Johnson Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Johnson Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 4,787 |
| Total Mortgage Loan Application Amount | $890,810,000 |
| Average Mortgage Loan Application Amount | $283,500 |
| Highest Mortgage Loan Application Amount | $6,700,000 |
| Average Applicant Income | $160,750 |
| Highest Applicant Income | $2,514,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Johnson Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Johnson Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Johnson Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Johnson Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Johnson Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Johnson Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Racine County Wisconsin | 834 | $ 140,626,000 | $ 168,000 | $ 80,000 |
| Kenosha County Wisconsin | 578 | $ 102,245,000 | $ 176,000 | $ 80,000 |
| Rock County Wisconsin | 518 | $ 65,364,000 | $ 126,000 | $ 64,000 |
| Dane County Wisconsin | 320 | $ 74,457,000 | $ 232,000 | $ 97,000 |
| Sawyer County Wisconsin | 239 | $ 35,344,000 | $ 147,000 | $ 114,000 |
| Sheboygan County Wisconsin | 222 | $ 34,312,000 | $ 154,000 | $ 103,000 |
| Waukesha County Wisconsin | 210 | $ 54,719,000 | $ 260,000 | $ 121,000 |
| Maricopa County Arizona | 207 | $ 101,043,000 | $ 488,000 | $ 182,000 |
| Milwaukee County Wisconsin | 207 | $ 33,980,000 | $ 164,000 | $ 105,000 |
| Barron County Wisconsin | 197 | $ 23,873,000 | $ 121,000 | $ 58,000 |
| Washburn County Wisconsin | 186 | $ 25,521,000 | $ 137,000 | $ 75,000 |
| Jefferson County Wisconsin | 142 | $ 20,379,000 | $ 143,000 | $ 65,000 |
| Brown County Wisconsin | 104 | $ 16,741,000 | $ 160,000 | $ 110,000 |
| Walworth County Wisconsin | 68 | $ 14,654,000 | $ 215,000 | $ 97,000 |
| Burnett County Wisconsin | 46 | $ 7,165,000 | $ 155,000 | $ 97,000 |
| Door County Wisconsin | 44 | $ 10,162,000 | $ 230,000 | $ 185,000 |
| Washington County Wisconsin | 30 | $ 6,367,000 | $ 212,000 | $ 81,000 |
| Bayfield County Wisconsin | 25 | $ 4,169,000 | $ 166,000 | $ 87,000 |
| Outagamie County Wisconsin | 25 | $ 3,306,000 | $ 132,000 | $ 87,000 |
| Dunn County Wisconsin | 24 | $ 2,889,000 | $ 120,000 | $ 52,000 |
| Ozaukee County Wisconsin | 21 | $ 7,211,000 | $ 343,000 | $ 128,000 |
| Winnebago County Wisconsin | 20 | $ 4,104,000 | $ 205,000 | $ 83,000 |
| Lake County Illinois | 18 | $ 3,625,000 | $ 201,000 | $ 125,000 |
| Manitowoc County Wisconsin | 18 | $ 4,262,000 | $ 236,000 | $ 355,000 |
| Douglas County Wisconsin | 14 | $ 3,503,000 | $ 250,000 | $ 51,000 |
| Rusk County Wisconsin | 14 | $ 1,287,000 | $ 91,000 | $ 38,000 |
| Sauk County Wisconsin | 14 | $ 4,175,000 | $ 298,000 | $ 138,000 |
| Eau Claire County Wisconsin | 13 | $ 1,583,000 | $ 121,000 | $ 58,000 |
| Cook County Illinois | 12 | $ 6,828,000 | $ 569,000 | $ 154,000 |
| Green County Wisconsin | 12 | $ 1,719,000 | $ 143,000 | $ 65,000 |
| Oconto County Wisconsin | 12 | $ 1,765,000 | $ 147,000 | $ 121,000 |
| Coconino County Arizona | 11 | $ 8,129,000 | $ 739,000 | $ 456,000 |
| Adams County Wisconsin | 10 | $ 1,320,000 | $ 132,000 | $ 171,000 |
| Oneida County Wisconsin | 10 | $ 2,784,000 | $ 278,000 | $ 252,000 |
| Hennepin County Minnesota | 9 | $ 2,499,000 | $ 277,000 | $ 196,000 |
| Columbia County Wisconsin | 9 | $ 1,381,000 | $ 153,000 | $ 104,000 |
| St. Croix County Wisconsin | 9 | $ 1,843,000 | $ 204,000 | $ 85,000 |
| Vilas County Wisconsin | 9 | $ 3,186,000 | $ 354,000 | $ 253,000 |
