Credit History | 13 | $1,945,000 | $149,000 | $285,000 | $67,000 | $112,000 |
| Other | 3 | $785,000 | $261,000 | $425,000 | $113,000 | $135,000 |
| Employment History | 2 | $330,000 | $165,000 | $305,000 | $41,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $85,000 | $40,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2025 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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with aggregated HMDA statistics today.
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