Community Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Community Bank & Trust of Sheboygan, WI reported 872 mortgage applications totaling $96.2 million, down 32% from 2003. The average application was for $110,272, and applicants reported an average income of $54,895. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Sheboygan, WI (593), Appleton, WI (115) and Milwaukee-Waukesha-West Allis, WI (40) (applications in parentheses).
| Mortgage Company & Address | Community Bank & Trust 604 N. 8th Street Sheboygan, WI 53081 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 | 872 |
| Total Mortgage Loan Application Amount | $96,158,000 |
| Average Mortgage Loan Application Amount | $110,272 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $54,895 |
| Highest Applicant Income | $480,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sheboygan, Wisconsin | 593 | $ 59,250,000 | $ 99,915 | $ 47,000 |
| Calumet, Wisconsin | 103 | $ 11,588,000 | $ 112,504 | $ 44,000 |
| Manitowoc, Wisconsin | 62 | $ 7,092,000 | $ 114,387 | $ 57,000 |
| Milwaukee, Wisconsin | 24 | $ 3,924,000 | $ 163,500 | $ 68,000 |
| Fond du Lac, Wisconsin | 12 | $ 1,345,000 | $ 112,083 | $ 43,000 |
| Outagamie, Wisconsin | 12 | $ 1,124,000 | $ 93,666 | $ 67,000 |
| Winnebago, Wisconsin | 10 | $ 1,136,000 | $ 113,600 | $ 55,000 |
| Waukesha, Wisconsin | 8 | $ 2,234,000 | $ 279,250 | $ 56,000 |
| Ozaukee, Wisconsin | 6 | $ 1,153,000 | $ 192,166 | $ 89,000 |
| Oneida, Wisconsin | 3 | $ 349,000 | $ 116,333 | $ 105,000 |
| Marinette, Wisconsin | 2 | $ 192,000 | $ 96,000 | $ 60,000 |
| Walworth, Wisconsin | 2 | $ 2,653,000 | $ 1,326,500 | $ 196,000 |
| Washington, Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Waupaca, Wisconsin | 2 | $ 505,000 | $ 252,500 | $ 35,000 |
| New York, New York | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Brown, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Door, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Marquette, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Portage, Wisconsin | 1 | $ 54,000 | $ 54,000 | $ 75,000 |
| Shawano, Wisconsin | 1 | $ 89,000 | $ 89,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2004
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 | 498 | $58,460,000 | $117,000 | $2,500,000 | $57,000 | $480,000 |
| Home Purchase | 326 | $36,279,000 | $239,666 | $930,000 | $32,333 | $259,000 |
| Home Improvement | 48 | $1,419,000 | $16,000 | $191,000 | $40,000 | $137,000 |
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 | 768 | $82,926,000 | $99,000 | $2,500,000 | $53,500 | $480,000 |
| Not Provided | 31 | $2,972,000 | $111,000 | $293,000 | $46,000 | $154,000 |
| Not applicable | 26 | $5,267,000 | $202,000 | $835,000 | $0 | $0 |
| Hispanic | 24 | $1,793,000 | $65,000 | $140,000 | $51,500 | $185,000 |
| Asian | 20 | $2,881,000 | $318,000 | $930,000 | $28,500 | $150,000 |
| Black or African American | 3 | $319,000 | $106,000 | $170,000 | $54,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 872 | $96,158,000 | $238,000 | $2,500,000 | $32,333 | $480,000 |
| 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 | 758 | $83,255,000 | $207,666 | $930,000 | $31,333 | $480,000 |
| Application Withdrawn By Applicant | 60 | $6,273,000 | $106,500 | $293,000 | $48,500 | $120,000 |
| Application Denied By Financial Institution | 39 | $5,391,000 | $138,000 | $2,500,000 | $60,000 | $305,000 |
| Preapproval Denied by Financial Institution | 10 | $800,000 | $80,000 | $123,000 | $36,000 | $62,000 |
| Preapproval Approved but not Accepted | 2 | $195,000 | $97,000 | $115,000 | $46,000 | $47,000 |
| File Closed For Incompleteness | 2 | $204,000 | $102,000 | $111,000 | $62,000 | $84,000 |
| Application Approved But Not Accepted | 1 | $40,000 | $40,000 | $40,000 | $38,000 | $38,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 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 & Trust's 2004 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 & Trust'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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