| Fond du Lac County Wisconsin | 7 | $ 798,000 | $ 114,000 | $ 62,000 |
| Pima County Arizona | 6 | $ 2,858,000 | $ 476,000 | $ 315,000 |
| Dodge County Wisconsin | 6 | $ 698,000 | $ 116,000 | $ 71,000 |
| Iowa County Wisconsin | 6 | $ 2,073,000 | $ 345,000 | $ 131,000 |
| Marinette County Wisconsin | 6 | $ 473,000 | $ 78,000 | $ 92,000 |
| Yavapai County Arizona | 5 | $ 1,788,000 | $ 357,000 | $ 157,000 |
| Scott County Minnesota | 5 | $ 1,739,000 | $ 347,000 | $ 223,000 |
| Chippewa County Wisconsin | 5 | $ 833,000 | $ 166,000 | $ 107,000 |
| Shawano County Wisconsin | 5 | $ 1,133,000 | $ 226,000 | $ 170,000 |
| Waushara County Wisconsin | 5 | $ 812,000 | $ 162,000 | $ 101,000 |
| Navajo County Arizona | 4 | $ 1,327,000 | $ 331,000 | $ 458,000 |
| Trempealeau County Wisconsin | 4 | $ 463,000 | $ 115,000 | $ 52,000 |
| St. Louis County Minnesota | 3 | $ 237,000 | $ 79,000 | $ 47,000 |
| Lincoln County Wisconsin | 3 | $ 574,000 | $ 191,000 | $ 97,000 |
| Polk County Wisconsin | 3 | $ 561,000 | $ 187,000 | $ 81,000 |
| Vernon County Wisconsin | 3 | $ 505,000 | $ 168,000 | $ 118,000 |
| Kane County Illinois | 2 | $ 848,000 | $ 424,000 | $ 221,000 |
| Winnebago County Illinois | 2 | $ 174,000 | $ 87,000 | $ 31,000 |
| Iron County Michigan | 2 | $ 831,000 | $ 415,000 | $ 410,000 |
| Dodge County Minnesota | 2 | $ 375,000 | $ 187,000 | $ 77,000 |
| Ramsey County Minnesota | 2 | $ 548,000 | $ 274,000 | $ 256,000 |
| Erie County Ohio | 2 | $ 805,000 | $ 402,000 | $ 0 |
| Calumet County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 57,000 |
| Forest County Wisconsin | 2 | $ 478,000 | $ 239,000 | $ 178,000 |
| Juneau County Wisconsin | 2 | $ 344,000 | $ 172,000 | $ 82,000 |
| La Crosse County Wisconsin | 2 | $ 325,000 | $ 162,000 | $ 100,000 |
| Langlade County Wisconsin | 2 | $ 484,000 | $ 242,000 | $ 97,000 |
| Marathon County Wisconsin | 2 | $ 236,000 | $ 118,000 | $ 60,000 |
| Marquette County Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 62,000 |
| Monroe County Wisconsin | 2 | $ 152,000 | $ 76,000 | $ 27,000 |
| Richland County Wisconsin | 2 | $ 265,000 | $ 132,000 | $ 65,000 |
| Waupaca County Wisconsin | 2 | $ 178,000 | $ 89,000 | $ 56,000 |
| Gila County Arizona | 1 | $ 325,000 | $ 325,000 | $ 300,000 |
| Pinal County Arizona | 1 | $ 375,000 | $ 375,000 | $ 176,000 |
| McHenry County Illinois | 1 | $ 167,000 | $ 167,000 | $ 104,000 |
| McLean County Illinois | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Ogle County Illinois | 1 | $ 184,000 | $ 184,000 | $ 175,000 |
| Peoria County Illinois | 1 | $ 129,000 | $ 129,000 | $ 165,000 |
| Will County Illinois | 1 | $ 91,000 | $ 91,000 | $ 103,000 |
| Baraga County Michigan | 1 | $ 152,000 | $ 152,000 | $ 281,000 |
| Gogebic County Michigan | 1 | $ 360,000 | $ 360,000 | $ 141,000 |
| Kalamazoo County Michigan | 1 | $ 147,000 | $ 147,000 | $ 51,000 |
| Menominee County Michigan | 1 | $ 130,000 | $ 130,000 | $ 200,000 |
| Schoolcraft County Michigan | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Anoka County Minnesota | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Chisago County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Cook County Minnesota | 1 | $ 102,000 | $ 102,000 | $ 117,000 |
| Dakota County Minnesota | 1 | $ 163,000 | $ 163,000 | $ 66,000 |
| Isanti County Minnesota | 1 | $ 276,000 | $ 276,000 | $ 58,000 |
| Itasca County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 521,000 |
| Mille Lacs County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Washington County Minnesota | 1 | $ 78,000 | $ 78,000 | $ 182,000 |
