Community Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Community Bank & Trust of Sheboygan, WI reported 687 mortgage applications totaling $94.5 million, down 29% from 2010. The average application was for $137,608, and applicants reported an average income of $85,445. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Sheboygan, WI (458), Appleton, WI (113) and Milwaukee-Waukesha-West Allis, WI (44) (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 | 687 |
| Total Mortgage Loan Application Amount | $94,537,000 |
| Average Mortgage Loan Application Amount | $137,608 |
| Highest Mortgage Loan Application Amount | $2,514,000 |
| Average Applicant Income | $85,445 |
| Highest Applicant Income | $2,976,000 |
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(HMDA) records Community Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 458 | $ 59,426,000 | $ 129,751 | $ 87,000 |
| Appleton, WI | 113 | $ 15,451,000 | $ 136,734 | $ 71,000 |
| Milwaukee-Waukesha-West Allis, WI | 44 | $ 9,678,000 | $ 219,954 | $ 102,000 |
| Green Bay, WI | 9 | $ 1,195,000 | $ 132,777 | $ 86,000 |
| Oshkosh-Neenah, WI | 8 | $ 1,068,000 | $ 133,500 | $ 76,000 |
| Fond Du Lac, WI | 4 | $ 358,000 | $ 89,500 | $ 55,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 210,000 | $ 210,000 | $ 167,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 347,000 | $ 347,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Community Bank & Trust in 2011
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 | 480 | $70,699,000 | $147,000 | $1,776,000 | $83,000 | $1,181,000 |
| Home Purchase | 149 | $18,967,000 | $127,000 | $2,514,000 | $97,000 | $2,976,000 |
| Home Improvement | 58 | $4,871,000 | $83,000 | $417,000 | $76,000 | $245,000 |
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 | 591 | $75,524,000 | $127,000 | $951,000 | $87,000 | $2,976,000 |
| Not Provided | 52 | $7,935,000 | $152,000 | $417,000 | $99,000 | $383,000 |
| Asian | 17 | $1,507,000 | $88,000 | $188,000 | $75,000 | $138,000 |
| Not applicable | 15 | $8,066,000 | $537,000 | $2,514,000 | $0 | $0 |
| Hispanic | 10 | $1,427,000 | $142,000 | $369,000 | $84,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $72,000 | $72,000 | $72,000 | $21,000 | $21,000 |
| American Indian or Alaskan Native | 1 | $6,000 | $6,000 | $6,000 | $46,000 | $46,000 |
| 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) | 655 | $90,773,000 | $138,000 | $2,514,000 | $88,000 | $2,976,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,548,000 | $115,000 | $205,000 | $46,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,072,000 | $134,000 | $235,000 | $44,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 2 | $144,000 | $72,000 | $94,000 | $53,000 | $71,000 |
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 | 510 | $71,333,000 | $139,000 | $2,514,000 | $90,000 | $2,976,000 |
| Application Denied By Financial Institution | 100 | $12,307,000 | $123,000 | $640,000 | $61,000 | $189,000 |
| Application Withdrawn By Applicant | 69 | $10,151,000 | $147,000 | $600,000 | $97,000 | $1,106,000 |
| Application Approved But Not Accepted | 6 | $541,000 | $90,000 | $169,000 | $58,000 | $134,000 |
| Preapproval Denied by Financial Institution | 1 | $84,000 | $84,000 | $84,000 | $42,000 | $42,000 |
| File Closed For Incompleteness | 1 | $121,000 | $121,000 | $121,000 | $56,000 | $56,000 |
| 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 2011 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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