F&M Bank- Wisconsin Mortgage Lending & HMDA Data, 2003
In 2003, F&M Bank- Wisconsin of Green Bay, WI reported 4,736 mortgage applications totaling $457.8 million. The average application was for $96,669, and applicants reported an average income of $65,945. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Appleton-Oshkosh-Neenah, WI (757), Green Bay, WI (486) and Milwaukee-Waukesha, WI (238) (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 | 4,736 |
| Total Mortgage Loan Application Amount | $457,826,000 |
| Average Mortgage Loan Application Amount | $96,669 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $65,945 |
| Highest Applicant Income | $1,276,000 |
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Act (HMDA) records F&M Bank- Wisconsin filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 486 | $ 58,928,000 | $ 121,251 | $ 63,000 |
| Oconto, Wisconsin | 452 | $ 37,835,000 | $ 83,705 | $ 55,000 |
| Portage, Wisconsin | 356 | $ 28,031,000 | $ 78,738 | $ 69,000 |
| Outagamie, Wisconsin | 342 | $ 38,391,000 | $ 112,254 | $ 98,000 |
| Winnebago, Wisconsin | 277 | $ 31,242,000 | $ 112,787 | $ 69,000 |
| Oneida, Wisconsin | 217 | $ 25,585,000 | $ 117,903 | $ 122,000 |
| Vilas, Wisconsin | 204 | $ 28,714,000 | $ 140,754 | $ 83,000 |
| Waushara, Wisconsin | 188 | $ 12,865,000 | $ 68,430 | $ 59,000 |
| Walworth, Wisconsin | 168 | $ 14,885,000 | $ 88,601 | $ 72,000 |
| Grant, Wisconsin | 156 | $ 9,797,000 | $ 62,801 | $ 45,000 |
| Door, Wisconsin | 154 | $ 18,642,000 | $ 121,051 | $ 88,000 |
| Waupaca, Wisconsin | 147 | $ 13,848,000 | $ 94,204 | $ 53,000 |
| Milwaukee, Wisconsin | 146 | $ 16,115,000 | $ 110,376 | $ 76,000 |
| Calumet, Wisconsin | 138 | $ 13,973,000 | $ 101,253 | $ 69,000 |
| Marinette, Wisconsin | 110 | $ 7,523,000 | $ 68,390 | $ 56,000 |
| Kewaunee, Wisconsin | 89 | $ 8,562,000 | $ 96,202 | $ 60,000 |
| Lafayette, Wisconsin | 89 | $ 3,875,000 | $ 43,539 | $ 41,000 |
| Crawford, Wisconsin | 88 | $ 4,449,000 | $ 50,556 | $ 50,000 |
| Lincoln, Wisconsin | 75 | $ 5,352,000 | $ 71,360 | $ 44,000 |
| Douglas, Wisconsin | 70 | $ 3,194,000 | $ 45,628 | $ 53,000 |
| Waukesha, Wisconsin | 66 | $ 8,195,000 | $ 124,166 | $ 84,000 |
| Jefferson, Wisconsin | 65 | $ 4,679,000 | $ 71,984 | $ 44,000 |
| Shawano, Wisconsin | 63 | $ 6,339,000 | $ 100,619 | $ 50,000 |
| Green, Wisconsin | 53 | $ 2,694,000 | $ 50,830 | $ 51,000 |
| Langlade, Wisconsin | 51 | $ 3,776,000 | $ 74,039 | $ 47,000 |
| St. Croix, Wisconsin | 36 | $ 5,303,000 | $ 147,305 | $ 77,000 |
| Iowa, Wisconsin | 33 | $ 2,356,000 | $ 71,393 | $ 41,000 |
| Manitowoc, Wisconsin | 33 | $ 3,303,000 | $ 100,090 | $ 68,000 |
| Polk, Wisconsin | 27 | $ 2,276,000 | $ 84,296 | $ 46,000 |
| Rock, Wisconsin | 26 | $ 1,897,000 | $ 72,961 | $ 51,000 |
| Fond du Lac, Wisconsin | 25 | $ 3,294,000 | $ 131,760 | $ 80,000 |
| Clayton, Iowa | 21 | $ 1,071,000 | $ 51,000 | $ 45,000 |
| Marathon, Wisconsin | 21 | $ 1,528,000 | $ 72,761 | $ 45,000 |
| Menominee, Michigan | 18 | $ 1,215,000 | $ 67,500 | $ 50,000 |
| Iron, Wisconsin | 18 | $ 1,762,000 | $ 97,888 | $ 44,000 |
| Washington, Wisconsin | 18 | $ 3,553,000 | $ 197,388 | $ 73,000 |
