Community Bank Cbd Mortgage Lending & HMDA Data, 2012
In 2012, Community Bank Cbd of Delavan, WI reported 106 mortgage applications totaling $10.6 million, down 37% from 2011. The average application was for $100,330, and applicants reported an average income of $66,962. 51% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Janesville, WI (43), Madison, WI (2) and Lake County-Kenosha County, IL-WI (1) (applications in parentheses).
| Mortgage Company & Address | Community Bank Cbd 820 E Geneva St, Po Box 648 Delavan, WI 53115 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 106 |
| Total Mortgage Loan Application Amount | $10,635,000 |
| Average Mortgage Loan Application Amount | $100,330 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $66,962 |
| Highest Applicant Income | $1,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank Cbd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Community Bank Cbd in 2012
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 | 52 | $5,043,000 | $96,000 | $825,000 | $72,000 | $1,600,000 |
| Refinancing | 48 | $5,396,000 | $112,000 | $708,000 | $67,000 | $343,000 |
| Home Improvement | 6 | $196,000 | $32,000 | $65,000 | $23,000 | $106,000 |
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 | 77 | $7,966,000 | $103,000 | $825,000 | $86,000 | $1,600,000 |
| Not applicable | 18 | $1,447,000 | $80,000 | $708,000 | $0 | $0 |
| Hispanic | 9 | $814,000 | $90,000 | $170,000 | $43,000 | $67,000 |
| American Indian or Alaskan Native | 1 | $313,000 | $313,000 | $313,000 | $66,000 | $66,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 105 | $10,503,000 | $100,000 | $825,000 | $67,000 | $1,600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $132,000 | $132,000 | $132,000 | $85,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 54 | $4,009,000 | $74,000 | $708,000 | $48,000 | $343,000 |
| Application Denied By Financial Institution | 19 | $2,413,000 | $127,000 | $825,000 | $134,000 | $1,600,000 |
| Preapproval Denied by Financial Institution | 11 | $1,193,000 | $108,000 | $155,000 | $48,000 | $82,000 |
| Application Withdrawn By Applicant | 9 | $1,566,000 | $174,000 | $405,000 | $75,000 | $133,000 |
| Preapproval Approved but not Accepted | 7 | $636,000 | $90,000 | $144,000 | $44,000 | $73,000 |
| Application Approved But Not Accepted | 3 | $148,000 | $49,000 | $107,000 | $50,000 | $70,000 |
| File Closed For Incompleteness | 3 | $670,000 | $223,000 | $372,000 | $91,000 | $135,000 |
| Loan Purchased By The 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 | 15 | $2,267,000 | $151,000 | $825,000 | $155,000 | $1,600,000 |
| Debt-To-Income Ratio | 11 | $910,000 | $82,000 | $170,000 | $44,000 | $106,000 |
| Other | 2 | $255,000 | $127,000 | $132,000 | $70,000 | $85,000 |
| Collateral | 1 | $100,000 | $100,000 | $100,000 | $71,000 | $71,000 |
| Employment History | 1 | $74,000 | $74,000 | $74,000 | $49,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Bank Cbd's 2012 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 Community Bank Cbd'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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