Community Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Community Bank & Trust of Sheboygan, WI reported 930 mortgage applications totaling $136.2 million, up 16% from 2008. The average application was for $146,410, and applicants reported an average income of $76,233. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Sheboygan, WI (643), Appleton, WI (120) and Milwaukee-Waukesha-West Allis, WI (54) (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 | 930 |
| Total Mortgage Loan Application Amount | $136,162,000 |
| Average Mortgage Loan Application Amount | $146,410 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $76,233 |
| Highest Applicant Income | $1,061,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 643 | $ 84,778,000 | $ 131,847 | $ 75,000 |
| Appleton, WI | 120 | $ 17,732,000 | $ 147,766 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 54 | $ 11,280,000 | $ 208,888 | $ 111,000 |
| Green Bay, WI | 11 | $ 2,121,000 | $ 192,818 | $ 147,000 |
| Fond Du Lac, WI | 10 | $ 1,448,000 | $ 144,800 | $ 72,000 |
| Oshkosh-Neenah, WI | 9 | $ 5,579,000 | $ 619,888 | $ 35,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 350,000 | $ 175,000 | $ 267,000 |
| Madison, WI | 2 | $ 521,000 | $ 260,500 | $ 89,000 |
| Racine, WI | 1 | $ 93,000 | $ 93,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2009
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 | 695 | $109,861,000 | $158,000 | $5,000,000 | $78,000 | $805,000 |
| Home Purchase | 166 | $22,050,000 | $132,000 | $1,218,000 | $76,000 | $1,061,000 |
| Home Improvement | 69 | $4,251,000 | $61,000 | $250,000 | $59,000 | $134,000 |
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 | 841 | $112,916,000 | $134,000 | $1,218,000 | $79,000 | $1,061,000 |
| Not Provided | 34 | $5,143,000 | $151,000 | $371,000 | $98,000 | $805,000 |
| Not applicable | 23 | $14,619,000 | $635,000 | $5,000,000 | $0 | $0 |
| Asian | 18 | $1,472,000 | $81,000 | $146,000 | $46,000 | $79,000 |
| Hispanic | 9 | $1,224,000 | $136,000 | $230,000 | $69,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $406,000 | $203,000 | $304,000 | $60,000 | $92,000 |
| American Indian or Alaskan Native | 2 | $338,000 | $169,000 | $223,000 | $86,000 | $109,000 |
| Black or African American | 1 | $44,000 | $44,000 | $44,000 | $26,000 | $26,000 |
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) | 888 | $131,371,000 | $147,000 | $5,000,000 | $78,000 | $1,061,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,107,000 | $119,000 | $190,000 | $52,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,684,000 | $105,000 | $168,000 | $40,000 | $77,000 |
| 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 | 748 | $111,570,000 | $149,000 | $5,000,000 | $77,000 | $1,061,000 |
| Application Withdrawn By Applicant | 95 | $12,089,000 | $127,000 | $1,218,000 | $74,000 | $450,000 |
| Application Denied By Financial Institution | 75 | $10,933,000 | $145,000 | $745,000 | $78,000 | $1,026,000 |
| Application Approved But Not Accepted | 12 | $1,570,000 | $130,000 | $268,000 | $80,000 | $188,000 |
| 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 |
| Preapproval Denied by Financial 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 2009 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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