| Racine, Wisconsin | 16 | $ 2,578,000 | $ 161,125 | $ 81,000 |
| Allamakee, Iowa | 13 | $ 714,000 | $ 54,923 | $ 60,000 |
| Forest, Wisconsin | 13 | $ 919,000 | $ 70,692 | $ 96,000 |
| Dubuque, Iowa | 12 | $ 816,000 | $ 68,000 | $ 34,000 |
| Dane, Wisconsin | 12 | $ 2,517,000 | $ 209,750 | $ 106,000 |
| Jo Daviess, Illinois | 9 | $ 406,000 | $ 45,111 | $ 51,000 |
| Green Lake, Wisconsin | 9 | $ 621,000 | $ 69,000 | $ 46,000 |
| Marquette, Wisconsin | 8 | $ 851,000 | $ 106,375 | $ 53,000 |
| Ozaukee, Wisconsin | 8 | $ 1,449,000 | $ 181,125 | $ 175,000 |
| Adams, Wisconsin | 7 | $ 674,000 | $ 96,285 | $ 117,000 |
| Delta, Michigan | 6 | $ 283,000 | $ 47,166 | $ 72,000 |
| St. Louis, Minnesota | 6 | $ 591,000 | $ 98,500 | $ 99,000 |
| Washington, Minnesota | 5 | $ 992,000 | $ 198,400 | $ 69,000 |
| Kenosha, Wisconsin | 5 | $ 261,000 | $ 52,200 | $ 72,000 |
| Menominee, Wisconsin | 5 | $ 329,000 | $ 65,800 | $ 67,000 |
| Sheboygan, Wisconsin | 5 | $ 573,000 | $ 114,600 | $ 64,000 |
| Barron, Wisconsin | 4 | $ 180,000 | $ 45,000 | $ 36,000 |
| Price, Wisconsin | 4 | $ 337,000 | $ 84,250 | $ 65,000 |
| Ramsey, Minnesota | 3 | $ 243,000 | $ 81,000 | $ 35,000 |
| Columbia, Wisconsin | 3 | $ 409,000 | $ 136,333 | $ 64,000 |
| Juneau, Wisconsin | 3 | $ 370,000 | $ 123,333 | $ 103,000 |
| Richland, Wisconsin | 3 | $ 106,000 | $ 35,333 | $ 39,000 |
| Carroll, Illinois | 2 | $ 56,000 | $ 28,000 | $ 23,000 |
| Cook, Illinois | 2 | $ 632,000 | $ 316,000 | $ 194,000 |
| McHenry, Illinois | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| Stephenson, Illinois | 2 | $ 163,000 | $ 81,500 | $ 19,000 |
| Will, Illinois | 2 | $ 168,000 | $ 84,000 | $ 75,000 |
| Fayette, Iowa | 2 | $ 129,000 | $ 64,500 | $ 41,000 |
| Gogebic, Michigan | 2 | $ 371,000 | $ 185,500 | $ 54,000 |
| Iron, Michigan | 2 | $ 331,000 | $ 165,500 | $ 38,000 |
| Carlton, Minnesota | 2 | $ 281,000 | $ 140,500 | $ 58,000 |
| Hennepin, Minnesota | 2 | $ 1,541,000 | $ 770,500 | $ 315,000 |
| Bayfield, Wisconsin | 2 | $ 95,000 | $ 47,500 | $ 28,000 |
| Dodge, Wisconsin | 2 | $ 251,000 | $ 125,500 | $ 45,000 |
| Eau Claire, Wisconsin | 2 | $ 315,000 | $ 157,500 | $ 65,000 |
| Florence, Wisconsin | 2 | $ 164,000 | $ 82,000 | $ 75,000 |
| Pierce, Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 35,000 |
| Taylor, Wisconsin | 2 | $ 35,000 | $ 17,500 | $ 33,000 |
| Wood, Wisconsin | 2 | $ 162,000 | $ 81,000 | $ 33,000 |
| Maricopa, Arizona | 1 | $ 132,000 | $ 132,000 | $ 117,000 |
| Collier, Florida | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Pinellas, Florida | 1 | $ 57,000 | $ 57,000 | $ 17,000 |
| Peoria, Illinois | 1 | $ 70,000 | $ 70,000 | $ 105,000 |
| Winnebago, Illinois | 1 | $ 29,000 | $ 29,000 | $ 120,000 |
| Butler, Iowa | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Cedar, Iowa | 1 | $ 131,000 | $ 131,000 | $ 27,000 |
| Jackson, Iowa | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Story, Iowa | 1 | $ 99,000 | $ 99,000 | $ 97,000 |
| Tama, Iowa | 1 | $ 27,000 | $ 27,000 | $ 52,000 |
| Winneshiek, Iowa | 1 | $ 89,000 | $ 89,000 | $ 41,000 |
| Baraga, Michigan | 1 | $ 79,000 | $ 79,000 | $ 90,000 |
