Johnson Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Johnson Bank 2023 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 | 4,596 |
| Total Mortgage Loan Application Amount | $1,325,590,000 |
| Average Mortgage Loan Application Amount | $201,500 |
| Highest Mortgage Loan Application Amount | $13,655,000 |
| Average Applicant Income | $138,500 |
| Highest Applicant Income | $8,594,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee County Wisconsin | 424 | $ 167,330,000 | $ 394,000 | $ 172,000 |
| Racine County Wisconsin | 420 | $ 91,660,000 | $ 218,000 | $ 129,000 |
| Rock County Wisconsin | 357 | $ 71,185,000 | $ 199,000 | $ 128,000 |
| Kenosha County Wisconsin | 282 | $ 62,870,000 | $ 222,000 | $ 154,000 |
| Waukesha County Wisconsin | 266 | $ 106,240,000 | $ 399,000 | $ 276,000 |
| Brown County Wisconsin | 264 | $ 77,130,000 | $ 292,000 | $ 170,000 |
| Dane County Wisconsin | 206 | $ 74,110,000 | $ 359,000 | $ 216,000 |
| Sawyer County Wisconsin | 82 | $ 17,670,000 | $ 215,000 | $ 132,000 |
| Jefferson County Wisconsin | 71 | $ 14,805,000 | $ 208,000 | $ 134,000 |
| Outagamie County Wisconsin | 70 | $ 15,610,000 | $ 223,000 | $ 131,000 |
| Ozaukee County Wisconsin | 61 | $ 22,875,000 | $ 375,000 | $ 259,000 |
| Sheboygan County Wisconsin | 54 | $ 11,820,000 | $ 218,000 | $ 136,000 |
| Barron County Wisconsin | 47 | $ 7,445,000 | $ 158,000 | $ 124,000 |
| Walworth County Wisconsin | 41 | $ 12,705,000 | $ 309,000 | $ 234,000 |
| Washington County Wisconsin | 41 | $ 13,095,000 | $ 319,000 | $ 200,000 |
| Oconto County Wisconsin | 38 | $ 10,490,000 | $ 276,000 | $ 167,000 |
| Door County Wisconsin | 33 | $ 15,415,000 | $ 467,000 | $ 242,000 |
| Winnebago County Wisconsin | 33 | $ 9,265,000 | $ 280,000 | $ 191,000 |
| Washburn County Wisconsin | 30 | $ 3,720,000 | $ 124,000 | $ 109,000 |
| Lake County Illinois | 24 | $ 8,380,000 | $ 349,000 | $ 182,000 |
| Manitowoc County Wisconsin | 24 | $ 5,030,000 | $ 209,000 | $ 119,000 |
| Marinette County Wisconsin | 24 | $ 5,940,000 | $ 247,000 | $ 133,000 |
| Calumet County Wisconsin | 18 | $ 4,720,000 | $ 262,000 | $ 138,000 |
| Cook County Illinois | 16 | $ 4,070,000 | $ 254,000 | $ 230,000 |
| Bayfield County Wisconsin | 16 | $ 3,950,000 | $ 246,000 | $ 164,000 |
| Shawano County Wisconsin | 13 | $ 3,555,000 | $ 273,000 | $ 183,000 |
| Dodge County Wisconsin | 12 | $ 3,080,000 | $ 256,000 | $ 245,000 |
| Oneida County Wisconsin | 11 | $ 3,185,000 | $ 289,000 | $ 167,000 |
| Sauk County Wisconsin | 11 | $ 3,105,000 | $ 282,000 | $ 580,000 |
| Kewaunee County Wisconsin | 10 | $ 3,350,000 | $ 335,000 | $ 131,000 |
| Vilas County Wisconsin | 9 | $ 3,315,000 | $ 368,000 | $ 503,000 |
| Maricopa County Arizona | 8 | $ 3,420,000 | $ 427,000 | $ 303,000 |
| Waupaca County Wisconsin | 8 | $ 2,360,000 | $ 295,000 | $ 130,000 |
| DuPage County Illinois | 7 | $ 1,675,000 | $ 239,000 | $ 114,000 |
| McHenry County Illinois | 7 | $ 1,835,000 | $ 262,000 | $ 183,000 |
| Winnebago County Illinois | 7 | $ 1,105,000 | $ 157,000 | $ 156,000 |
| Collier County Florida | 6 | $ 3,530,000 | $ 588,000 | $ 567,000 |
| Burnett County Wisconsin | 6 | $ 1,120,000 | $ 186,000 | $ 197,000 |
| Fond du Lac County Wisconsin | 6 | $ 2,090,000 | $ 348,000 | $ 172,000 |
| Green County Wisconsin | 6 | $ 840,000 | $ 140,000 | $ 106,000 |
| Marathon County Wisconsin | 6 | $ 1,480,000 | $ 246,000 | $ 143,000 |
