Bay View Federal S&L Assoc Mortgage Lending & HMDA Data, 2006
In 2006, Bay View Federal S&L Assoc of Milwaukee, WI reported 56 mortgage applications totaling $9.8 million, up 81% from 2005. The average application was for $174,107, and applicants reported an average income of $36,267. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (54), Racine, WI (1) and Sheboygan, WI (1) (applications in parentheses).
| 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 | 56 |
| Total Mortgage Loan Application Amount | $9,750,000 |
| Average Mortgage Loan Application Amount | $174,107 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $36,267 |
| Highest Applicant Income | $336,000 |
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records Bay View Federal S&L Assoc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 54 | $ 9,120,000 | $ 168,888 | $ 35,000 |
| Racine, WI | 1 | $ 210,000 | $ 210,000 | $ 97,000 |
| Sheboygan, WI | 1 | $ 420,000 | $ 420,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bay View Federal S&L Assoc in 2006
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 | 27 | $5,798,000 | $214,000 | $538,000 | $41,000 | $196,000 |
| Refinancing | 17 | $2,946,000 | $173,000 | $625,000 | $48,000 | $336,000 |
| Home Improvement | 12 | $1,006,000 | $83,000 | $130,000 | $9,000 | $65,000 |
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 | 39 | $5,720,000 | $146,000 | $500,000 | $46,000 | $336,000 |
| Not applicable | 14 | $3,520,000 | $251,000 | $625,000 | $0 | $0 |
| Hispanic | 3 | $510,000 | $170,000 | $320,000 | $77,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 56 | $9,750,000 | $174,000 | $625,000 | $36,000 | $336,000 |
| 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 | 48 | $8,665,000 | $180,000 | $625,000 | $36,000 | $336,000 |
| Application Approved But Not Accepted | 4 | $377,000 | $94,000 | $130,000 | $11,000 | $47,000 |
| Application Denied By Financial Institution | 2 | $372,000 | $186,000 | $320,000 | $89,000 | $122,000 |
| Application Withdrawn By Applicant | 2 | $336,000 | $168,000 | $200,000 | $35,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $52,000 | $52,000 | $52,000 | $57,000 | $57,000 |
| Collateral | 1 | $320,000 | $320,000 | $320,000 | $122,000 | $122,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 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 2006 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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