Baytree Lending Mortgage Lending & HMDA Data, 2007
In 2007, Baytree Lending of West Allis, WI reported 1,865 mortgage applications totaling $163.3 million, down 53% from 2006. The average application was for $87,554, and applicants reported an average income of $110,376. 51% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (465), Chicago-Naperville-Joliet, IL (385) and Portland-Vancouver-Beaverton, OR-WA (161) (applications in parentheses).
| Mortgage Company & Address | Baytree Lending 10909 West Greenfield Ave Ste 208 West Allis, WI 53214 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,865 |
| Total Mortgage Loan Application Amount | $163,289,000 |
| Average Mortgage Loan Application Amount | $87,554 |
| Highest Mortgage Loan Application Amount | $1,033,000 |
| Average Applicant Income | $110,376 |
| Highest Applicant Income | $6,249,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Baytree Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 276 | $ 21,429,000 | $ 77,641 | $ 109,000 |
| Milwaukee, Wisconsin | 229 | $ 12,354,000 | $ 53,947 | $ 77,000 |
| Waukesha, Wisconsin | 152 | $ 9,909,000 | $ 65,190 | $ 96,000 |
| Dane, Wisconsin | 119 | $ 6,016,000 | $ 50,554 | $ 90,000 |
| Washington, Wisconsin | 65 | $ 3,389,000 | $ 52,138 | $ 87,000 |
| Multnomah, Oregon | 53 | $ 13,219,000 | $ 249,415 | $ 132,000 |
| Brown, Wisconsin | 52 | $ 2,392,000 | $ 46,000 | $ 71,000 |
| Washington, Oregon | 49 | $ 9,796,000 | $ 199,918 | $ 96,000 |
| Racine, Wisconsin | 46 | $ 2,420,000 | $ 52,608 | $ 72,000 |
| Deschutes, Oregon | 44 | $ 10,346,000 | $ 235,136 | $ 125,000 |
| Clackamas, Oregon | 40 | $ 10,808,000 | $ 270,200 | $ 112,000 |
| Marion, Oregon | 39 | $ 5,951,000 | $ 152,589 | $ 83,000 |
| DuPage, Illinois | 35 | $ 2,180,000 | $ 62,285 | $ 109,000 |
| Lake, Illinois | 34 | $ 1,964,000 | $ 57,764 | $ 122,000 |
| Will, Illinois | 32 | $ 1,868,000 | $ 58,375 | $ 97,000 |
| Outagamie, Wisconsin | 32 | $ 1,379,000 | $ 43,093 | $ 73,000 |
| Ada, Idaho | 29 | $ 4,347,000 | $ 149,896 | $ 80,000 |
| Jefferson, Wisconsin | 29 | $ 1,411,000 | $ 48,655 | $ 68,000 |
| Linn, Oregon | 27 | $ 3,295,000 | $ 122,037 | $ 59,000 |
| Winnebago, Wisconsin | 25 | $ 1,841,000 | $ 73,640 | $ 115,000 |
| Kenosha, Wisconsin | 24 | $ 1,548,000 | $ 64,500 | $ 85,000 |
| Walworth, Wisconsin | 23 | $ 1,663,000 | $ 72,304 | $ 133,000 |
| Kane, Illinois | 20 | $ 918,000 | $ 45,900 | $ 118,000 |
| Dodge, Wisconsin | 20 | $ 998,000 | $ 49,900 | $ 79,000 |
| McHenry, Illinois | 19 | $ 1,240,000 | $ 65,263 | $ 110,000 |
| Ozaukee, Wisconsin | 19 | $ 1,067,000 | $ 56,157 | $ 89,000 |
| Columbia, Wisconsin | 18 | $ 949,000 | $ 52,722 | $ 70,000 |
| Sauk, Wisconsin | 18 | $ 825,000 | $ 45,833 | $ 80,000 |
| Canyon, Idaho | 17 | $ 2,507,000 | $ 147,470 | $ 1,884,000 |
| Sheboygan, Wisconsin | 14 | $ 650,000 | $ 46,428 | $ 88,000 |
| Marathon, Wisconsin | 13 | $ 706,000 | $ 54,307 | $ 60,000 |