| Adams County Wisconsin | 5 | $ 1,255,000 | $ 251,000 | $ 198,000 |
| Columbia County Wisconsin | 5 | $ 645,000 | $ 129,000 | $ 79,000 |
| Douglas County Wisconsin | 5 | $ 1,345,000 | $ 269,000 | $ 158,000 |
| Eau Claire County Wisconsin | 5 | $ 1,415,000 | $ 283,000 | $ 115,000 |
| Lee County Florida | 4 | $ 1,380,000 | $ 345,000 | $ 211,000 |
| Manatee County Florida | 4 | $ 1,600,000 | $ 400,000 | $ 695,000 |
| Pinellas County Florida | 4 | $ 1,330,000 | $ 332,000 | $ 403,000 |
| Hennepin County Minnesota | 4 | $ 1,410,000 | $ 352,000 | $ 192,000 |
| Price County Wisconsin | 4 | $ 1,030,000 | $ 257,000 | $ 308,000 |
| Waushara County Wisconsin | 4 | $ 1,010,000 | $ 252,000 | $ 170,000 |
| Pima County Arizona | 3 | $ 1,145,000 | $ 381,000 | $ 355,000 |
| Charlotte County Florida | 3 | $ 825,000 | $ 275,000 | $ 206,000 |
| Boone County Illinois | 3 | $ 715,000 | $ 238,000 | $ 110,000 |
| St. Louis County Minnesota | 3 | $ 455,000 | $ 151,000 | $ 50,000 |
| Ashland County Wisconsin | 3 | $ 195,000 | $ 65,000 | $ 65,000 |
| Chippewa County Wisconsin | 3 | $ 775,000 | $ 258,000 | $ 92,000 |
| Florence County Wisconsin | 3 | $ 415,000 | $ 138,000 | $ 153,000 |
| Grant County Wisconsin | 3 | $ 785,000 | $ 261,000 | $ 133,000 |
| Green Lake County Wisconsin | 3 | $ 3,385,000 | $ 1,128,000 | $ 611,000 |
| Juneau County Wisconsin | 3 | $ 1,925,000 | $ 641,000 | $ 401,000 |
| Langlade County Wisconsin | 3 | $ 405,000 | $ 135,000 | $ 143,000 |
| Marquette County Wisconsin | 3 | $ 785,000 | $ 261,000 | $ 289,000 |
| Portage County Wisconsin | 3 | $ 965,000 | $ 321,000 | $ 341,000 |
| Wood County Wisconsin | 3 | $ 385,000 | $ 128,000 | $ 58,000 |
| Denver County Colorado | 2 | $ 1,050,000 | $ 525,000 | $ 191,000 |
| Orange County Florida | 2 | $ 1,970,000 | $ 985,000 | $ 309,000 |
| Palm Beach County Florida | 2 | $ 1,100,000 | $ 550,000 | $ 238,000 |
| Sarasota County Florida | 2 | $ 3,340,000 | $ 1,670,000 | $ 4,763,000 |
| St. Johns County Florida | 2 | $ 880,000 | $ 440,000 | $ 306,000 |
| Kane County Illinois | 2 | $ 620,000 | $ 310,000 | $ 586,000 |
| Gallatin County Montana | 2 | $ 1,060,000 | $ 530,000 | $ 271,000 |
| Dunn County Wisconsin | 2 | $ 420,000 | $ 210,000 | $ 182,000 |
| Forest County Wisconsin | 2 | $ 1,230,000 | $ 615,000 | $ 470,000 |
| Iowa County Wisconsin | 2 | $ 540,000 | $ 270,000 | $ 141,000 |
| Rusk County Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 95,000 |
| Taylor County Wisconsin | 2 | $ 1,400,000 | $ 700,000 | $ 848,000 |
| Mohave County Arizona | 1 | $ 65,000 | $ 65,000 | $ 154,000 |
| Navajo County Arizona | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Pinal County Arizona | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Yavapai County Arizona | 1 | $ 505,000 | $ 505,000 | $ 147,000 |
| Benton County Arkansas | 1 | $ 375,000 | $ 375,000 | $ 118,000 |
| Adams County Colorado | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Douglas County Colorado | 1 | $ 525,000 | $ 525,000 | $ 150,000 |
| Garfield County Colorado | 1 | $ 515,000 | $ 515,000 | $ 135,000 |
| Gunnison County Colorado | 1 | $ 515,000 | $ 515,000 | $ 261,000 |
| Larimer County Colorado | 1 | $ 505,000 | $ 505,000 | $ 315,000 |
| Mesa County Colorado | 1 | $ 325,000 | $ 325,000 | $ 331,000 |
| Pitkin County Colorado | 1 | $ 1,005,000 | $ 1,005,000 | $ 8,594,000 |
| Broward County Florida | 1 | $ 645,000 | $ 645,000 | $ 360,000 |
