Johnson Bank Mortgage Lending & HMDA Data, 2025

In 2025, Johnson Bank of Racine, WI reported 5,372 mortgage applications totaling $1.9 billion, up 12% from 2024. The average application was for $346,358, and applicants reported an average income of $188,541. 59% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (948), Janesville-Beloit, WI (412) and Racine, WI (403) (applications in parentheses).

Mortgage Company & Address Johnson Bank
555 Main Street Suite 490
Racine, WI 53403
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 5,372
Total Mortgage Loan Application Amount $1,860,640,000
Average Mortgage Loan Application Amount $346,358
Highest Mortgage Loan Application Amount $38,205,000
Average Applicant Income $188,541
Highest Applicant Income $4,243,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Johnson Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Johnson Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Milwaukee, Wisconsin 466 $ 134,980,000 $ 289,656 $ 198,000
Rock, Wisconsin 412 $ 102,390,000 $ 248,519 $ 145,000
Racine, Wisconsin 403 $ 102,285,000 $ 253,808 $ 171,000
Waukesha, Wisconsin 336 $ 171,490,000 $ 510,386 $ 299,000
Kenosha, Wisconsin 309 $ 81,425,000 $ 263,511 $ 180,000
Dane, Wisconsin 283 $ 168,655,000 $ 595,954 $ 274,000
Brown, Wisconsin 268 $ 90,550,000 $ 337,873 $ 196,000
Outagamie, Wisconsin 129 $ 49,675,000 $ 385,077 $ 194,000
Sawyer, Wisconsin 105 $ 27,935,000 $ 266,047 $ 179,000
Ozaukee, Wisconsin 96 $ 41,370,000 $ 430,937 $ 324,000
Jefferson, Wisconsin 92 $ 25,660,000 $ 278,913 $ 151,000
Sheboygan, Wisconsin 79 $ 27,985,000 $ 354,240 $ 182,000
Barron, Wisconsin 67 $ 14,395,000 $ 214,850 $ 139,000
Winnebago, Wisconsin 61 $ 20,555,000 $ 336,967 $ 220,000
Oconto, Wisconsin 54 $ 14,790,000 $ 273,888 $ 153,000
Walworth, Wisconsin 53 $ 17,385,000 $ 328,018 $ 302,000
Washington, Wisconsin 50 $ 16,570,000 $ 331,400 $ 240,000
Washburn, Wisconsin 43 $ 9,465,000 $ 220,116 $ 191,000
Door, Wisconsin 38 $ 14,180,000 $ 373,157 $ 248,000
Calumet, Wisconsin 33 $ 12,155,000 $ 368,333 $ 204,000
Bayfield, Wisconsin 32 $ 10,540,000 $ 329,375 $ 169,000
Manitowoc, Wisconsin 30 $ 15,210,000 $ 507,000 $ 159,000
Lake, Illinois 28 $ 9,950,000 $ 355,357 $ 225,000
Winnebago, Illinois 22 $ 6,010,000 $ 273,181 $ 154,000
Shawano, Wisconsin 22 $ 3,900,000 $ 177,272 $ 169,000
Vilas, Wisconsin 18 $ 9,680,000 $ 537,777 $ 546,000
Cook, Illinois 17 $ 6,865,000 $ 403,823 $ 270,000
Dodge, Wisconsin 16 $ 4,530,000 $ 283,125 $ 122,000
Fond du Lac, Wisconsin 15 $ 8,685,000 $ 579,000 $ 188,000
Waupaca, Wisconsin 14 $ 8,170,000 $ 583,571 $ 179,000
Marinette, Wisconsin 13 $ 1,965,000 $ 151,153 $ 133,000
Columbia, Wisconsin 12 $ 4,630,000 $ 385,833 $ 185,000
Sauk, Wisconsin 12 $ 16,730,000 $ 1,394,166 $ 276,000
Maricopa, Arizona 11 $ 8,175,000 $ 743,181 $ 408,000
Oneida, Wisconsin 11 $ 3,595,000 $ 326,818 $ 209,000
Burnett, Wisconsin 10 $ 3,980,000 $ 398,000 $ 204,000
Green, Wisconsin 10 $ 2,990,000 $ 299,000 $ 129,000
Price, Wisconsin 9 $ 1,485,000 $ 165,000 $ 165,000
