Bay View Federal S&L Assoc Mortgage Lending & HMDA Data, 2008
In 2008, Bay View Federal S&L Assoc of Milwaukee, WI reported 77 mortgage applications totaling $14.1 million, up 33% from 2007. The average application was for $182,493, and applicants reported an average income of $64,805. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (76) and Racine, WI (1).
| Mortgage Company & Address | Bay View Federal S&L Assoc 3974 S. Howell Ave. Milwaukee, WI 53207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 77 |
| Total Mortgage Loan Application Amount | $14,052,000 |
| Average Mortgage Loan Application Amount | $182,493 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $64,805 |
| Highest Applicant Income | $2,694,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bay View Federal S&L Assoc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee, Wisconsin | 62 | $ 10,469,000 | $ 168,854 | $ 66,000 |
| Waukesha, Wisconsin | 14 | $ 3,203,000 | $ 228,785 | $ 51,000 |
| Racine, Wisconsin | 1 | $ 380,000 | $ 380,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for Bay View Federal S&L Assoc in 2008
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 | 45 | $9,657,000 | $214,000 | $1,200,000 | $30,000 | $223,000 |
| Home Purchase | 24 | $3,690,000 | $153,000 | $380,000 | $134,000 | $2,694,000 |
| Home Improvement | 8 | $705,000 | $88,000 | $215,000 | $53,000 | $128,000 |
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 | 61 | $9,389,000 | $153,000 | $453,000 | $81,000 | $2,694,000 |
| Not applicable | 13 | $4,396,000 | $338,000 | $1,200,000 | $0 | $0 |
| Hispanic | 2 | $202,000 | $101,000 | $108,000 | $14,000 | $29,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $41,000 | $41,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 77 | $14,052,000 | $182,000 | $1,200,000 | $65,000 | $2,694,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 65 | $11,686,000 | $179,000 | $1,000,000 | $68,000 | $2,694,000 |
| Application Denied By Financial Institution | 7 | $1,793,000 | $256,000 | $1,200,000 | $51,000 | $216,000 |
| Application Approved But Not Accepted | 3 | $343,000 | $114,000 | $140,000 | $41,000 | $95,000 |
| Application Withdrawn By Applicant | 2 | $230,000 | $115,000 | $150,000 | $30,000 | $61,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 3 | $1,364,000 | $454,000 | $1,200,000 | $0 | $0 |
| Collateral | 2 | $338,000 | $169,000 | $245,000 | $108,000 | $216,000 |
| Credit History | 2 | $91,000 | $45,000 | $61,000 | $71,000 | $71,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bay View Federal S&L Assoc's 2008 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 Bay View Federal S&L Assoc'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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