| Hillsborough County Florida | 1 | $ 135,000 | $ 135,000 | $ 158,000 |
| Lake County Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Osceola County Florida | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| St. Lucie County Florida | 1 | $ 195,000 | $ 195,000 | $ 187,000 |
| Sumter County Florida | 1 | $ 265,000 | $ 265,000 | $ 733,000 |
| Volusia County Florida | 1 | $ 225,000 | $ 225,000 | $ 231,000 |
| Spalding County Georgia | 1 | $ 255,000 | $ 255,000 | $ 191,000 |
| LaSalle County Illinois | 1 | $ 325,000 | $ 325,000 | $ 191,000 |
| Lee County Illinois | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Clayton County Iowa | 1 | $ 345,000 | $ 345,000 | $ 99,000 |
| Worth County Iowa | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Jefferson County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Baraga County Michigan | 1 | $ 605,000 | $ 605,000 | $ 176,000 |
| Cass County Michigan | 1 | $ 725,000 | $ 725,000 | $ 235,000 |
| Crawford County Michigan | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Delta County Michigan | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Luce County Michigan | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Midland County Michigan | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Ottawa County Michigan | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Anoka County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Cass County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 76,000 |
| Dakota County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| Goodhue County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 198,000 |
| Itasca County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 175,000 |
| Kanabec County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Olmsted County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 326,000 |
| Sibley County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Washington County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| St. Charles County Missouri | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Missoula County Montana | 1 | $ 695,000 | $ 695,000 | $ 224,000 |
| Bernalillo County New Mexico | 1 | $ 415,000 | $ 415,000 | $ 236,000 |
| Franklin County North Carolina | 1 | $ 435,000 | $ 435,000 | $ 92,000 |
| Guilford County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 315,000 |
| Davidson County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 507,000 |
| Rhea County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 144,000 |
| Williamson County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 225,000 |
| Summit County Utah | 1 | $ 955,000 | $ 955,000 | $ 520,000 |
| Clark County Washington | 1 | $ 605,000 | $ 605,000 | $ 325,000 |
| Pierce County Washington | 1 | $ 875,000 | $ 875,000 | $ 282,000 |
| Lincoln County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Pierce County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Polk County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 393,000 |
| St. Croix County Wisconsin | 1 | $ 445,000 | $ 445,000 | $ 198,000 |
Mortgage Loan Application Detail Totals for Johnson Bank in 2023
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 | 3,113 | $1,080,185,000 | $346,000 | $13,655,000 | $159,000 | $8,594,000 |
| Other Purpose | 651 | $91,025,000 | $139,000 | $2,005,000 | $162,000 | $1,797,000 |
