Baytree Lending Mortgage Lending & HMDA Data, 2006
In 2006, Baytree Lending of West Allis, WI reported 3,981 mortgage applications totaling $522.3 million, down 26% from 2005. The average application was for $131,187, and applicants reported an average income of $91,993. 62% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,063), Portland-Vancouver-Beaverton, OR-WA (794) and Milwaukee-Waukesha-West Allis, WI (400) (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 | 3,981 |
| Total Mortgage Loan Application Amount | $522,256,000 |
| Average Mortgage Loan Application Amount | $131,187 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $91,993 |
| Highest Applicant Income | $4,749,000 |
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Act (HMDA) records Baytree Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,063 | $ 124,552,000 | $ 117,170 | $ 96,000 |
| Portland-Vancouver-Beaverton, OR-WA | 794 | $ 162,997,000 | $ 205,285 | $ 106,240 |
| Milwaukee-Waukesha-West Allis, WI | 400 | $ 24,275,000 | $ 60,687 | $ 76,000 |
| Boise City-Nampa, ID | 180 | $ 24,523,000 | $ 136,238 | $ 80,000 |
| Salem, OR | 149 | $ 21,763,000 | $ 146,060 | $ 82,000 |
| Bend, OR | 130 | $ 31,559,000 | $ 242,761 | $ 128,000 |
| Lake County-Kenosha County, IL-WI | 123 | $ 10,803,000 | $ 87,829 | $ 86,056 |
| Madison, WI | 75 | $ 4,825,000 | $ 64,333 | $ 78,000 |
| Racine, WI | 43 | $ 2,530,000 | $ 58,837 | $ 71,000 |
| Green Bay, WI | 42 | $ 2,678,000 | $ 63,761 | $ 85,000 |
| Columbus, OH | 34 | $ 5,213,000 | $ 153,323 | $ 108,000 |
| Appleton, WI | 33 | $ 1,550,000 | $ 46,969 | $ 78,000 |
| Cincinnati-Middletown, OH-KY-IN | 31 | $ 2,231,000 | $ 71,967 | $ 102,000 |
| Medford, OR | 27 | $ 6,975,000 | $ 258,333 | $ 87,000 |
| Corvallis, OR | 22 | $ 3,701,000 | $ 168,227 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 5,480,000 | $ 260,952 | $ 113,000 |
| Oshkosh-Neenah, WI | 20 | $ 740,000 | $ 37,000 | $ 70,000 |
| Wausau, WI | 20 | $ 1,029,000 | $ 51,450 | $ 57,000 |
| Fond Du Lac, WI | 19 | $ 908,000 | $ 47,789 | $ 69,000 |
| Gary, IN | 19 | $ 1,824,000 | $ 96,000 | $ 80,000 |
| Indianapolis-Carmel, IN | 19 | $ 1,923,000 | $ 101,210 | $ 94,000 |
| St. Louis, MO-IL | 19 | $ 1,258,000 | $ 66,210 | $ 63,789 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 1,145,000 | $ 67,352 | $ 70,000 |
| Eugene-Springfield, OR | 14 | $ 1,903,000 | $ 135,928 | $ 75,000 |
| Charlotte-Gastonia-Concord, NC-SC | 12 | $ 1,014,000 | $ 84,500 | $ 61,000 |
| Rockford, IL | 12 | $ 536,000 | $ 44,666 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 11 | $ 646,000 | $ 58,727 | $ 47,000 |
| Janesville, WI | 11 | $ 376,000 | $ 34,181 | $ 68,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 1,275,000 | $ 115,909 | $ 89,545 |
| Detroit-Livonia-Dearborn, MI | 10 | $ 514,000 | $ 51,400 | $ 55,000 |
| Fort Wayne, IN | 10 | $ 616,000 | $ 61,600 | $ 51,000 |
| Raleigh-Cary, NC | 10 | $ 490,000 | $ 49,000 | $ 83,000 |
| Sheboygan, WI | 10 | $ 484,000 | $ 48,400 | $ 61,000 |
| Greensboro-High Point, NC | 8 | $ 372,000 | $ 46,500 | $ 67,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,078,000 | $ 134,750 | $ 162,000 |
| Michigan City-La Porte, IN | 8 | $ 896,000 | $ 112,000 | $ 97,000 |
| Kansas City, MO-KS | 7 | $ 395,000 | $ 56,428 | $ 109,000 |
| Tacoma, WA | 6 | $ 1,016,000 | $ 169,333 | $ 53,000 |
| Toledo, OH | 5 | $ 256,000 | $ 51,200 | $ 46,000 |
| Bloomington-Normal, IL | 4 | $ 167,000 | $ 41,750 | $ 91,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 368,000 | $ 92,000 | $ 71,000 |
| San Antonio, TX | 4 | $ 152,000 | $ 38,000 | $ 37,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 873,000 | $ 291,000 | $ 103,000 |
| Orlando-Kissimmee, FL | 3 | $ 1,372,000 | $ 457,333 | $ 479,000 |
| Stockton, CA | 3 | $ 874,000 | $ 291,333 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 525,000 | $ 175,000 | $ 147,000 |
| Canton-Massillon, OH | 2 | $ 175,000 | $ 87,500 | $ 216,000 |
| Champaign-Urbana, IL | 2 | $ 237,000 | $ 118,500 | $ 46,000 |
| Coeur D'Alene, ID | 2 | $ 215,000 | $ 107,500 | $ 55,000 |
| Dayton, OH | 2 | $ 125,000 | $ 62,500 | $ 116,000 |
| Durham, NC | 2 | $ 119,000 | $ 59,500 | $ 113,000 |
| Eau Claire, WI | 2 | $ 182,000 | $ 91,000 | $ 136,000 |
| Kalamazoo-Portage, MI | 2 | $ 197,000 | $ 98,500 | $ 102,000 |
| Lewiston, ID-WA | 2 | $ 211,000 | $ 105,500 | $ 54,000 |