| Dakota, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Wright, Minnesota | 1 | $ 134,000 | $ 134,000 | $ 43,000 |
| Ashland, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Dunn, Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 547,000 |
| Monroe, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for F&M Bank- Wisconsin in 2003
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 (home purchase or home improvement, one-to-four family) | 2,873 | $280,749,000 | $117,714 | $1,300,000 | $82,857 | $1,007,000 |
| Home Purchase (one-to-four family) | 1,197 | $159,668,000 | $105,600 | $1,000,000 | $60,600 | $1,276,000 |
| Home Improvement (one-to-four family) | 663 | $15,489,000 | $24,600 | $150,000 | $53,200 | $540,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $1,920,000 | $640,000 | $1,500,000 | $0 | $0 |
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 | 4,552 | $433,570,000 | $104,000 | $1,300,000 | $77,000 | $1,276,000 |
| Information not provided by applicant in mail or telephone application | 106 | $13,329,000 | $90,333 | $382,000 | $55,000 | $445,000 |
| Hispanic | 27 | $2,059,000 | $76,000 | $291,000 | $55,000 | $225,000 |
| American Indian or Alaskan Native | 19 | $1,278,000 | $67,000 | $190,000 | $49,000 | $162,000 |
| Asian or Pacific Islander | 13 | $1,781,000 | $137,000 | $320,000 | $62,000 | $140,000 |
| Other | 10 | $2,486,000 | $248,000 | $650,000 | $147,000 | $300,000 |
| Not applicable | 5 | $2,017,000 | $403,000 | $1,500,000 | $150,000 | $547,000 |
| Black | 4 | $1,306,000 | $326,000 | $1,000,000 | $280,000 | $786,000 |
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) | 4,734 | $457,675,000 | $104,142 | $1,500,000 | $77,285 | $1,276,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $151,000 | $75,000 | $89,000 | $29,000 | $33,000 |
| 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 | 3,580 | $347,444,000 | $87,857 | $1,500,000 | $65,428 | $1,007,000 |
| Application Denied By Financial Institution | 489 | $29,845,000 | $47,500 | $323,000 | $46,250 | $230,000 |
| Application Approved But Not Accepted | 454 | $52,466,000 | $160,500 | $1,300,000 | $101,333 | $750,000 |
| Application Withdrawn By Applicant | 189 | $25,064,000 | $204,000 | $646,000 | $114,000 | $1,276,000 |
| File Closed For Incompleteness | 24 | $3,007,000 | $125,000 | $518,000 | $67,000 | $321,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 310 | $12,371,000 | $36,500 | $220,000 | $50,000 | $190,000 |
| Debt-To-Income Ratio | 117 | $11,849,000 | $73,000 | $323,000 | $33,333 | $117,000 |
| Collateral | 22 | $2,173,000 | $69,333 | $323,000 | $43,000 | $92,000 |
| Other | 20 | $1,615,000 | $73,000 | $320,000 | $50,000 | $166,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,049,000 | $87,000 | $192,000 | $45,000 | $127,000 |
| Credit Application Incomplete | 4 | $399,000 | $99,000 | $220,000 | $131,000 | $230,000 |
| Employment History | 2 | $336,000 | $168,000 | $225,000 | $46,000 | $53,000 |
| Unverifiable Information | 1 | $38,000 | $38,000 | $38,000 | $20,000 | $20,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&M Bank- Wisconsin's 2003 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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