| Yamhill, Oregon | 11 | $ 2,026,000 | $ 184,181 | $ 93,000 |
| Rock, Wisconsin | 11 | $ 398,000 | $ 36,181 | $ 72,000 |
| Green, Wisconsin | 10 | $ 507,000 | $ 50,700 | $ 92,000 |
| Fond du Lac, Wisconsin | 9 | $ 682,000 | $ 75,777 | $ 77,000 |
| Lake, Indiana | 8 | $ 576,000 | $ 72,000 | $ 80,000 |
| Oconto, Wisconsin | 8 | $ 452,000 | $ 56,500 | $ 69,000 |
| Green Lake, Wisconsin | 7 | $ 293,000 | $ 41,857 | $ 66,000 |
| Benton, Oregon | 6 | $ 1,124,000 | $ 187,333 | $ 81,000 |
| Calumet, Wisconsin | 6 | $ 306,000 | $ 51,000 | $ 51,000 |
| Vilas, Wisconsin | 6 | $ 174,000 | $ 29,000 | $ 54,000 |
| Marion, Indiana | 5 | $ 321,000 | $ 64,200 | $ 79,000 |
| Macomb, Michigan | 5 | $ 325,000 | $ 65,000 | $ 70,000 |
| Clark, Washington | 5 | $ 1,283,000 | $ 256,600 | $ 117,000 |
| Kewaunee, Wisconsin | 5 | $ 232,000 | $ 46,400 | $ 69,000 |
| Oakland, Michigan | 4 | $ 190,000 | $ 47,500 | $ 92,000 |
| Wayne, Michigan | 4 | $ 253,000 | $ 63,250 | $ 50,000 |
| Clatsop, Oregon | 4 | $ 1,422,000 | $ 355,500 | $ 199,000 |
| Jackson, Oregon | 4 | $ 787,000 | $ 196,750 | $ 86,000 |
| Jefferson, Oregon | 4 | $ 590,000 | $ 147,500 | $ 111,000 |
| Portage, Wisconsin | 4 | $ 298,000 | $ 74,500 | $ 129,000 |
| Shawano, Wisconsin | 4 | $ 254,000 | $ 63,500 | $ 89,000 |
| Waupaca, Wisconsin | 4 | $ 142,000 | $ 35,500 | $ 73,000 |
| Payette, Idaho | 3 | $ 294,000 | $ 98,000 | $ 65,000 |
| St. Joseph, Indiana | 3 | $ 313,000 | $ 104,333 | $ 69,000 |
| Genesee, Michigan | 3 | $ 201,000 | $ 67,000 | $ 72,000 |
| Columbia, Oregon | 3 | $ 283,000 | $ 94,333 | $ 59,000 |
| Lane, Oregon | 3 | $ 652,000 | $ 217,333 | $ 164,000 |
| Chippewa, Wisconsin | 3 | $ 128,000 | $ 42,666 | $ 70,000 |
| Eau Claire, Wisconsin | 3 | $ 129,000 | $ 43,000 | $ 112,000 |
| La Crosse, Wisconsin | 3 | $ 120,000 | $ 40,000 | $ 62,000 |
| Langlade, Wisconsin | 3 | $ 69,000 | $ 23,000 | $ 46,000 |
| St. Croix, Wisconsin | 3 | $ 104,000 | $ 34,666 | $ 77,000 |
| Maricopa, Arizona | 2 | $ 347,000 | $ 173,500 | $ 245,000 |
| Hillsborough, Florida | 2 | $ 115,000 | $ 57,500 | $ 70,000 |
| Boone, Illinois | 2 | $ 100,000 | $ 50,000 | $ 110,000 |
| Kendall, Illinois | 2 | $ 66,000 | $ 33,000 | $ 84,000 |
| McLean, Illinois | 2 | $ 50,000 | $ 25,000 | $ 97,000 |
| Allen, Indiana | 2 | $ 185,000 | $ 92,500 | $ 62,000 |
| Hamilton, Indiana | 2 | $ 104,000 | $ 52,000 | $ 95,000 |
| Jasper, Indiana | 2 | $ 174,000 | $ 87,000 | $ 49,000 |
| Crook, Oregon | 2 | $ 283,000 | $ 141,500 | $ 48,000 |
| Lincoln, Oregon | 2 | $ 442,000 | $ 221,000 | $ 141,000 |
| Polk, Oregon | 2 | $ 197,000 | $ 98,500 | $ 53,000 |
| Jefferson, Washington | 2 | $ 291,000 | $ 145,500 | $ 58,000 |
| Snohomish, Washington | 2 | $ 656,000 | $ 328,000 | $ 235,000 |
| Adams, Wisconsin | 2 | $ 123,000 | $ 61,500 | $ 126,000 |
| Bayfield, Wisconsin | 2 | $ 126,000 | $ 63,000 | $ 59,000 |