| Home Improvement | 435 | $52,235,000 | $120,000 | $1,005,000 | $181,000 | $8,594,000 |
| Refinancing | 268 | $73,190,000 | $273,000 | $8,705,000 | $198,000 | $2,940,000 |
| Cash-out Refinancing | 123 | $28,345,000 | $230,000 | $1,755,000 | $131,000 | $720,000 |
| Not Applicable | 6 | $610,000 | $101,000 | $145,000 | $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 | 3,635 | $1,033,455,000 | $284,000 | $3,905,000 | $176,000 | $8,594,000 |
| Hispanic | 412 | $77,560,000 | $188,000 | $1,055,000 | $84,000 | $779,000 |
| Black or African American | 236 | $45,220,000 | $191,000 | $1,505,000 | $84,000 | $543,000 |
| Not Provided | 120 | $44,560,000 | $371,000 | $1,505,000 | $184,000 | $1,626,000 |
| Asian | 98 | $33,940,000 | $346,000 | $1,285,000 | $169,000 | $653,000 |
| Not applicable | 50 | $75,760,000 | $1,515,000 | $13,655,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $2,255,000 | $132,000 | $295,000 | $63,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,050,000 | $525,000 | $1,005,000 | $327,000 | $530,000 |
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) | 4,571 | $1,320,025,000 | $288,000 | $13,655,000 | $163,000 | $8,594,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,235,000 | $227,000 | $385,000 | $73,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $330,000 | $165,000 | $195,000 | $71,000 | $94,000 |
| 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 | 2,673 | $796,375,000 | $297,000 | $13,655,000 | $191,000 | $8,594,000 |
| Preapproval Approved but not Accepted | 987 | $313,645,000 | $317,000 | $2,005,000 | $130,000 | $1,652,000 |
| Preapproval Denied by Financial Institution | 368 | $77,180,000 | $209,000 | $1,605,000 | $94,000 | $3,002,000 |
| Application Denied By Financial Institution | 306 | $52,400,000 | $171,000 | $2,005,000 | $103,000 | $1,072,000 |
| Application Approved But Not Accepted | 132 | $40,080,000 | $303,000 | $1,855,000 | $166,000 | $1,102,000 |
| Application Withdrawn By Applicant | 102 | $36,580,000 | $358,000 | $2,005,000 | $181,000 | $1,626,000 |
| File Closed For Incompleteness | 14 | $8,010,000 | $572,000 | $2,405,000 | $188,000 | $377,000 |
| Loan Purchased By The Institution | 14 | $1,320,000 | $94,000 | $185,000 | $58,000 | $65,000 |
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 | 3,922 | $1,196,010,000 | $304,000 | $13,655,000 | $174,000 | $8,594,000 |
| Credit History | 285 | $47,605,000 | $167,000 | $725,000 | $89,000 | $1,877,000 |
| Debt-To-Income Ratio | 212 | $46,000,000 | $216,000 | $1,605,000 | $66,000 | $365,000 |
| Collateral | 82 | $11,300,000 | $137,000 | $2,005,000 | $138,000 | $1,072,000 |
| Credit Application Incomplete | 59 | $15,515,000 | $262,000 | $725,000 | $153,000 | $3,002,000 |
| Employment History | 12 | $1,730,000 | $144,000 | $285,000 | $55,000 | $94,000 |
| Other | 10 | $3,440,000 | $344,000 | $975,000 | $406,000 | $2,432,000 |
| Unverifiable Information | 9 | $2,725,000 | $302,000 | $625,000 | $130,000 | $497,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $930,000 | $232,000 | $365,000 | $109,000 | $190,000 |
| Mortgage Insurance Denied | 1 | $335,000 | $335,000 | $335,000 | $81,000 | $81,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Johnson Bank's 2023 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.
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with aggregated HMDA statistics today.