Ashland, Wisconsin 8 $ 2,500,000 $ 312,500 $ 190,000
Douglas, Wisconsin 8 $ 1,560,000 $ 195,000 $ 125,000
Green Lake, Wisconsin 8 $ 5,870,000 $ 733,750 $ 331,000
Kewaunee, Wisconsin 8 $ 2,120,000 $ 265,000 $ 133,000
Waushara, Wisconsin 7 $ 2,185,000 $ 312,142 $ 218,000
Boone, Illinois 6 $ 2,030,000 $ 338,333 $ 243,000
Adams, Wisconsin 6 $ 1,040,000 $ 173,333 $ 123,000
Lincoln, Wisconsin 6 $ 2,340,000 $ 390,000 $ 215,000
Taylor, Wisconsin 6 $ 2,500,000 $ 416,666 $ 723,000
Collier, Florida 5 $ 2,165,000 $ 433,000 $ 177,000
Chippewa, Wisconsin 5 $ 1,465,000 $ 293,000 $ 92,000
Marathon, Wisconsin 5 $ 1,885,000 $ 377,000 $ 210,000
Rusk, Wisconsin 5 $ 1,645,000 $ 329,000 $ 102,000
McHenry, Illinois 4 $ 1,430,000 $ 357,500 $ 144,000
Hennepin, Minnesota 4 $ 1,060,000 $ 265,000 $ 375,000
Juneau, Wisconsin 4 $ 640,000 $ 160,000 $ 108,000
Langlade, Wisconsin 4 $ 660,000 $ 165,000 $ 161,000
El Paso, Colorado 3 $ 565,000 $ 188,333 $ 224,000
DuPage, Illinois 3 $ 1,265,000 $ 421,666 $ 169,000
Carver, Minnesota 3 $ 1,065,000 $ 355,000 $ 129,000
Olmsted, Minnesota 3 $ 825,000 $ 275,000 $ 188,000
Washington, Minnesota 3 $ 1,515,000 $ 505,000 $ 346,000
Newberry, South Carolina 3 $ 475,000 $ 158,333 $ 204,000
Denton, Texas 3 $ 615,000 $ 205,000 $ 105,000
Florence, Wisconsin 3 $ 865,000 $ 288,333 $ 453,000
Menominee, Wisconsin 3 $ 1,275,000 $ 425,000 $ 450,000
St. Croix, Wisconsin 3 $ 415,000 $ 138,333 $ 67,000
Lee, Florida 2 $ 710,000 $ 355,000 $ 229,000
Marion, Florida 2 $ 810,000 $ 405,000 $ 384,000
Palm Beach, Florida 2 $ 21,810,000 $ 10,905,000 $ 439,000
Polk, Florida 2 $ 17,250,000 $ 8,625,000 $ 219,000
Sarasota, Florida 2 $ 920,000 $ 460,000 $ 1,631,000
LaSalle, Illinois 2 $ 160,000 $ 80,000 $ 51,000
Will, Illinois 2 $ 740,000 $ 370,000 $ 237,000
Brown, Indiana 2 $ 930,000 $ 465,000 $ 176,000
Gogebic, Michigan 2 $ 380,000 $ 190,000 $ 164,000
Chisago, Minnesota 2 $ 750,000 $ 375,000 $ 293,000
St. Louis, Minnesota 2 $ 170,000 $ 85,000 $ 54,000
Tarrant, Texas 2 $ 160,000 $ 80,000 $ 48,000
Clark, Wisconsin 2 $ 810,000 $ 405,000 $ 123,000
Eau Claire, Wisconsin 2 $ 290,000 $ 145,000 $ 61,000
Forest, Wisconsin 2 $ 540,000 $ 270,000 $ 181,000
Grant, Wisconsin 2 $ 200,000 $ 100,000 $ 73,000
Iowa, Wisconsin 2 $ 560,000 $ 280,000 $ 79,000
Trempealeau, Wisconsin 2 $ 230,000 $ 115,000 $ 60,000
Wood, Wisconsin 2 $ 220,000 $ 110,000 $ 101,000
Mohave, Arizona 1 $ 575,000 $ 575,000 $ 197,000
Pima, Arizona 1 $ 305,000 $ 305,000 $ 173,000
Pinal, Arizona 1 $ 135,000 $ 135,000 $ 67,000
Yavapai, Arizona 1 $ 405,000 $ 405,000 $ 537,000
Saline, Arkansas 1 $ 205,000 $ 205,000 $ 72,000
Boulder, Colorado 1 $ 405,000 $ 405,000 $ 124,000
Garfield, Colorado 1 $ 55,000 $ 55,000 $ 179,000
Jefferson, Colorado 1 $ 305,000 $ 305,000 $ 87,000
Mesa, Colorado 1 $ 615,000 $ 615,000 $ 252,000
Bay, Florida 1 $ 505,000 $ 505,000 $ 388,000
Broward, Florida 1 $ 2,685,000 $ 2,685,000 $ 0
Sumter, Florida 1 $ 225,000 $ 225,000 $ 126,000
Bulloch, Georgia 1 $ 415,000 $ 415,000 $ 110,000
Effingham, Georgia 1 $ 375,000 $ 375,000 $ 110,000
