F&M Bank- Wisconsin Mortgage Lending & HMDA Data, 2004
In 2004, F&M Bank- Wisconsin of Green Bay, WI reported 3,120 mortgage applications totaling $322.8 million, down 34% from 2003. The average application was for $103,447, and applicants reported an average income of $66,091. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Green Bay, WI (654), Appleton, WI (342) and Oshkosh-Neenah, WI (183) (applications in parentheses).
| Mortgage Company & Address | F&M Bank- Wisconsin 1601 S Webster Ave Green Bay, WI 54301 |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,120 |
| Total Mortgage Loan Application Amount | $322,757,000 |
| Average Mortgage Loan Application Amount | $103,447 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $66,091 |
| Highest Applicant Income | $1,342,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F&M Bank- Wisconsin filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Brown, Wisconsin | 325 | $ 38,590,000 | $ 118,738 | $ 66,000 |
| Oconto, Wisconsin | 263 | $ 23,471,000 | $ 89,243 | $ 52,000 |
| Outagamie, Wisconsin | 240 | $ 26,990,000 | $ 112,458 | $ 110,000 |
| Portage, Wisconsin | 230 | $ 19,969,000 | $ 86,821 | $ 65,000 |
| Winnebago, Wisconsin | 183 | $ 23,806,000 | $ 130,087 | $ 71,000 |
| Waushara, Wisconsin | 145 | $ 9,548,000 | $ 65,848 | $ 54,000 |
| Oneida, Wisconsin | 138 | $ 17,430,000 | $ 126,304 | $ 67,000 |
| Vilas, Wisconsin | 115 | $ 13,730,000 | $ 119,391 | $ 67,000 |
| Walworth, Wisconsin | 103 | $ 10,603,000 | $ 102,941 | $ 76,000 |
| Calumet, Wisconsin | 102 | $ 10,757,000 | $ 105,460 | $ 60,000 |
| Grant, Wisconsin | 90 | $ 5,641,000 | $ 62,677 | $ 52,000 |
| Marinette, Wisconsin | 86 | $ 5,590,000 | $ 65,000 | $ 40,000 |
| Door, Wisconsin | 83 | $ 9,958,000 | $ 119,975 | $ 61,000 |
| Waupaca, Wisconsin | 80 | $ 7,207,000 | $ 90,087 | $ 60,000 |
| Kewaunee, Wisconsin | 66 | $ 4,684,000 | $ 70,969 | $ 39,000 |
| Milwaukee, Wisconsin | 61 | $ 7,972,000 | $ 130,688 | $ 63,000 |
| Lincoln, Wisconsin | 60 | $ 5,608,000 | $ 93,466 | $ 64,000 |
| Waukesha, Wisconsin | 51 | $ 10,515,000 | $ 206,176 | $ 84,000 |
| Jefferson, Wisconsin | 46 | $ 4,991,000 | $ 108,500 | $ 64,000 |
| Crawford, Wisconsin | 44 | $ 1,655,000 | $ 37,613 | $ 40,000 |
| Douglas, Wisconsin | 44 | $ 1,995,000 | $ 45,340 | $ 53,000 |
| Shawano, Wisconsin | 44 | $ 4,607,000 | $ 104,704 | $ 59,000 |
| Green, Wisconsin | 37 | $ 1,983,000 | $ 53,594 | $ 49,000 |
| Washington, Wisconsin | 36 | $ 7,696,000 | $ 213,777 | $ 65,000 |
| Lafayette, Wisconsin | 32 | $ 2,020,000 | $ 63,125 | $ 56,000 |
| St. Croix, Wisconsin | 32 | $ 5,131,000 | $ 160,343 | $ 156,000 |
| Manitowoc, Wisconsin | 31 | $ 2,988,000 | $ 96,387 | $ 49,000 |
| Langlade, Wisconsin | 30 | $ 1,942,000 | $ 64,733 | $ 57,000 |
| Marathon, Wisconsin | 24 | $ 2,515,000 | $ 104,791 | $ 69,000 |
| Polk, Wisconsin | 19 | $ 1,692,000 | $ 89,052 | $ 52,000 |
| Rock, Wisconsin | 19 | $ 1,220,000 | $ 64,210 | $ 54,000 |
| Fond du Lac, Wisconsin | 18 | $ 2,605,000 | $ 144,722 | $ 78,000 |
