Farmers & Merchants Union Bank Mortgage Lending & HMDA Data, 2011
In 2011, Farmers & Merchants Union Bank of Columbus, WI reported 226 mortgage applications totaling $28.7 million, down 34% from 2010. The average application was for $127,207, and applicants reported an average income of $65,592. 82% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Madison, WI (155), Milwaukee-Waukesha-West Allis, WI (2) and Minneapolis-St. Paul-Bloomington, MN-WI (2) (applications in parentheses).
| Mortgage Company & Address | Farmers & Merchants Union Bank 159 W James St Po Box 226 Columbus, WI 53925 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 226 |
| Total Mortgage Loan Application Amount | $28,749,000 |
| Average Mortgage Loan Application Amount | $127,207 |
| Highest Mortgage Loan Application Amount | $440,000 |
| Average Applicant Income | $65,592 |
| Highest Applicant Income | $358,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farmers & Merchants Union Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbia, Wisconsin | 135 | $ 15,878,000 | $ 117,614 | $ 65,000 |
| Dodge, Wisconsin | 47 | $ 5,978,000 | $ 127,191 | $ 59,000 |
| Dane, Wisconsin | 19 | $ 3,349,000 | $ 176,263 | $ 66,000 |
| Green Lake, Wisconsin | 3 | $ 281,000 | $ 93,666 | $ 62,000 |
| Hennepin, Minnesota | 2 | $ 426,000 | $ 213,000 | $ 337,000 |
| Jefferson, Wisconsin | 2 | $ 149,000 | $ 74,500 | $ 76,000 |
| Sheboygan, Wisconsin | 2 | $ 301,000 | $ 150,500 | $ 33,000 |
| Waukesha, Wisconsin | 2 | $ 618,000 | $ 309,000 | $ 135,000 |
| Waushara, Wisconsin | 2 | $ 355,000 | $ 177,500 | $ 31,000 |
| Winnebago, Wisconsin | 2 | $ 134,000 | $ 67,000 | $ 54,000 |
| Lee, Florida | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Cook, Illinois | 1 | $ 112,000 | $ 112,000 | $ 103,000 |
| Rice, Minnesota | 1 | $ 156,000 | $ 156,000 | $ 13,000 |
| Portage, Ohio | 1 | $ 232,000 | $ 232,000 | $ 101,000 |
| Douglas, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 51,000 |
| Fond du Lac, Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 114,000 |
| Iowa, Wisconsin | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Oneida, Wisconsin | 1 | $ 71,000 | $ 71,000 | $ 57,000 |
| Racine, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Vilas, Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Farmers & Merchants Union Bank 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 | 125 | $17,428,000 | $139,000 | $417,000 | $70,000 | $358,000 |
| Home Purchase | 64 | $8,495,000 | $132,000 | $440,000 | $66,000 | $284,000 |
| Home Improvement | 37 | $2,826,000 | $76,000 | $385,000 | $50,000 | $149,000 |
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 | 210 | $26,241,000 | $124,000 | $440,000 | $69,000 | $358,000 |
| Not applicable | 10 | $1,820,000 | $182,000 | $385,000 | $0 | $0 |
| Not Provided | 4 | $471,000 | $117,000 | $320,000 | $72,000 | $130,000 |
| Asian | 1 | $147,000 | $147,000 | $147,000 | $65,000 | $65,000 |
| Hispanic | 1 | $70,000 | $70,000 | $70,000 | $55,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 213 | $26,962,000 | $126,000 | $440,000 | $66,000 | $358,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,787,000 | $137,000 | $204,000 | $59,000 | $96,000 |
| 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 | 185 | $23,338,000 | $126,000 | $417,000 | $68,000 | $358,000 |
| Application Denied By Financial Institution | 28 | $3,884,000 | $138,000 | $440,000 | $56,000 | $149,000 |
| Application Approved But Not Accepted | 12 | $1,496,000 | $124,000 | $320,000 | $64,000 | $130,000 |
| Application Withdrawn By Applicant | 1 | $31,000 | $31,000 | $31,000 | $73,000 | $73,000 |
| 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 Farmers & Merchants Union Bank'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 Farmers & Merchants Union Bank'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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