| Juneau, Wisconsin | 2 | $ 71,000 | $ 35,500 | $ 44,000 |
| Price, Wisconsin | 2 | $ 44,000 | $ 22,000 | $ 90,000 |
| Washburn, Wisconsin | 2 | $ 148,000 | $ 74,000 | $ 51,000 |
| Waushara, Wisconsin | 2 | $ 85,000 | $ 42,500 | $ 79,000 |
| Humboldt, California | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Riverside, California | 1 | $ 311,000 | $ 311,000 | $ 528,000 |
| Ventura, California | 1 | $ 357,000 | $ 357,000 | $ 180,000 |
| Larimer, Colorado | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Osceola, Florida | 1 | $ 89,000 | $ 89,000 | $ 864,000 |
| Pinellas, Florida | 1 | $ 29,000 | $ 29,000 | $ 49,000 |
| Clayton, Georgia | 1 | $ 33,000 | $ 33,000 | $ 46,000 |
| Paulding, Georgia | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| Elmore, Idaho | 1 | $ 171,000 | $ 171,000 | $ 174,000 |
| Kootenai, Idaho | 1 | $ 168,000 | $ 168,000 | $ 471,000 |
| Champaign, Illinois | 1 | $ 44,000 | $ 44,000 | $ 107,000 |
| DeKalb, Illinois | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Jo Daviess, Illinois | 1 | $ 98,000 | $ 98,000 | $ 119,000 |
| Kankakee, Illinois | 1 | $ 45,000 | $ 45,000 | $ 94,000 |
| Peoria, Illinois | 1 | $ 72,000 | $ 72,000 | $ 242,000 |
| Whiteside, Illinois | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Winnebago, Illinois | 1 | $ 51,000 | $ 51,000 | $ 60,000 |
| Woodford, Illinois | 1 | $ 27,000 | $ 27,000 | $ 68,000 |
| Clark, Indiana | 1 | $ 51,000 | $ 51,000 | $ 101,000 |
| Elkhart, Indiana | 1 | $ 19,000 | $ 19,000 | $ 135,000 |
| Johnson, Indiana | 1 | $ 52,000 | $ 52,000 | $ 71,000 |
| Newton, Indiana | 1 | $ 53,000 | $ 53,000 | $ 46,000 |
| Steuben, Indiana | 1 | $ 83,000 | $ 83,000 | $ 156,000 |
| Tippecanoe, Indiana | 1 | $ 150,000 | $ 150,000 | $ 180,000 |
| Wells, Indiana | 1 | $ 33,000 | $ 33,000 | $ 55,000 |
| Jefferson, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Ingham, Michigan | 1 | $ 224,000 | $ 224,000 | $ 12,000 |
| Livingston, Michigan | 1 | $ 59,000 | $ 59,000 | $ 161,000 |
| Shiawassee, Michigan | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Goodhue, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Steele, Minnesota | 1 | $ 49,000 | $ 49,000 | $ 148,000 |
| Cass, Missouri | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Clark, Nevada | 1 | $ 417,000 | $ 417,000 | $ 76,000 |
| Curry, Oregon | 1 | $ 320,000 | $ 320,000 | $ 78,000 |
| Cowlitz, Washington | 1 | $ 188,000 | $ 188,000 | $ 103,000 |
| King, Washington | 1 | $ 287,000 | $ 287,000 | $ 148,000 |
| Spokane, Washington | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| Barron, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 88,000 |
| Dunn, Wisconsin | 1 | $ 68,000 | $ 68,000 | $ 104,000 |
| Grant, Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 66,000 |
| Iowa, Wisconsin | 1 | $ 42,000 | $ 42,000 | $ 116,000 |
