Bank Five Nine Mortgage Lending & HMDA Data, 2022
In 2022, Bank Five Nine of Oconomowoc, WI reported 1,948 mortgage applications totaling $580.5 million, down 40% from 2021. The average application was for $298,013, and applicants reported an average income of $123,918. 69% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (888), Lake County-Kenosha County, IL-WI (152) and Racine, WI (86) (applications in parentheses).
| Mortgage Company & Address | Bank Five Nine 155 W. Wisconsin Avenue Oconomowoc, WI 53066 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 2003 |
| Total Number of Mortgage Applications | 1,948 |
| Total Mortgage Loan Application Amount | $580,530,000 |
| Average Mortgage Loan Application Amount | $298,013 |
| Highest Mortgage Loan Application Amount | $9,005,000 |
| Average Applicant Income | $123,918 |
| Highest Applicant Income | $6,505,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank Five Nine filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 888 | $ 262,580,000 | $ 295,698 | $ 137,000 |
| Outside any metro area | 218 | $ 64,590,000 | $ 296,284 | $ 147,481 |
| Lake County-Kenosha County, IL-WI | 152 | $ 40,040,000 | $ 263,421 | $ 105,118 |
| Racine, WI | 86 | $ 21,540,000 | $ 250,465 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 81 | $ 34,045,000 | $ 420,308 | $ 113,382 |
| Madison, WI | 61 | $ 23,155,000 | $ 379,590 | $ 151,000 |
| Wausau, WI | 44 | $ 11,630,000 | $ 264,318 | $ 79,000 |
| Green Bay, WI | 28 | $ 7,200,000 | $ 257,142 | $ 84,000 |
| Appleton, WI | 26 | $ 6,630,000 | $ 255,000 | $ 112,000 |
| Sheboygan, WI | 16 | $ 4,030,000 | $ 251,875 | $ 131,000 |
| Oshkosh-Neenah, WI | 14 | $ 2,900,000 | $ 207,142 | $ 87,000 |
| Fond Du Lac, WI | 11 | $ 2,145,000 | $ 195,000 | $ 86,000 |
| Chicago-Naperville, IL | 10 | $ 2,920,000 | $ 292,000 | $ 168,000 |
| Eau Claire, WI | 10 | $ 2,100,000 | $ 210,000 | $ 79,000 |
| Janesville-Beloit, WI | 5 | $ 935,000 | $ 187,000 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 505,000 | $ 168,333 | $ 198,000 |
| Duluth, MN-WI | 3 | $ 965,000 | $ 321,666 | $ 78,000 |
| Dallas-Plano-Irving, TX | 2 | $ 9,070,000 | $ 4,535,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 2 | $ 480,000 | $ 240,000 | $ 124,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 630,000 | $ 315,000 | $ 400,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 460,000 | $ 230,000 | $ 48,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 690,000 | $ 345,000 | $ 377,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 2,820,000 | $ 1,410,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 3,175,000 | $ 3,175,000 | $ 0 |
| Asheville, NC | 1 | $ 2,125,000 | $ 2,125,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| Burlington, NC | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| Columbus, OH | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 85,000 | $ 85,000 | $ 129,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 65,000 | $ 65,000 | $ 132,000 |
| El Paso, TX | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Flagstaff, AZ | 1 | $ 455,000 | $ 455,000 | $ 396,000 |
| Greensboro-High Point, NC | 1 | $ 2,045,000 | $ 2,045,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 225,000 | $ 225,000 | $ 141,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 175,000 | $ 175,000 | $ 265,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 485,000 | $ 485,000 | $ 264,000 |
| Peoria, IL | 1 | $ 595,000 | $ 595,000 | $ 132,000 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| San Antonio-New Braunfels, TX | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| St. Louis, MO-IL | 1 | $ 2,655,000 | $ 2,655,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Five Nine in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,490 | $443,440,000 | $297,000 | $4,805,000 | $119,000 | $1,870,000 |
| Cash-out Refinancing | 262 | $64,620,000 | $246,000 | $3,005,000 | $150,000 | $6,505,000 |
| Refinancing | 192 | $69,710,000 | $363,000 | $9,005,000 | $127,000 | $820,000 |
| Home Improvement | 4 | $2,760,000 | $690,000 | $2,305,000 | $100,000 | $136,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 1,352 | $392,260,000 | $290,000 | $3,005,000 | $133,000 | $6,505,000 |
| Hispanic | 258 | $49,120,000 | $190,000 | $1,205,000 | $64,000 | $340,000 |
| Not Provided | 194 | $60,250,000 | $310,000 | $685,000 | $125,000 | $525,000 |
| Asian | 60 | $19,950,000 | $332,000 | $855,000 | $170,000 | $1,402,000 |
| Black or African American | 42 | $7,870,000 | $187,000 | $375,000 | $86,000 | $690,000 |
| Not applicable | 24 | $45,430,000 | $1,892,000 | $9,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,430,000 | $238,000 | $605,000 | $140,000 | $497,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,734 | $533,590,000 | $307,000 | $9,005,000 | $130,000 | $6,505,000 |
| FHA-insured (Federal Housing Administration) | 187 | $38,075,000 | $203,000 | $385,000 | $64,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 27 | $8,865,000 | $328,000 | $645,000 | $112,000 | $283,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,348 | $400,120,000 | $296,000 | $4,345,000 | $127,000 | $1,870,000 |
| Preapproval Approved but not Accepted | 200 | $52,060,000 | $260,000 | $645,000 | $88,000 | $456,000 |
| Application Withdrawn By Applicant | 136 | $37,390,000 | $274,000 | $705,000 | $122,000 | $702,000 |
| Application Approved But Not Accepted | 100 | $48,730,000 | $487,000 | $9,005,000 | $141,000 | $1,402,000 |
| Application Denied By Financial Institution | 74 | $22,840,000 | $308,000 | $4,445,000 | $58,000 | $135,000 |
| Preapproval Denied by Financial Institution | 58 | $11,070,000 | $190,000 | $495,000 | $44,000 | $159,000 |
| File Closed For Incompleteness | 28 | $7,170,000 | $256,000 | $645,000 | $328,000 | $6,505,000 |
| Loan Purchased By The Institution | 4 | $1,150,000 | $287,000 | $405,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,816 | $546,620,000 | $301,000 | $9,005,000 | $126,000 | $6,505,000 |
| Debt-To-Income Ratio | 53 | $11,385,000 | $214,000 | $555,000 | $52,000 | $159,000 |
| Other | 40 | $12,640,000 | $316,000 | $4,445,000 | $50,000 | $62,000 |
| Credit History | 16 | $3,100,000 | $193,000 | $365,000 | $33,000 | $33,000 |
| Collateral | 10 | $4,380,000 | $438,000 | $2,125,000 | $0 | $0 |
| Employment History | 6 | $920,000 | $153,000 | $245,000 | $37,000 | $44,000 |
| Unverifiable Information | 3 | $475,000 | $158,000 | $175,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $185,000 | $0 | $0 |
| Mortgage Insurance Denied | 2 | $730,000 | $365,000 | $395,000 | $104,000 | $104,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Five Nine's 2022 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 Bank Five Nine'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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