Community Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Community Bank & Trust of Sheboygan, WI reported 800 mortgage applications totaling $102.4 million, down 8% from 2007. The average application was for $127,943, and applicants reported an average income of $81,002. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Sheboygan, WI (532), Milwaukee-Waukesha-West Allis, WI (97) and Appleton, WI (71) (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 | 800 |
| Total Mortgage Loan Application Amount | $102,355,000 |
| Average Mortgage Loan Application Amount | $127,943 |
| Highest Mortgage Loan Application Amount | $1,180,000 |
| Average Applicant Income | $81,002 |
| Highest Applicant Income | $3,500,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 532 | $ 57,539,000 | $ 108,156 | $ 71,000 |
| Calumet, Wisconsin | 64 | $ 8,570,000 | $ 133,906 | $ 66,000 |
| Milwaukee, Wisconsin | 61 | $ 11,542,000 | $ 189,213 | $ 97,000 |
| Manitowoc, Wisconsin | 43 | $ 5,130,000 | $ 119,302 | $ 66,000 |
| Waukesha, Wisconsin | 20 | $ 4,513,000 | $ 225,650 | $ 164,000 |
| Brown, Wisconsin | 10 | $ 1,187,000 | $ 118,700 | $ 74,000 |
| Ozaukee, Wisconsin | 9 | $ 1,653,000 | $ 183,666 | $ 117,000 |
| Outagamie, Wisconsin | 7 | $ 694,000 | $ 99,142 | $ 58,000 |
| Washington, Wisconsin | 7 | $ 2,385,000 | $ 340,714 | $ 74,000 |
| Winnebago, Wisconsin | 7 | $ 898,000 | $ 128,285 | $ 76,000 |
| Door, Wisconsin | 4 | $ 1,073,000 | $ 268,250 | $ 140,000 |
| Fond du Lac, Wisconsin | 4 | $ 593,000 | $ 148,250 | $ 64,000 |
| Price, Wisconsin | 3 | $ 488,000 | $ 162,666 | $ 126,000 |
| Racine, Wisconsin | 3 | $ 1,067,000 | $ 355,666 | $ 336,000 |
| Walworth, Wisconsin | 3 | $ 1,377,000 | $ 459,000 | $ 59,000 |
| Waushara, Wisconsin | 3 | $ 473,000 | $ 157,666 | $ 66,000 |
| Cook, Illinois | 2 | $ 618,000 | $ 309,000 | $ 1,925,000 |
| Dodge, Wisconsin | 2 | $ 465,000 | $ 232,500 | $ 69,000 |
| Jefferson, Wisconsin | 2 | $ 154,000 | $ 77,000 | $ 54,000 |
| Oneida, Wisconsin | 2 | $ 325,000 | $ 162,500 | $ 20,000 |
| St. Johns, Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Dickinson, Michigan | 1 | $ 130,000 | $ 130,000 | $ 224,000 |
| Forest, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Green Lake, Wisconsin | 1 | $ 214,000 | $ 214,000 | $ 193,000 |
| Marinette, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Monroe, Wisconsin | 1 | $ 53,000 | $ 53,000 | $ 79,000 |
| Oconto, Wisconsin | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Shawano, Wisconsin | 1 | $ 164,000 | $ 164,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2008
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 | 420 | $59,306,000 | $141,000 | $1,000,000 | $87,000 | $3,500,000 |
| Home Purchase | 274 | $37,594,000 | $137,000 | $1,180,000 | $78,000 | $800,000 |
| Home Improvement | 106 | $5,455,000 | $51,000 | $400,000 | $65,000 | $168,000 |
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 | 681 | $83,736,000 | $122,000 | $1,000,000 | $74,000 | $379,000 |
| Not Provided | 50 | $7,565,000 | $151,000 | $1,180,000 | $101,000 | $600,000 |
| Not applicable | 23 | $4,142,000 | $180,000 | $850,000 | $0 | $0 |
| Asian | 19 | $1,728,000 | $90,000 | $200,000 | $88,000 | $800,000 |
| Hispanic | 12 | $1,327,000 | $110,000 | $230,000 | $75,000 | $167,000 |
| American Indian or Alaskan Native | 10 | $3,300,000 | $330,000 | $417,000 | $656,000 | $3,500,000 |
| Black or African American | 5 | $557,000 | $111,000 | $264,000 | $72,000 | $130,000 |
| 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) | 787 | $100,675,000 | $127,000 | $1,180,000 | $81,000 | $3,500,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,072,000 | $134,000 | $202,000 | $52,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $337,000 | $112,000 | $137,000 | $45,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 2 | $271,000 | $135,000 | $148,000 | $100,000 | $162,000 |
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 | 666 | $85,976,000 | $129,000 | $1,180,000 | $84,000 | $3,500,000 |
| Application Denied By Financial Institution | 65 | $7,503,000 | $115,000 | $417,000 | $63,000 | $364,000 |
| Application Withdrawn By Applicant | 51 | $6,154,000 | $120,000 | $532,000 | $75,000 | $706,000 |
| Application Approved But Not Accepted | 13 | $2,013,000 | $154,000 | $355,000 | $61,000 | $180,000 |
| Preapproval Denied by Financial Institution | 5 | $709,000 | $141,000 | $187,000 | $36,000 | $48,000 |
| 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 2008 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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