| Longview, WA | 2 | $ 932,000 | $ 466,000 | $ 121,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 115,000 | $ 57,500 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 298,000 | $ 149,000 | $ 112,000 |
| Ocala, FL | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Olympia, WA | 2 | $ 402,000 | $ 201,000 | $ 179,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 283,000 | $ 141,500 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 441,000 | $ 220,500 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 912,000 | $ 456,000 | $ 319,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 303,000 | $ 151,500 | $ 65,000 |
| Wilmington, NC | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Winston-Salem, NC | 2 | $ 134,000 | $ 67,000 | $ 59,000 |
| Ann Arbor, MI | 1 | $ 290,000 | $ 290,000 | $ 120,000 |
| Columbia, MO | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Decatur, IL | 1 | $ 29,000 | $ 29,000 | $ 71,000 |
| Duluth, MN-WI | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Fort Collins-Loveland, CO | 1 | $ 196,000 | $ 196,000 | $ 37,000 |
| Fresno, CA | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Kokomo, IN | 1 | $ 26,000 | $ 26,000 | $ 39,000 |
| Logan, UT-ID | 1 | $ 171,000 | $ 171,000 | $ 70,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Peoria, IL | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Rochester, MN | 1 | $ 51,000 | $ 51,000 | $ 40,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 510,000 | $ 510,000 | $ 90,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 29,000 | $ 29,000 | $ 81,000 |
| Spokane, WA | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Springfield, IL | 1 | $ 43,000 | $ 43,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Baytree Lending 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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,046 | $241,486,000 | $118,000 | $1,000,000 | $87,000 | $987,000 |
| Home Purchase | 1,857 | $276,529,000 | $148,000 | $1,485,000 | $98,000 | $4,749,000 |
| Home Improvement | 78 | $4,241,000 | $54,000 | $480,000 | $80,000 | $252,000 |
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 | 3,007 | $409,964,000 | $136,000 | $1,485,000 | $93,000 | $1,821,000 |
| Hispanic | 399 | $48,969,000 | $122,000 | $975,000 | $72,000 | $780,000 |
| Black or African American | 360 | $33,890,000 | $94,000 | $752,000 | $91,000 | $4,749,000 |
| Not Provided | 93 | $12,944,000 | $139,000 | $1,000,000 | $100,000 | $702,000 |
| Asian | 83 | $12,575,000 | $151,000 | $720,000 | $110,000 | $416,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $2,432,000 | $121,000 | $340,000 | $94,000 | $189,000 |
| American Indian or Alaskan Native | 19 | $1,482,000 | $78,000 | $245,000 | $100,000 | $138,000 |
| 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) | 3,881 | $505,868,000 | $130,000 | $1,485,000 | $93,000 | $4,749,000 |
| FHA-insured (Federal Housing Administration) | 100 | $16,388,000 | $163,000 | $274,000 | $57,000 | $326,000 |
| 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 | 2,470 | $358,477,000 | $145,000 | $1,485,000 | $91,000 | $1,821,000 |
| Application Denied By Financial Institution | 847 | $70,027,000 | $82,000 | $980,000 | $91,000 | $718,000 |
| Application Withdrawn By Applicant | 357 | $46,806,000 | $131,000 | $1,000,000 | $105,000 | $4,749,000 |
| Application Approved But Not Accepted | 307 | $46,946,000 | $152,000 | $760,000 | $87,000 | $780,000 |
| 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 | 417 | $29,868,000 | $71,000 | $815,000 | $88,000 | $360,000 |
| Other | 144 | $16,918,000 | $117,000 | $980,000 | $106,000 | $718,000 |
| Collateral | 104 | $10,928,000 | $105,000 | $888,000 | $109,000 | $450,000 |
| Credit History | 71 | $5,314,000 | $74,000 | $398,000 | $79,000 | $252,000 |
| Debt-To-Income Ratio | 65 | $3,849,000 | $59,000 | $228,000 | $69,000 | $146,000 |
| Employment History | 23 | $1,534,000 | $66,000 | $221,000 | $86,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $1,324,000 | $66,000 | $224,000 | $78,000 | $138,000 |
| Credit Application Incomplete | 3 | $292,000 | $97,000 | $195,000 | $38,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baytree Lending'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 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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