Bay View Federal S&L Assoc Mortgage Lending & HMDA Data, 2013
In 2013, Bay View Federal S&L Assoc of Milwaukee, WI reported 91 mortgage applications totaling $16.0 million, up 36% from 2012. The average application was for $175,494, and applicants reported an average income of $44,230. 85% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (89) and Janesville, WI (2).
| 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 | 2013 2012 2011 |
| Total Number of Mortgage Applications | 91 |
| Total Mortgage Loan Application Amount | $15,970,000 |
| Average Mortgage Loan Application Amount | $175,494 |
| Highest Mortgage Loan Application Amount | $1,160,000 |
| Average Applicant Income | $44,230 |
| Highest Applicant Income | $504,000 |
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records Bay View Federal S&L Assoc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Bay View Federal S&L Assoc in 2013
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 | 43 | $6,480,000 | $150,000 | $740,000 | $42,000 | $350,000 |
| Home Improvement | 25 | $2,130,000 | $85,000 | $139,000 | $17,000 | $105,000 |
| Home Purchase | 23 | $7,360,000 | $320,000 | $1,160,000 | $78,000 | $504,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 50 | $8,724,000 | $174,000 | $990,000 | $0 | $0 |
| White | 35 | $6,629,000 | $189,000 | $1,160,000 | $105,000 | $504,000 |
| Hispanic | 5 | $528,000 | $105,000 | $142,000 | $64,000 | $91,000 |
| Asian | 1 | $89,000 | $89,000 | $89,000 | $38,000 | $38,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 91 | $15,970,000 | $175,000 | $1,160,000 | $44,000 | $504,000 |
| 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 | 77 | $12,769,000 | $165,000 | $1,160,000 | $39,000 | $504,000 |
| Application Denied By Financial Institution | 9 | $1,361,000 | $151,000 | $360,000 | $59,000 | $160,000 |
| Application Withdrawn By Applicant | 3 | $1,659,000 | $553,000 | $675,000 | $162,000 | $289,000 |
| File Closed For Incompleteness | 1 | $111,000 | $111,000 | $111,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $70,000 | $70,000 | $70,000 | $35,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $466,000 | $116,000 | $184,000 | $83,000 | $160,000 |
| Other | 2 | $300,000 | $150,000 | $183,000 | $33,000 | $67,000 |
| Credit History | 2 | $235,000 | $117,000 | $125,000 | $49,000 | $73,000 |
| Debt-To-Income Ratio | 1 | $360,000 | $360,000 | $360,000 | $32,000 | $32,000 |
| 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 |
| 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 Bay View Federal S&L Assoc's 2013 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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