Partnership Bank Mortgage Lending & HMDA Data, 2018
In 2018, Partnership Bank of Cedarburg, WI reported 386 mortgage applications totaling $83.4 million, down 14% from 2017. The average application was for $216,062, and applicants reported an average income of $107,121. 59% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (173), La Crosse-Onalaska, WI-MN (3) and Sheboygan, WI (3) (applications in parentheses).
| Mortgage Company & Address | Partnership Bank N58w6194 Columbia Road Cedarburg, WI 53012 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2004 2003 |
| Total Number of Mortgage Applications | 386 |
| Total Mortgage Loan Application Amount | $83,400,000 |
| Average Mortgage Loan Application Amount | $216,062 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $107,121 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Partnership Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ozaukee, Wisconsin | 95 | $ 25,685,000 | $ 270,368 | $ 136,000 |
| Monroe, Wisconsin | 65 | $ 9,565,000 | $ 147,153 | $ 75,000 |
| Milwaukee, Wisconsin | 40 | $ 7,090,000 | $ 177,250 | $ 116,000 |
| Washington, Wisconsin | 23 | $ 6,185,000 | $ 268,913 | $ 114,000 |
| Jefferson, Wisconsin | 18 | $ 3,820,000 | $ 212,222 | $ 60,000 |
| Dodge, Wisconsin | 16 | $ 2,100,000 | $ 131,250 | $ 93,000 |
| Waukesha, Wisconsin | 15 | $ 3,735,000 | $ 249,000 | $ 90,000 |
| Jackson, Wisconsin | 5 | $ 785,000 | $ 157,000 | $ 100,000 |
| Juneau, Wisconsin | 5 | $ 815,000 | $ 163,000 | $ 117,000 |
| Sauk, Wisconsin | 4 | $ 600,000 | $ 150,000 | $ 212,000 |
| Sawyer, Wisconsin | 4 | $ 980,000 | $ 245,000 | $ 197,000 |
| La Crosse, Wisconsin | 3 | $ 495,000 | $ 165,000 | $ 132,000 |
| Sheboygan, Wisconsin | 3 | $ 415,000 | $ 138,333 | $ 61,000 |
| Vilas, Wisconsin | 3 | $ 815,000 | $ 271,666 | $ 218,000 |
| Oneida, Wisconsin | 2 | $ 230,000 | $ 115,000 | $ 224,000 |
| Vernon, Wisconsin | 2 | $ 470,000 | $ 235,000 | $ 182,000 |
| Dane, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Door, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Fond du Lac, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Forest, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Green Lake, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Iron, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Marathon, Wisconsin | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Racine, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Walworth, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Waushara, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 212,000 |
Mortgage Loan Application Detail Totals for Partnership Bank in 2018
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 | 249 | $52,815,000 | $212,000 | $1,135,000 | $97,000 | $430,000 |
| Cash-out Refinancing | 70 | $13,920,000 | $198,000 | $455,000 | $130,000 | $1,000,000 |
| Refinancing | 60 | $15,590,000 | $259,000 | $1,485,000 | $127,000 | $513,000 |
| Home Improvement | 7 | $1,075,000 | $153,000 | $315,000 | $68,000 | $134,000 |
| 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 | 340 | $70,880,000 | $208,000 | $1,485,000 | $107,000 | $1,000,000 |
| Not Provided | 17 | $4,255,000 | $250,000 | $795,000 | $96,000 | $229,000 |
| Not applicable | 14 | $5,260,000 | $375,000 | $1,305,000 | $0 | $0 |
| Asian | 5 | $1,165,000 | $233,000 | $415,000 | $215,000 | $720,000 |
| Hispanic | 5 | $775,000 | $155,000 | $235,000 | $62,000 | $114,000 |
| Black or African American | 2 | $310,000 | $155,000 | $195,000 | $50,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $113,000 | $113,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $33,000 | $33,000 |
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) | 363 | $80,425,000 | $221,000 | $1,485,000 | $111,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,850,000 | $129,000 | $305,000 | $42,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $81,000 | $81,000 |
| 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 | 227 | $51,325,000 | $226,000 | $1,485,000 | $116,000 | $543,000 |
| Preapproval Approved but not Accepted | 59 | $13,815,000 | $234,000 | $725,000 | $92,000 | $430,000 |
| Application Denied By Financial Institution | 41 | $7,615,000 | $185,000 | $455,000 | $93,000 | $720,000 |
| Application Withdrawn By Applicant | 24 | $4,450,000 | $185,000 | $795,000 | $97,000 | $250,000 |
| Preapproval Denied by Financial Institution | 16 | $2,470,000 | $154,000 | $455,000 | $58,000 | $137,000 |
| Application Approved But Not Accepted | 16 | $2,980,000 | $186,000 | $455,000 | $84,000 | $213,000 |
| File Closed For Incompleteness | 3 | $745,000 | $248,000 | $455,000 | $522,000 | $1,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 329 | $73,315,000 | $222,000 | $1,485,000 | $111,000 | $1,000,000 |
| Credit History | 32 | $5,360,000 | $167,000 | $455,000 | $87,000 | $720,000 |
| Debt-To-Income Ratio | 12 | $2,570,000 | $214,000 | $455,000 | $58,000 | $137,000 |
| Collateral | 4 | $420,000 | $105,000 | $185,000 | $64,000 | $131,000 |
| Other | 4 | $810,000 | $202,000 | $265,000 | $178,000 | $212,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $550,000 | $275,000 | $405,000 | $98,000 | $114,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $4,000 | $4,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Partnership Bank's 2018 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 Partnership 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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