Baytree Lending Mortgage Lending & HMDA Data, 2005
In 2005, Baytree Lending of West Allis, WI reported 5,396 mortgage applications totaling $741.0 million. The average application was for $137,328, and applicants reported an average income of $80,178. 66% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,842), Portland-Vancouver-Beaverton, OR-WA (940) and Milwaukee-Waukesha-West Allis, WI (363) (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 | 5,396 |
| Total Mortgage Loan Application Amount | $741,025,000 |
| Average Mortgage Loan Application Amount | $137,328 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $80,178 |
| Highest Applicant Income | $2,850,000 |
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Act (HMDA) records Baytree Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 1,842 | $ 273,634,000 | $ 148,552 | $ 81,000 |
| Portland-Vancouver-Beaverton, OR-WA | 940 | $ 175,855,000 | $ 187,079 | $ 81,000 |
| Milwaukee-Waukesha-West Allis, WI | 363 | $ 20,710,000 | $ 57,052 | $ 76,000 |
| Salem, OR | 175 | $ 24,318,000 | $ 138,960 | $ 72,000 |
| Bend, OR | 170 | $ 30,593,000 | $ 179,958 | $ 75,000 |
| Boise City-Nampa, ID | 126 | $ 17,258,000 | $ 136,968 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 108 | $ 18,070,000 | $ 167,314 | $ 85,000 |
| Charlotte-Gastonia-Concord, NC-SC | 96 | $ 8,671,000 | $ 90,322 | $ 77,000 |
| Cincinnati-Middletown, OH-KY-IN | 60 | $ 4,382,000 | $ 73,033 | $ 89,000 |
| Gary, IN | 55 | $ 5,119,000 | $ 93,072 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 47 | $ 3,195,000 | $ 67,978 | $ 95,000 |
| Warren-Farmington Hills-Troy, MI | 44 | $ 5,263,000 | $ 119,613 | $ 74,000 |
| Columbus, OH | 41 | $ 2,907,000 | $ 70,902 | $ 71,000 |
| Madison, WI | 41 | $ 2,264,000 | $ 55,219 | $ 73,000 |
| Corvallis, OR | 31 | $ 4,375,000 | $ 141,129 | $ 79,000 |
| Indianapolis, IN | 30 | $ 2,723,000 | $ 90,766 | $ 71,000 |
| Green Bay, WI | 29 | $ 1,368,000 | $ 47,172 | $ 47,000 |
| San Antonio, TX | 29 | $ 2,582,000 | $ 89,034 | $ 194,000 |
| Fort Wayne, IN | 27 | $ 1,517,000 | $ 56,185 | $ 117,000 |
| Wausau, WI | 24 | $ 1,313,000 | $ 54,708 | $ 55,000 |
| Racine, WI | 23 | $ 1,412,000 | $ 61,391 | $ 65,000 |
| Hickory-Lenoir-Morganton, NC | 19 | $ 1,283,000 | $ 67,526 | $ 46,000 |
| Appleton, WI | 18 | $ 810,000 | $ 45,000 | $ 63,000 |
| Kankakee-Bradley, IL | 18 | $ 988,000 | $ 54,888 | $ 95,000 |
| Rockford, IL | 17 | $ 1,273,000 | $ 74,882 | $ 41,000 |
| Anderson, IN | 16 | $ 513,000 | $ 32,062 | $ 98,000 |
| Oshkosh-Neenah, WI | 15 | $ 751,000 | $ 50,066 | $ 49,000 |
| Sheboygan, WI | 12 | $ 487,000 | $ 40,583 | $ 63,000 |
| Cleveland-Elyria-Mentor, OH | 10 | $ 721,000 | $ 72,100 | $ 38,000 |
| Greensboro-High Point, NC | 9 | $ 721,000 | $ 80,111 | $ 32,000 |
| Michigan City-La Porte, IN | 9 | $ 686,000 | $ 76,222 | $ 266,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 2,371,000 | $ 263,444 | $ 108,000 |
| Eugene-Springfield, OR | 8 | $ 1,228,000 | $ 153,500 | $ 68,000 |
| Fond Du Lac, WI | 8 | $ 215,000 | $ 26,875 | $ 66,000 |
| Longview, WA | 8 | $ 921,000 | $ 115,125 | $ 79,000 |
| Janesville, WI | 7 | $ 261,000 | $ 37,285 | $ 56,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 3,515,000 | $ 502,142 | $ 192,000 |
| Asheville, NC | 6 | $ 1,233,000 | $ 205,500 | $ 84,000 |
| Flint, MI | 6 | $ 369,000 | $ 61,500 | $ 33,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 2,248,000 | $ 374,666 | $ 136,000 |
| Columbia, SC | 5 | $ 933,000 | $ 186,600 | $ 135,000 |
| Medford, OR | 5 | $ 1,307,000 | $ 261,400 | $ 99,000 |
| Orlando, FL | 5 | $ 548,000 | $ 109,600 | $ 79,000 |
| Charleston-North Charleston, SC | 4 | $ 1,261,000 | $ 315,250 | $ 144,000 |
| Dayton, OH | 4 | $ 138,000 | $ 34,500 | $ 61,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,765,000 | $ 441,250 | $ 140,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,198,000 | $ 299,500 | $ 215,000 |
| Sandusky, OH | 4 | $ 256,000 | $ 64,000 | $ 60,000 |
| Springfield, OH | 4 | $ 188,000 | $ 47,000 | $ 77,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 240,000 | $ 80,000 | $ 53,000 |
| Jacksonville, FL | 3 | $ 1,790,000 | $ 596,666 | $ 370,000 |
| Lansing-East Lansing, MI | 3 | $ 133,000 | $ 44,333 | $ 36,000 |
| Spokane, WA | 3 | $ 443,000 | $ 147,666 | $ 62,000 |
| Winston-Salem, NC | 3 | $ 235,000 | $ 78,333 | $ 80,000 |
| Ann Arbor, MI | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 162,000 | $ 81,000 | $ 55,000 |
| Brownsville-Harlingen, TX | 2 | $ 79,000 | $ 39,500 | $ 66,000 |
