Community Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Community Bank & Trust of Sheboygan, WI reported 865 mortgage applications totaling $104.6 million, down 9% from 2006. The average application was for $120,882, and applicants reported an average income of $71,921. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Sheboygan, WI (581), Milwaukee-Waukesha-West Allis, WI (95) and Appleton, WI (91) (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 | 865 |
| Total Mortgage Loan Application Amount | $104,563,000 |
| Average Mortgage Loan Application Amount | $120,882 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $71,921 |
| Highest Applicant Income | $1,257,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 581 | $ 61,557,000 | $ 105,950 | $ 72,000 |
| Calumet, Wisconsin | 76 | $ 8,624,000 | $ 113,473 | $ 72,000 |
| Milwaukee, Wisconsin | 55 | $ 9,776,000 | $ 177,745 | $ 77,000 |
| Manitowoc, Wisconsin | 44 | $ 5,008,000 | $ 113,818 | $ 64,000 |
| Ozaukee, Wisconsin | 19 | $ 5,270,000 | $ 277,368 | $ 74,000 |
| Waukesha, Wisconsin | 16 | $ 4,306,000 | $ 269,125 | $ 74,000 |
| Outagamie, Wisconsin | 15 | $ 1,328,000 | $ 88,533 | $ 30,000 |
| Fond du Lac, Wisconsin | 7 | $ 949,000 | $ 135,571 | $ 36,000 |
| Winnebago, Wisconsin | 7 | $ 682,000 | $ 97,428 | $ 93,000 |
| Brown, Wisconsin | 5 | $ 623,000 | $ 124,600 | $ 113,000 |
| Racine, Wisconsin | 5 | $ 951,000 | $ 190,200 | $ 206,000 |
| Walworth, Wisconsin | 5 | $ 520,000 | $ 104,000 | $ 54,000 |
| Washington, Wisconsin | 5 | $ 721,000 | $ 144,200 | $ 60,000 |
| Shawano, Wisconsin | 3 | $ 499,000 | $ 166,333 | $ 30,000 |
| Berkeley, South Carolina | 2 | $ 990,000 | $ 495,000 | $ 0 |
| Price, Wisconsin | 2 | $ 335,000 | $ 167,500 | $ 0 |
| Gallatin, Montana | 1 | $ 775,000 | $ 775,000 | $ 1,257,000 |
| Clark, Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 144,000 |
| Dane, Wisconsin | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Forest, Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Jackson, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Jefferson, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Lincoln, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Marinette, Wisconsin | 1 | $ 40,000 | $ 40,000 | $ 38,000 |
| Portage, Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
| Vilas, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Waupaca, Wisconsin | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Waushara, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2007
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 | 406 | $51,639,000 | $127,000 | $775,000 | $69,000 | $1,257,000 |
| Refinancing | 344 | $46,045,000 | $133,000 | $1,500,000 | $72,000 | $773,000 |
| Home Improvement | 115 | $6,879,000 | $59,000 | $797,000 | $82,000 | $470,000 |
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 | 729 | $82,645,000 | $113,000 | $797,000 | $76,000 | $1,257,000 |
| Not Provided | 45 | $6,866,000 | $152,000 | $417,000 | $85,000 | $456,000 |
| Not applicable | 43 | $10,191,000 | $237,000 | $1,500,000 | $0 | $0 |
| Hispanic | 20 | $1,569,000 | $78,000 | $154,000 | $64,000 | $200,000 |
| Asian | 16 | $1,590,000 | $99,000 | $367,000 | $50,000 | $73,000 |
| Black or African American | 7 | $844,000 | $120,000 | $350,000 | $49,000 | $153,000 |
| American Indian or Alaskan Native | 5 | $858,000 | $171,000 | $417,000 | $221,000 | $773,000 |
| 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) | 865 | $104,563,000 | $120,000 | $1,500,000 | $72,000 | $1,257,000 |
| 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 | 725 | $85,941,000 | $118,000 | $1,140,000 | $74,000 | $1,257,000 |
| Application Denied By Financial Institution | 68 | $9,919,000 | $145,000 | $1,500,000 | $58,000 | $300,000 |
| Application Withdrawn By Applicant | 50 | $6,109,000 | $122,000 | $552,000 | $70,000 | $200,000 |
| Application Approved But Not Accepted | 15 | $1,851,000 | $123,000 | $350,000 | $60,000 | $143,000 |
| Preapproval Denied by Financial Institution | 5 | $418,000 | $83,000 | $111,000 | $43,000 | $64,000 |
| File Closed For Incompleteness | 2 | $325,000 | $162,000 | $206,000 | $103,000 | $154,000 |
| 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 2007 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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