Community Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Community Bank & Trust of Sheboygan, WI reported 962 mortgage applications totaling $111.9 million, up 10% from 2004. The average application was for $116,334, and applicants reported an average income of $73,835. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Sheboygan, WI (649), Appleton, WI (123) and Milwaukee-Waukesha-West Allis, WI (66) (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 | 962 |
| Total Mortgage Loan Application Amount | $111,914,000 |
| Average Mortgage Loan Application Amount | $116,334 |
| Highest Mortgage Loan Application Amount | $1,751,000 |
| Average Applicant Income | $73,835 |
| Highest Applicant Income | $1,315,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 649 | $ 64,257,000 | $ 99,009 | $ 57,000 |
| Appleton, WI | 123 | $ 14,247,000 | $ 115,829 | $ 51,000 |
| Milwaukee-Waukesha-West Allis, WI | 66 | $ 17,781,000 | $ 269,409 | $ 109,000 |
| Fond Du Lac, WI | 19 | $ 2,177,000 | $ 114,578 | $ 58,000 |
| Oshkosh-Neenah, WI | 13 | $ 2,723,000 | $ 209,461 | $ 86,000 |
| Green Bay, WI | 8 | $ 786,000 | $ 98,250 | $ 91,000 |
| Madison, WI | 3 | $ 611,000 | $ 203,666 | $ 181,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Racine, WI | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2005
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 | 507 | $62,317,000 | $122,000 | $950,000 | $66,000 | $1,315,000 |
| Home Purchase | 398 | $46,055,000 | $313,000 | $1,435,000 | $41,500 | $868,000 |
| Home Improvement | 57 | $3,542,000 | $62,000 | $1,751,000 | $81,000 | $390,000 |
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 | 826 | $88,551,000 | $107,000 | $1,318,000 | $78,000 | $1,315,000 |
| Not Provided | 53 | $7,845,000 | $148,000 | $600,000 | $112,000 | $868,000 |
| Not applicable | 30 | $8,840,000 | $294,000 | $1,751,000 | $0 | $0 |
| Asian | 24 | $3,407,000 | $318,500 | $512,000 | $44,500 | $484,000 |
| Hispanic | 23 | $2,168,000 | $94,000 | $276,000 | $43,000 | $102,000 |
| Black or African American | 3 | $656,000 | $218,000 | $296,000 | $85,000 | $113,000 |
| American Indian or Alaskan Native | 2 | $305,000 | $152,000 | $210,000 | $75,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $142,000 | $142,000 | $142,000 | $83,000 | $83,000 |
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) | 962 | $111,914,000 | $313,500 | $1,751,000 | $37,500 | $1,315,000 |
| 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 | 851 | $98,115,000 | $313,000 | $1,751,000 | $42,000 | $1,315,000 |
| Application Denied By Financial Institution | 64 | $7,084,000 | $110,000 | $296,000 | $45,000 | $127,000 |
| Application Withdrawn By Applicant | 34 | $4,460,000 | $131,000 | $381,000 | $53,000 | $164,000 |
| Application Approved But Not Accepted | 11 | $1,953,000 | $177,000 | $500,000 | $66,000 | $118,000 |
| Preapproval Approved but not Accepted | 2 | $302,000 | $151,000 | $190,000 | $38,000 | $41,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2005 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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