Community Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Community Bank & Trust of Sheboygan, WI reported 952 mortgage applications totaling $108.9 million, down 1% from 2005. The average application was for $114,396, and applicants reported an average income of $66,071. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Sheboygan, WI (636), Appleton, WI (114) and Milwaukee-Waukesha-West Allis, WI (99) (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 | 952 |
| Total Mortgage Loan Application Amount | $108,905,000 |
| Average Mortgage Loan Application Amount | $114,396 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $66,071 |
| Highest Applicant Income | $529,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 636 | $ 65,520,000 | $ 103,018 | $ 65,000 |
| Calumet, Wisconsin | 101 | $ 10,391,000 | $ 102,881 | $ 60,000 |
| Milwaukee, Wisconsin | 73 | $ 13,184,000 | $ 180,602 | $ 71,000 |
| Manitowoc, Wisconsin | 48 | $ 4,653,000 | $ 96,937 | $ 59,000 |
| Outagamie, Wisconsin | 13 | $ 1,308,000 | $ 100,615 | $ 30,000 |
| Waukesha, Wisconsin | 13 | $ 3,837,000 | $ 295,153 | $ 216,000 |
| Winnebago, Wisconsin | 12 | $ 1,288,000 | $ 107,333 | $ 44,000 |
| Fond du Lac, Wisconsin | 8 | $ 460,000 | $ 57,500 | $ 73,000 |
| Ozaukee, Wisconsin | 7 | $ 1,187,000 | $ 169,571 | $ 68,000 |
| Marinette, Wisconsin | 6 | $ 489,000 | $ 81,500 | $ 116,000 |
| Washington, Wisconsin | 6 | $ 2,293,000 | $ 382,166 | $ 39,000 |
| Forest, Wisconsin | 3 | $ 180,000 | $ 60,000 | $ 75,000 |
| Brown, Wisconsin | 2 | $ 391,000 | $ 195,500 | $ 53,000 |
| Dane, Wisconsin | 2 | $ 375,000 | $ 187,500 | $ 36,000 |
| Menominee, Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 233,000 |
| Shawano, Wisconsin | 2 | $ 336,000 | $ 168,000 | $ 109,000 |
| Vilas, Wisconsin | 2 | $ 58,000 | $ 29,000 | $ 65,000 |
| Oakland, Michigan | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Crawford, Wisconsin | 1 | $ 163,000 | $ 163,000 | $ 47,000 |
| Dodge, Wisconsin | 1 | $ 216,000 | $ 216,000 | $ 61,000 |
| Door, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 92,000 |
| Florence, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Iron, Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| Oconto, Wisconsin | 1 | $ 63,000 | $ 63,000 | $ 68,000 |
| Oneida, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Walworth, Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Waupaca, Wisconsin | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Waushara, Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Wood, Wisconsin | 1 | $ 88,000 | $ 88,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust 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 | 442 | $57,309,000 | $129,000 | $1,650,000 | $70,000 | $515,000 |
| Home Purchase | 425 | $47,461,000 | $111,000 | $960,000 | $64,000 | $529,000 |
| Home Improvement | 85 | $4,135,000 | $48,000 | $1,072,000 | $56,000 | $275,000 |
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 | 795 | $84,847,000 | $106,000 | $680,000 | $68,000 | $486,000 |
| Not Provided | 55 | $6,973,000 | $126,000 | $417,000 | $62,000 | $164,000 |
| Not applicable | 35 | $9,065,000 | $259,000 | $1,650,000 | $0 | $0 |
| Hispanic | 31 | $2,752,000 | $88,000 | $320,000 | $55,000 | $100,000 |
| Asian | 28 | $3,832,000 | $136,000 | $960,000 | $107,000 | $529,000 |
| Black or African American | 4 | $250,000 | $62,000 | $112,000 | $76,000 | $84,000 |
| American Indian or Alaskan Native | 4 | $1,186,000 | $296,000 | $800,000 | $184,000 | $515,000 |
| 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) | 952 | $108,905,000 | $114,000 | $1,650,000 | $66,000 | $529,000 |
| 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 | 740 | $83,557,000 | $112,000 | $1,650,000 | $69,000 | $515,000 |
| Application Withdrawn By Applicant | 104 | $12,528,000 | $120,000 | $960,000 | $68,000 | $529,000 |
| Application Denied By Financial Institution | 103 | $12,094,000 | $117,000 | $620,000 | $47,000 | $136,000 |
| Preapproval Denied by Financial Institution | 3 | $307,000 | $102,000 | $127,000 | $44,000 | $72,000 |
| Application Approved But Not Accepted | 2 | $419,000 | $209,000 | $300,000 | $66,000 | $72,000 |
| 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 |
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 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 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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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