Fayette, Georgia 1 $ 805,000 $ 805,000 $ 414,000
Franklin, Georgia 1 $ 295,000 $ 295,000 $ 259,000
DeKalb, Illinois 1 $ 255,000 $ 255,000 $ 1,081,000
Lee, Illinois 1 $ 25,000 $ 25,000 $ 85,000
Stephenson, Illinois 1 $ 165,000 $ 165,000 $ 75,000
Tazewell, Illinois 1 $ 195,000 $ 195,000 $ 166,000
Floyd, Indiana 1 $ 305,000 $ 305,000 $ 115,000
Hamilton, Indiana 1 $ 555,000 $ 555,000 $ 284,000
Monroe, Indiana 1 $ 335,000 $ 335,000 $ 164,000
Dubuque, Iowa 1 $ 205,000 $ 205,000 $ 53,000
Jasper, Iowa 1 $ 335,000 $ 335,000 $ 129,000
Boone, Kentucky 1 $ 385,000 $ 385,000 $ 106,000
Floyd, Kentucky 1 $ 85,000 $ 85,000 $ 39,000
Powell, Kentucky 1 $ 365,000 $ 365,000 $ 141,000
Alger, Michigan 1 $ 125,000 $ 125,000 $ 81,000
Berrien, Michigan 1 $ 205,000 $ 205,000 $ 123,000
Houghton, Michigan 1 $ 175,000 $ 175,000 $ 147,000
Iron, Michigan 1 $ 675,000 $ 675,000 $ 936,000
Menominee, Michigan 1 $ 85,000 $ 85,000 $ 149,000
Wexford, Michigan 1 $ 425,000 $ 425,000 $ 212,000
Carlton, Minnesota 1 $ 705,000 $ 705,000 $ 274,000
Cass, Minnesota 1 $ 105,000 $ 105,000 $ 59,000
Dakota, Minnesota 1 $ 235,000 $ 235,000 $ 50,000
Goodhue, Minnesota 1 $ 205,000 $ 205,000 $ 55,000
Pine, Minnesota 1 $ 315,000 $ 315,000 $ 132,000
Ramsey, Minnesota 1 $ 395,000 $ 395,000 $ 137,000
Scott, Minnesota 1 $ 1,385,000 $ 1,385,000 $ 1,130,000
Wright, Minnesota 1 $ 115,000 $ 115,000 $ 129,000
Cape Girardeau, Missouri 1 $ 305,000 $ 305,000 $ 178,000
Cole, Missouri 1 $ 65,000 $ 65,000 $ 41,000
Jefferson, Missouri 1 $ 275,000 $ 275,000 $ 88,000
Pulaski, Missouri 1 $ 245,000 $ 245,000 $ 99,000
Granite, Montana 1 $ 1,505,000 $ 1,505,000 $ 342,000
Madison, Montana 1 $ 1,205,000 $ 1,205,000 $ 943,000
Merrimack, New Hampshire 1 $ 335,000 $ 335,000 $ 100,000
Buncombe, North Carolina 1 $ 325,000 $ 325,000 $ 536,000
Catawba, North Carolina 1 $ 365,000 $ 365,000 $ 516,000
Iredell, North Carolina 1 $ 1,495,000 $ 1,495,000 $ 0
Johnston, North Carolina 1 $ 425,000 $ 425,000 $ 0
Mecklenburg, North Carolina 1 $ 475,000 $ 475,000 $ 111,000
Wake, North Carolina 1 $ 305,000 $ 305,000 $ 70,000
Cass, North Dakota 1 $ 2,665,000 $ 2,665,000 $ 0
Charleston, South Carolina 1 $ 635,000 $ 635,000 $ 618,000
Dorchester, South Carolina 1 $ 275,000 $ 275,000 $ 135,000
Greenville, South Carolina 1 $ 355,000 $ 355,000 $ 166,000
Hamilton, Tennessee 1 $ 525,000 $ 525,000 $ 229,000
Rhea, Tennessee 1 $ 385,000 $ 385,000 $ 96,000
Midland, Texas 1 $ 225,000 $ 225,000 $ 361,000
Travis, Texas 1 $ 505,000 $ 505,000 $ 180,000
Williamsburg, Virginia 1 $ 215,000 $ 215,000 $ 264,000
Buffalo, Wisconsin 1 $ 185,000 $ 185,000 $ 45,000
Crawford, Wisconsin 1 $ 45,000 $ 45,000 $ 33,000
Dunn, Wisconsin 1 $ 375,000 $ 375,000 $ 115,000
Iron, Wisconsin 1 $ 155,000 $ 155,000 $ 154,000
La Crosse, Wisconsin 1 $ 165,000 $ 165,000 $ 80,000
Lafayette, Wisconsin 1 $ 295,000 $ 295,000 $ 173,000
Marquette, Wisconsin 1 $ 375,000 $ 375,000 $ 391,000
Portage, Wisconsin 1 $ 35,000 $ 35,000 $ 35,000
Richland, Wisconsin 1 $ 435,000 $ 435,000 $ 140,000