| Menominee, Michigan | 17 | $ 993,000 | $ 58,411 | $ 42,000 |
| Forest, Wisconsin | 15 | $ 1,232,000 | $ 82,133 | $ 81,000 |
| Iron, Wisconsin | 14 | $ 1,951,000 | $ 139,357 | $ 61,000 |
| Marquette, Wisconsin | 14 | $ 1,202,000 | $ 85,857 | $ 55,000 |
| Racine, Wisconsin | 14 | $ 2,316,000 | $ 165,428 | $ 75,000 |
| Dane, Wisconsin | 11 | $ 1,358,000 | $ 123,454 | $ 71,000 |
| Iowa, Wisconsin | 11 | $ 736,000 | $ 66,909 | $ 37,000 |
| Clayton, Iowa | 9 | $ 303,000 | $ 33,666 | $ 38,000 |
| Adams, Wisconsin | 8 | $ 1,285,000 | $ 160,625 | $ 94,000 |
| Dubuque, Iowa | 7 | $ 518,000 | $ 74,000 | $ 51,000 |
| Allamakee, Iowa | 6 | $ 400,000 | $ 66,666 | $ 55,000 |
| Pierce, Wisconsin | 5 | $ 599,000 | $ 119,800 | $ 48,000 |
| Wood, Wisconsin | 5 | $ 562,000 | $ 112,400 | $ 69,000 |
| Juneau, Wisconsin | 4 | $ 362,000 | $ 90,500 | $ 67,000 |
| Kenosha, Wisconsin | 4 | $ 896,000 | $ 224,000 | $ 98,000 |
| Price, Wisconsin | 4 | $ 239,000 | $ 59,750 | $ 91,000 |
| Jo Daviess, Illinois | 3 | $ 283,000 | $ 94,333 | $ 66,000 |
| La Crosse, Wisconsin | 3 | $ 1,099,000 | $ 366,333 | $ 169,000 |
| Lake, Indiana | 2 | $ 112,000 | $ 56,000 | $ 44,000 |
| Henry, Iowa | 2 | $ 164,000 | $ 82,000 | $ 49,000 |
| Houghton, Michigan | 2 | $ 70,000 | $ 35,000 | $ 30,000 |
| Ramsey, Minnesota | 2 | $ 119,000 | $ 59,500 | $ 51,000 |
| Barron, Wisconsin | 2 | $ 536,000 | $ 268,000 | $ 62,000 |
| Bayfield, Wisconsin | 2 | $ 68,000 | $ 34,000 | $ 42,000 |
| Dodge, Wisconsin | 2 | $ 281,000 | $ 140,500 | $ 75,000 |
| Menominee, Wisconsin | 2 | $ 387,000 | $ 193,500 | $ 171,000 |
| Ozaukee, Wisconsin | 2 | $ 595,000 | $ 297,500 | $ 444,000 |
| Richland, Wisconsin | 2 | $ 422,000 | $ 211,000 | $ 80,000 |
| Sheboygan, Wisconsin | 2 | $ 402,000 | $ 201,000 | $ 59,000 |
| Walton, Florida | 1 | $ 318,000 | $ 318,000 | $ 70,000 |
| Hawaii, Hawaii | 1 | $ 1,000,000 | $ 1,000,000 | $ 741,000 |
| Bureau, Illinois | 1 | $ 88,000 | $ 88,000 | $ 64,000 |
| Cook, Illinois | 1 | $ 430,000 | $ 430,000 | $ 946,000 |
| Lake, Illinois | 1 | $ 334,000 | $ 334,000 | $ 72,000 |
| Stephenson, Illinois | 1 | $ 3,000 | $ 3,000 | $ 56,000 |
| Will, Illinois | 1 | $ 134,000 | $ 134,000 | $ 54,000 |
| Black Hawk, Iowa | 1 | $ 114,000 | $ 114,000 | $ 54,000 |
| Delaware, Iowa | 1 | $ 46,000 | $ 46,000 | $ 85,000 |
| Jefferson, Kentucky | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| Delta, Michigan | 1 | $ 36,000 | $ 36,000 | $ 12,000 |
| Gogebic, Michigan | 1 | $ 50,000 | $ 50,000 | $ 121,000 |
| Marquette, Michigan | 1 | $ 48,000 | $ 48,000 | $ 58,000 |
| Oakland, Michigan | 1 | $ 6,000 | $ 6,000 | $ 60,000 |
| Anoka, Minnesota | 1 | $ 57,000 | $ 57,000 | $ 69,000 |
| Carlton, Minnesota | 1 | $ 19,000 | $ 19,000 | $ 127,000 |
| Washington, Minnesota | 1 | $ 140,000 | $ 140,000 | $ 105,000 |
| Burnett, Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 70,000 |
| Eau Claire, Wisconsin | 1 | $ 61,000 | $ 61,000 | $ 123,000 |
| Florence, Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 50,000 |
| Green Lake, Wisconsin | 1 | $ 46,000 | $ 46,000 | $ 29,000 |
