Bankers' Bank Mortgage Lending & HMDA Data, 2024
In 2024, Bankers' Bank of Madison, WI reported 490 mortgage applications totaling $107.2 million, up 18% from 2023. The average application was for $218,714, and applicants reported an average income of $145,920. 69% of its applications resulted in an originated loan and 12% were denied. Its largest markets were St. Louis, MO-IL (53), Sheboygan, WI (21) and Omaha-Council Bluffs, NE-IA (19) (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 | 490 |
| Total Mortgage Loan Application Amount | $107,170,000 |
| Average Mortgage Loan Application Amount | $218,714 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $145,920 |
| Highest Applicant Income | $7,297,000 |
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Act (HMDA) records Bankers' Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 278 | $ 54,180,000 | $ 194,892 | $ 106,593 |
| St. Louis, MO-IL | 53 | $ 12,075,000 | $ 227,830 | $ 121,490 |
| Sheboygan, WI | 21 | $ 4,565,000 | $ 217,380 | $ 98,000 |
| Omaha-Council Bluffs, NE-IA | 19 | $ 4,775,000 | $ 251,315 | $ 115,000 |
| Indianapolis-Carmel-Anderson, IN | 17 | $ 4,335,000 | $ 255,000 | $ 194,000 |
| Madison, WI | 13 | $ 4,975,000 | $ 382,692 | $ 1,246,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 4,505,000 | $ 346,538 | $ 214,000 |
| Janesville-Beloit, WI | 10 | $ 1,890,000 | $ 189,000 | $ 75,000 |
| Wichita, KS | 9 | $ 2,725,000 | $ 302,777 | $ 145,000 |
| Eau Claire, WI | 6 | $ 1,720,000 | $ 286,666 | $ 105,000 |
| Wausau, WI | 6 | $ 1,360,000 | $ 226,666 | $ 183,000 |
| Bloomington, IL | 5 | $ 845,000 | $ 169,000 | $ 84,000 |
| Kansas City, MO-KS | 4 | $ 770,000 | $ 192,500 | $ 77,750 |
| Columbus, OH | 3 | $ 585,000 | $ 195,000 | $ 105,000 |
| Des Moines-West Des Moines, IA | 3 | $ 805,000 | $ 268,333 | $ 102,000 |
| Fond Du Lac, WI | 3 | $ 815,000 | $ 271,666 | $ 120,000 |
| Green Bay, WI | 3 | $ 855,000 | $ 285,000 | $ 131,000 |
| Topeka, KS | 3 | $ 665,000 | $ 221,666 | $ 119,000 |
| Champaign-Urbana, IL | 2 | $ 110,000 | $ 55,000 | $ 59,000 |
| Duluth, MN-WI | 2 | $ 520,000 | $ 260,000 | $ 170,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 620,000 | $ 310,000 | $ 173,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 780,000 | $ 390,000 | $ 183,500 |
| Ames, IA | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Appleton, WI | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Chicago-Naperville, IL | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Cleveland, OH | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 165,000 | $ 165,000 | $ 25,000 |
| Elgin, IL | 1 | $ 405,000 | $ 405,000 | $ 403,000 |
| Fort Wayne, IN | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Joplin, MO | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Lafayette-West Lafayette, IN | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Lawrence, KS | 1 | $ 305,000 | $ 305,000 | $ 195,000 |
| Lima, OH | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Oshkosh-Neenah, WI | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Bankers' Bank in 2024
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 | 372 | $78,920,000 | $212,000 | $765,000 | $116,000 | $762,000 |
| Refinancing | 71 | $19,535,000 | $275,000 | $985,000 | $226,000 | $5,895,000 |
| Cash-out Refinancing | 46 | $8,390,000 | $182,000 | $605,000 | $263,000 | $7,297,000 |
| Home Improvement | 1 | $325,000 | $325,000 | $325,000 | $205,000 | $205,000 |
| 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 | 437 | $94,575,000 | $216,000 | $985,000 | $149,000 | $7,297,000 |
| Not Provided | 27 | $6,765,000 | $250,000 | $725,000 | $140,000 | $562,000 |
| Hispanic | 11 | $1,765,000 | $160,000 | $315,000 | $71,000 | $187,000 |
| American Indian or Alaskan Native | 6 | $1,260,000 | $210,000 | $295,000 | $74,000 | $116,000 |
| Asian | 5 | $1,765,000 | $353,000 | $535,000 | $215,000 | $466,000 |
| Black or African American | 3 | $785,000 | $261,000 | $345,000 | $132,000 | $148,000 |
| Not applicable | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 459 | $102,815,000 | $223,000 | $985,000 | $151,000 | $7,297,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,995,000 | $137,000 | $235,000 | $63,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 2 | $360,000 | $180,000 | $215,000 | $99,000 | $123,000 |
| 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 | 337 | $75,895,000 | $225,000 | $985,000 | $165,000 | $7,297,000 |
| Application Withdrawn By Applicant | 74 | $15,660,000 | $211,000 | $575,000 | $113,000 | $536,000 |
| Application Denied By Financial Institution | 58 | $10,040,000 | $173,000 | $705,000 | $83,000 | $431,000 |
| File Closed For Incompleteness | 16 | $4,590,000 | $286,000 | $625,000 | $153,000 | $347,000 |
| Application Approved But Not Accepted | 4 | $730,000 | $182,000 | $255,000 | $74,000 | $122,000 |
| Loan Purchased By The Institution | 1 | $255,000 | $255,000 | $255,000 | $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 | 432 | $97,130,000 | $224,000 | $985,000 | $155,000 | $7,297,000 |
| Credit History | 30 | $4,290,000 | $143,000 | $325,000 | $75,000 | $184,000 |
| Debt-To-Income Ratio | 12 | $2,390,000 | $199,000 | $315,000 | $73,000 | $299,000 |
| Collateral | 7 | $1,625,000 | $232,000 | $645,000 | $102,000 | $172,000 |
| Other | 6 | $1,270,000 | $211,000 | $705,000 | $131,000 | $431,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $380,000 | $190,000 | $245,000 | $80,000 | $107,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| 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 2024 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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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