| Canton-Massillon, OH | 2 | $ 118,000 | $ 59,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 455,000 | $ 227,500 | $ 180,000 |
| Champaign-Urbana, IL | 2 | $ 154,000 | $ 77,000 | $ 99,000 |
| Eau Claire, WI | 2 | $ 95,000 | $ 47,500 | $ 100,000 |
| Jacksonville, NC | 2 | $ 113,000 | $ 56,500 | $ 0 |
| Kansas City, MO-KS | 2 | $ 63,000 | $ 31,500 | $ 0 |
| Lima, OH | 2 | $ 342,000 | $ 171,000 | $ 140,000 |
| Mansfield, OH | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Naples-Marco Island, FL | 2 | $ 456,000 | $ 228,000 | $ 275,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,588,000 | $ 794,000 | $ 305,000 |
| Panama City-Lynn Haven, FL | 2 | $ 265,000 | $ 132,500 | $ 35,000 |
| Peoria, IL | 2 | $ 145,000 | $ 72,500 | $ 65,000 |
| Raleigh-Cary, NC | 2 | $ 429,000 | $ 214,500 | $ 53,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 889,000 | $ 444,500 | $ 116,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Tacoma, WA | 2 | $ 190,000 | $ 95,000 | $ 37,000 |
| Toledo, OH | 2 | $ 76,000 | $ 38,000 | $ 25,000 |
| Wilmington, NC | 2 | $ 480,000 | $ 240,000 | $ 90,000 |
| Bloomington-Normal, IL | 1 | $ 12,000 | $ 12,000 | $ 50,000 |
| Coeur D'Alene, ID | 1 | $ 142,000 | $ 142,000 | $ 83,000 |
| Columbus, IN | 1 | $ 159,000 | $ 159,000 | $ 52,000 |
| Denver-Aurora, CO | 1 | $ 21,000 | $ 21,000 | $ 41,000 |
| Durham, NC | 1 | $ 350,000 | $ 350,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Kennewick-Richland-Pasco, WA | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| La Crosse, WI-MN | 1 | $ 31,000 | $ 31,000 | $ 68,000 |
| Lewiston, ID-WA | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 251,000 | $ 251,000 | $ 62,000 |
| Modesto, CA | 1 | $ 273,000 | $ 273,000 | $ 112,000 |
| Muskegon-Norton Shores, MI | 1 | $ 119,000 | $ 119,000 | $ 24,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 493,000 | $ 493,000 | $ 222,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 588,000 | $ 588,000 | $ 140,000 |
| Springfield, IL | 1 | $ 12,000 | $ 12,000 | $ 36,000 |
| Stockton, CA | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 116,000 | $ 116,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Baytree Lending in 2005
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 | 2,952 | $407,042,000 | $158,600 | $2,000,000 | $112,750 | $2,850,000 |
| Refinancing | 2,357 | $328,664,000 | $144,590 | $1,512,000 | $82,090 | $880,000 |
| Home Improvement | 87 | $5,319,000 | $67,000 | $340,000 | $126,000 | $360,000 |
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 | 3,687 | $525,836,000 | $165,285 | $2,000,000 | $104,095 | $2,850,000 |
| Hispanic | 714 | $101,417,000 | $134,333 | $863,000 | $72,733 | $420,000 |
| Black or African American | 702 | $72,460,000 | $134,368 | $1,075,000 | $86,578 | $450,000 |
| Not Provided | 131 | $15,698,000 | $134,062 | $485,000 | $79,125 | $269,000 |
| Asian | 127 | $22,348,000 | $151,111 | $1,000,000 | $110,333 | $619,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $2,066,000 | $101,428 | $320,000 | $79,285 | $201,000 |
| American Indian or Alaskan Native | 15 | $1,200,000 | $57,000 | $310,000 | $61,000 | $132,000 |
| 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) | 5,272 | $722,286,000 | $139,720 | $2,000,000 | $89,640 | $2,850,000 |
| FHA-insured (Federal Housing Administration) | 124 | $18,739,000 | $153,166 | $246,000 | $48,666 | $332,000 |
| 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 | 3,560 | $522,882,000 | $156,363 | $2,000,000 | $102,136 | $2,850,000 |
| Application Denied By Financial Institution | 725 | $60,842,000 | $96,764 | $653,000 | $104,117 | $429,000 |
| Application Approved But Not Accepted | 657 | $89,590,000 | $151,631 | $992,000 | $84,210 | $504,000 |
| Application Withdrawn By Applicant | 454 | $67,711,000 | $175,611 | $1,425,000 | $83,500 | $745,000 |
| 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 | 275 | $29,883,000 | $97,882 | $653,000 | $98,352 | $429,000 |
| Unverifiable Information | 155 | $10,935,000 | $93,833 | $388,000 | $68,000 | $410,000 |
| Credit Application Incomplete | 119 | $7,441,000 | $48,600 | $308,000 | $71,800 | $220,000 |
| Collateral | 61 | $3,729,000 | $47,555 | $231,000 | $79,777 | $249,000 |
| Debt-To-Income Ratio | 57 | $4,616,000 | $114,500 | $400,000 | $100,000 | $225,000 |
| Credit History | 37 | $2,718,000 | $121,800 | $288,000 | $74,000 | $140,000 |
| Employment History | 21 | $1,520,000 | $64,000 | $340,000 | $63,000 | $193,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2005 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.
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