Mortgage Loan Application Detail Totals for Johnson Bank in 2025

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 3,403 $1,304,005,000 $383,000 $21,005,000 $168,000 $4,243,000
Home Improvement 655 $113,285,000 $172,000 $1,505,000 $234,000 $4,151,000
Refinancing 614 $312,670,000 $509,000 $38,205,000 $258,000 $3,553,000
Other Purpose 512 $80,090,000 $156,000 $2,395,000 $193,000 $3,162,000
Cash-out Refinancing 188 $50,590,000 $269,000 $1,135,000 $163,000 $2,171,000
Not Applicable 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 4,192 $1,372,670,000 $327,000 $3,255,000 $203,000 $4,151,000
Hispanic 501 $112,665,000 $224,000 $1,265,000 $99,000 $2,171,000
Black or African American 276 $64,250,000 $232,000 $1,295,000 $103,000 $1,047,000
Asian 185 $63,925,000 $345,000 $1,605,000 $201,000 $4,243,000
Not Provided 165 $67,965,000 $411,000 $2,625,000 $215,000 $1,757,000
Not applicable 29 $173,105,000 $5,969,000 $38,205,000 $0 $0
American Indian or Alaskan Native 19 $4,475,000 $235,000 $605,000 $92,000 $234,000
Native Hawaiian or Other Pacific Islander 5 $1,585,000 $317,000 $565,000 $112,000 $250,000

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) 5,338 $1,849,450,000 $346,000 $38,205,000 $189,000 $4,243,000
VA-guaranteed (Veterans Administration) 32 $10,860,000 $339,000 $745,000 $118,000 $381,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $330,000 $165,000 $235,000 $59,000 $80,000
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 3,194 $1,181,400,000 $369,000 $38,205,000 $212,000 $4,151,000
Preapproval Approved but not Accepted 763 $268,305,000 $351,000 $2,505,000 $141,000 $897,000
Preapproval Denied by Financial Institution 690 $199,890,000 $289,000 $2,625,000 $134,000 $4,243,000
Application Denied By Financial Institution 290 $56,610,000 $195,000 $885,000 $123,000 $1,134,000
Application Approved But Not Accepted 252 $89,870,000 $356,000 $2,245,000 $195,000 $2,034,000
Application Withdrawn By Applicant 157 $59,615,000 $379,000 $1,505,000 $287,000 $3,137,000
File Closed For Incompleteness 14 $3,350,000 $239,000 $615,000 $180,000 $861,000
Loan Purchased By The Institution 12 $1,600,000 $133,000 $235,000 $51,000 $77,000

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 4,392 $1,604,140,000 $365,000 $38,205,000 $201,000 $4,151,000
Credit History 356 $76,650,000 $215,000 $1,405,000 $106,000 $4,243,000
Credit Application Incomplete 285 $99,275,000 $348,000 $2,625,000 $196,000 $2,520,000
Debt-To-Income Ratio 246 $57,510,000 $233,000 $1,925,000 $90,000 $1,111,000
Collateral 50 $10,850,000 $217,000 $885,000 $147,000 $885,000
Employment History 16 $3,240,000 $202,000 $375,000 $44,000 $120,000
Other 15 $4,225,000 $281,000 $725,000 $173,000 $781,000
Unverifiable Information 6 $2,810,000 $468,000 $1,005,000 $178,000 $440,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,940,000 $323,000 $495,000 $105,000 $189,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Johnson Bank's 2025 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 Johnson 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.

Download the Wisconsin Lender List