Community Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Community Bank & Trust of Sheboygan, WI reported 354 mortgage applications totaling $44.6 million, down 36% from 2013. The average application was for $126,011, and applicants reported an average income of $80,248. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Sheboygan, WI (238), Appleton, WI (34) and Milwaukee-Waukesha-West Allis, WI (33) (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 | 354 |
| Total Mortgage Loan Application Amount | $44,608,000 |
| Average Mortgage Loan Application Amount | $126,011 |
| Highest Mortgage Loan Application Amount | $1,276,000 |
| Average Applicant Income | $80,248 |
| Highest Applicant Income | $1,206,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sheboygan, WI | 238 | $ 27,625,000 | $ 116,071 | $ 70,000 |
| Appleton, WI | 34 | $ 3,913,000 | $ 115,088 | $ 64,000 |
| Milwaukee-Waukesha-West Allis, WI | 33 | $ 5,655,000 | $ 171,363 | $ 114,000 |
| Fond Du Lac, WI | 5 | $ 362,000 | $ 72,400 | $ 78,000 |
| Green Bay, WI | 5 | $ 616,000 | $ 123,200 | $ 166,000 |
| Oshkosh-Neenah, WI | 2 | $ 178,000 | $ 89,000 | $ 61,000 |
| Madison, WI | 1 | $ 198,000 | $ 198,000 | $ 37,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 100,000 | $ 100,000 | $ 173,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2014
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 | 177 | $24,990,000 | $141,000 | $1,276,000 | $91,000 | $1,206,000 |
| Home Purchase | 146 | $18,144,000 | $124,000 | $616,000 | $73,000 | $486,000 |
| Home Improvement | 31 | $1,474,000 | $47,000 | $192,000 | $53,000 | $257,000 |
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 | 262 | $32,189,000 | $122,000 | $1,276,000 | $88,000 | $1,206,000 |
| Not applicable | 42 | $6,962,000 | $165,000 | $750,000 | $11,000 | $467,000 |
| Not Provided | 34 | $3,421,000 | $100,000 | $600,000 | $108,000 | $413,000 |
| Asian | 10 | $983,000 | $98,000 | $300,000 | $86,000 | $325,000 |
| Hispanic | 4 | $295,000 | $73,000 | $128,000 | $38,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $758,000 | $379,000 | $685,000 | $119,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 352 | $44,394,000 | $126,000 | $1,276,000 | $81,000 | $1,206,000 |
| FHA-insured (Federal Housing Administration) | 2 | $214,000 | $107,000 | $149,000 | $27,000 | $31,000 |
| 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 | 284 | $37,112,000 | $130,000 | $1,276,000 | $86,000 | $1,206,000 |
| Application Withdrawn By Applicant | 39 | $4,300,000 | $110,000 | $410,000 | $66,000 | $169,000 |
| Application Denied By Financial Institution | 25 | $2,275,000 | $91,000 | $322,000 | $47,000 | $175,000 |
| Application Approved But Not Accepted | 5 | $761,000 | $152,000 | $281,000 | $21,000 | $73,000 |
| Preapproval Denied by Financial Institution | 1 | $160,000 | $160,000 | $160,000 | $85,000 | $85,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2014 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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