| Manitowoc, Wisconsin | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| Marinette, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Monroe, Wisconsin | 1 | $ 29,000 | $ 29,000 | $ 52,000 |
| Oneida, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Pierce, Wisconsin | 1 | $ 62,000 | $ 62,000 | $ 66,000 |
| Polk, Wisconsin | 1 | $ 53,000 | $ 53,000 | $ 78,000 |
| Richland, Wisconsin | 1 | $ 34,000 | $ 34,000 | $ 49,000 |
| Taylor, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Baytree Lending in 2007
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 | 1,280 | $102,124,000 | $79,000 | $1,033,000 | $113,000 | $6,249,000 |
| Home Purchase | 543 | $59,112,000 | $108,000 | $750,000 | $106,000 | $1,020,000 |
| Home Improvement | 42 | $2,053,000 | $48,000 | $115,000 | $87,000 | $174,000 |
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 | 1,526 | $134,535,000 | $88,000 | $1,033,000 | $115,000 | $6,249,000 |
| Hispanic | 135 | $10,346,000 | $76,000 | $425,000 | $87,000 | $282,000 |
| Black or African American | 95 | $7,250,000 | $76,000 | $390,000 | $89,000 | $864,000 |
| Not Provided | 60 | $7,318,000 | $121,000 | $620,000 | $94,000 | $425,000 |
| Asian | 44 | $3,319,000 | $75,000 | $368,000 | $94,000 | $300,000 |
| American Indian or Alaskan Native | 3 | $396,000 | $132,000 | $268,000 | $81,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $125,000 | $62,000 | $75,000 | $63,000 | $71,000 |
| 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) | 1,848 | $160,343,000 | $86,000 | $1,033,000 | $111,000 | $6,249,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,946,000 | $173,000 | $228,000 | $58,000 | $105,000 |
| 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 | 953 | $94,025,000 | $98,000 | $696,000 | $92,000 | $864,000 |
| Application Denied By Financial Institution | 760 | $48,059,000 | $63,000 | $425,000 | $92,000 | $751,000 |
| Application Withdrawn By Applicant | 113 | $14,543,000 | $128,000 | $1,033,000 | $110,000 | $500,000 |
| Application Approved But Not Accepted | 39 | $6,662,000 | $170,000 | $749,000 | $908,000 | $6,249,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 341 | $19,087,000 | $55,000 | $285,000 | $93,000 | $500,000 |
| Credit History | 96 | $7,267,000 | $75,000 | $330,000 | $90,000 | $396,000 |
| Collateral | 88 | $6,125,000 | $69,000 | $326,000 | $92,000 | $396,000 |
| Other | 85 | $6,206,000 | $73,000 | $380,000 | $109,000 | $751,000 |
| Debt-To-Income Ratio | 67 | $3,288,000 | $49,000 | $200,000 | $70,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 57 | $4,439,000 | $77,000 | $425,000 | $91,000 | $428,000 |
| Employment History | 26 | $1,647,000 | $63,000 | $139,000 | $98,000 | $243,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baytree Lending's 2007 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 Baytree Lending'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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