| Gallatin County Montana | 1 | $ 350,000 | $ 350,000 | $ 622,000 |
| Beaufort County South Carolina | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Buffalo County Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Crawford County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 83,000 |
| Grant County Wisconsin | 1 | $ 227,000 | $ 227,000 | $ 175,000 |
| Pepin County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
| Pierce County Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 57,000 |
| Portage County Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 121,000 |
| Price County Wisconsin | 1 | $ 63,000 | $ 63,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Johnson Bank in 2005
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 | 2,652 | $547,566,000 | $315,666 | $3,700,000 | $169,555 | $2,514,000 |
| Refinancing | 2,044 | $335,534,000 | $269,200 | $6,700,000 | $157,400 | $1,972,000 |
| Home Improvement | 91 | $7,710,000 | $174,500 | $665,000 | $129,500 | $340,000 |
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 | 4,427 | $820,596,000 | $283,000 | $6,700,000 | $222,285 | $2,514,000 |
| Hispanic | 102 | $14,650,000 | $180,250 | $888,000 | $70,000 | $280,000 |
| Black or African American | 101 | $12,957,000 | $113,000 | $592,000 | $78,500 | $248,000 |
| Not applicable | 61 | $23,204,000 | $388,000 | $3,700,000 | $37,750 | $324,000 |
| Asian | 46 | $9,294,000 | $273,500 | $644,000 | $100,250 | $420,000 |
| Not Provided | 39 | $8,746,000 | $240,750 | $900,000 | $224,750 | $1,015,000 |
| American Indian or Alaskan Native | 9 | $1,307,000 | $107,000 | $320,000 | $116,500 | $958,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $56,000 | $28,000 | $33,000 | $94,000 | $123,000 |
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) | 4,787 | $890,810,000 | $316,000 | $6,700,000 | $167,777 | $2,514,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 3,729 | $693,788,000 | $314,142 | $6,700,000 | $217,857 | $2,514,000 |
| Application Withdrawn By Applicant | 325 | $73,326,000 | $337,200 | $2,000,000 | $172,800 | $1,009,000 |
| Application Denied By Financial Institution | 320 | $51,977,000 | $282,000 | $1,200,000 | $122,250 | $520,000 |
| Preapproval Denied by Financial Institution | 189 | $23,897,000 | $126,000 | $400,000 | $41,000 | $202,000 |
| Application Approved But Not Accepted | 164 | $34,619,000 | $345,500 | $1,650,000 | $85,500 | $1,000,000 |
| File Closed For Incompleteness | 44 | $8,971,000 | $295,000 | $900,000 | $91,500 | $390,000 |
| Loan Purchased By The Institution | 16 | $4,232,000 | $255,500 | $360,000 | $116,500 | $324,000 |
| Preapproval Approved but not Accepted | 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 | 282 | $36,424,000 | $181,200 | $375,000 | $136,200 | $387,000 |
| Debt-To-Income Ratio | 177 | $29,169,000 | $253,000 | $971,000 | $80,000 | $520,000 |
| Collateral | 20 | $3,958,000 | $147,500 | $549,000 | $105,000 | $313,000 |
| Other | 20 | $5,252,000 | $390,000 | $1,200,000 | $131,000 | $311,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $597,000 | $149,000 | $225,000 | $47,500 | $105,000 |
| Employment History | 3 | $303,000 | $117,000 | $166,000 | $38,500 | $56,000 |
| Credit Application Incomplete | 2 | $95,000 | $47,000 | $90,000 | $47,000 | $64,000 |
| Unverifiable Information | 1 | $76,000 | $76,000 | $76,000 | $13,000 | $13,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Johnson Bank's 2005 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.