| Sauk, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 152,000 |
| Trempealeau, Wisconsin | 1 | $ 171,000 | $ 171,000 | $ 81,000 |
| Vernon, Wisconsin | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for F&M Bank- Wisconsin in 2004
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 | 1,491 | $141,709,000 | $96,000 | $785,000 | $104,666 | $1,342,000 |
| Home Purchase | 1,168 | $168,326,000 | $256,500 | $1,300,000 | $145,000 | $957,000 |
| Home Improvement | 461 | $12,722,000 | $13,200 | $373,000 | $57,400 | $558,000 |
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 | 2,988 | $308,460,000 | $200,000 | $1,300,000 | $125,200 | $1,342,000 |
| Not Provided | 57 | $9,239,000 | $293,500 | $650,000 | $516,500 | $946,000 |
| Hispanic | 39 | $2,326,000 | $38,000 | $210,000 | $41,666 | $195,000 |
| Asian | 11 | $888,000 | $80,000 | $242,000 | $65,000 | $149,000 |
| American Indian or Alaskan Native | 10 | $509,000 | $50,000 | $121,000 | $64,000 | $183,000 |
| Not applicable | 8 | $640,000 | $80,000 | $145,000 | $149,000 | $957,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $229,000 | $57,000 | $124,000 | $63,000 | $84,000 |
| Black or African American | 3 | $466,000 | $151,500 | $175,000 | $80,500 | $105,000 |
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) | 3,117 | $322,514,000 | $203,800 | $1,300,000 | $136,600 | $1,342,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $243,000 | $87,000 | $105,000 | $31,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 2,279 | $237,202,000 | $228,142 | $1,300,000 | $183,285 | $1,342,000 |
| Application Approved But Not Accepted | 344 | $38,142,000 | $79,000 | $930,000 | $46,600 | $952,000 |
| Application Denied By Financial Institution | 327 | $24,741,000 | $44,250 | $450,000 | $40,750 | $1,097,000 |
| Application Withdrawn By Applicant | 111 | $17,027,000 | $234,500 | $650,000 | $67,500 | $240,000 |
| Preapproval Denied by Financial Institution | 43 | $4,624,000 | $107,000 | $238,000 | $31,000 | $89,000 |
| File Closed For Incompleteness | 16 | $1,021,000 | $63,000 | $136,000 | $48,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 244 | $15,583,000 | $64,750 | $373,000 | $40,500 | $1,097,000 |
| Debt-To-Income Ratio | 81 | $9,545,000 | $92,333 | $385,000 | $26,666 | $170,000 |
| Other | 17 | $918,000 | $35,000 | $180,000 | $42,333 | $89,000 |
| Collateral | 13 | $1,676,000 | $128,000 | $450,000 | $83,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $750,000 | $98,000 | $260,000 | $34,500 | $100,000 |
| Employment History | 4 | $460,000 | $140,000 | $190,000 | $59,000 | $89,000 |
| Unverifiable Information | 3 | $313,000 | $108,000 | $145,000 | $11,000 | $32,000 |
| Credit Application Incomplete | 1 | $120,000 | $120,000 | $120,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank- Wisconsin's 2004 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 F&M Bank- Wisconsin'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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