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Act (HMDA) records F&M Bank- Wisconsin filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Appleton-Oshkosh-Neenah, WI | 757 | $ 83,606,000 | $ 110,443 | $ 82,000 |
| Green Bay, WI | 486 | $ 58,928,000 | $ 121,251 | $ 63,000 |
| Milwaukee-Waukesha, WI | 238 | $ 29,312,000 | $ 123,159 | $ 86,000 |
| Janesville-Beloit, WI | 26 | $ 1,897,000 | $ 72,961 | $ 51,000 |
| Wausau, WI | 21 | $ 1,528,000 | $ 72,761 | $ 45,000 |
| Racine, WI | 16 | $ 2,578,000 | $ 161,125 | $ 81,000 |
| Dubuque, IA | 12 | $ 816,000 | $ 68,000 | $ 34,000 |
| Madison, WI | 12 | $ 2,517,000 | $ 209,750 | $ 106,000 |
| Minneapolis-St. Paul, MN-WI | 12 | $ 3,085,000 | $ 257,083 | $ 105,000 |
| Chicago, IL | 6 | $ 850,000 | $ 141,666 | $ 118,000 |
| Duluth-Superior, MN-WI | 6 | $ 591,000 | $ 98,500 | $ 99,000 |
| Kenosha, WI | 5 | $ 261,000 | $ 52,200 | $ 72,000 |
| Sheboygan, WI | 5 | $ 573,000 | $ 114,600 | $ 64,000 |
| Eau Claire, WI | 2 | $ 315,000 | $ 157,500 | $ 65,000 |
| Naples, FL | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Peoria-Pekin, IL | 1 | $ 70,000 | $ 70,000 | $ 105,000 |
| Phoenix-Mesa, AZ | 1 | $ 132,000 | $ 132,000 | $ 117,000 |
| Rockford, IL | 1 | $ 29,000 | $ 29,000 | $ 120,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 57,000 | $ 57,000 | $ 17,000 |
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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