Johnson Bank Mortgage Lending & HMDA Data, 2024

In 2024, Johnson Bank of Racine, WI reported 4,804 mortgage applications totaling $1.5 billion, up 5% from 2023. The average application was for $304,700, and applicants reported an average income of $176,713. 66% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (942), Racine, WI (411) and Janesville-Beloit, WI (406) (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 4,804
Total Mortgage Loan Application Amount $1,463,780,000
Average Mortgage Loan Application Amount $304,700
Highest Mortgage Loan Application Amount $13,275,000
Average Applicant Income $176,713
Highest Applicant Income $5,332,000

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Act (HMDA) records Johnson Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Milwaukee, Wisconsin 486 $ 148,340,000 $ 305,226 $ 178,000
Racine, Wisconsin 411 $ 98,505,000 $ 239,671 $ 142,000
Rock, Wisconsin 406 $ 90,920,000 $ 223,940 $ 123,000
Waukesha, Wisconsin 331 $ 134,695,000 $ 406,933 $ 260,000
Dane, Wisconsin 300 $ 110,710,000 $ 369,033 $ 258,000
Kenosha, Wisconsin 296 $ 79,430,000 $ 268,344 $ 181,000
Brown, Wisconsin 288 $ 85,030,000 $ 295,243 $ 187,000
Outagamie, Wisconsin 98 $ 23,080,000 $ 235,510 $ 149,000
Sawyer, Wisconsin 94 $ 19,720,000 $ 209,787 $ 163,000
Jefferson, Wisconsin 86 $ 17,750,000 $ 206,395 $ 105,000
Ozaukee, Wisconsin 75 $ 28,005,000 $ 373,400 $ 273,000
Sheboygan, Wisconsin 69 $ 16,595,000 $ 240,507 $ 183,000
Walworth, Wisconsin 66 $ 19,830,000 $ 300,454 $ 167,000
Barron, Wisconsin 65 $ 12,475,000 $ 191,923 $ 154,000
Oconto, Wisconsin 55 $ 13,385,000 $ 243,363 $ 145,000
Door, Wisconsin 54 $ 26,280,000 $ 486,666 $ 407,000
Washington, Wisconsin 50 $ 16,810,000 $ 336,200 $ 198,000
Winnebago, Wisconsin 48 $ 11,160,000 $ 232,500 $ 164,000
Washburn, Wisconsin 37 $ 7,565,000 $ 204,459 $ 119,000
Lake, Illinois 30 $ 8,580,000 $ 286,000 $ 168,000
Bayfield, Wisconsin 27 $ 5,525,000 $ 204,629 $ 181,000
Calumet, Wisconsin 27 $ 8,325,000 $ 308,333 $ 237,000
Manitowoc, Wisconsin 24 $ 6,030,000 $ 251,250 $ 178,000
Winnebago, Illinois 21 $ 4,185,000 $ 199,285 $ 97,000
Marinette, Wisconsin 20 $ 5,520,000 $ 276,000 $ 151,000
Shawano, Wisconsin 17 $ 4,765,000 $ 280,294 $ 147,000
Vilas, Wisconsin 17 $ 7,675,000 $ 451,470 $ 492,000
Dodge, Wisconsin 16 $ 4,890,000 $ 305,625 $ 116,000
Oneida, Wisconsin 15 $ 6,645,000 $ 443,000 $ 310,000
Maricopa, Arizona 14 $ 6,040,000 $ 431,428 $ 266,000
Cook, Illinois 14 $ 4,480,000 $ 320,000 $ 442,000
Kewaunee, Wisconsin 13 $ 3,705,000 $ 285,000 $ 130,000
Fond du Lac, Wisconsin 12 $ 3,000,000 $ 250,000 $ 136,000
Sauk, Wisconsin 12 $ 4,960,000 $ 413,333 $ 458,000
Waupaca, Wisconsin 10 $ 12,630,000 $ 1,263,000 $ 108,000
McHenry, Illinois 7 $ 1,755,000 $ 250,714 $ 295,000
Adams, Wisconsin 7 $ 1,535,000 $ 219,285 $ 124,000
Columbia, Wisconsin 7 $ 2,745,000 $ 392,142 $ 231,000
Green, Wisconsin 7 $ 1,455,000 $ 207,857 $ 114,000
La Crosse, Wisconsin 7 $ 26,265,000 $ 3,752,142 $ 187,000
Waushara, Wisconsin 7 $ 1,165,000 $ 166,428 $ 181,000
Lee, Florida 6 $ 2,280,000 $ 380,000 $ 1,125,000
Pinellas, Florida 6 $ 2,990,000 $ 498,333 $ 550,000
DuPage, Illinois 6 $ 3,220,000 $ 536,666 $ 259,000
Hennepin, Minnesota 6 $ 2,280,000 $ 380,000 $ 207,000
Burnett, Wisconsin 6 $ 1,730,000 $ 288,333 $ 156,000
Green Lake, Wisconsin 6 $ 2,890,000 $ 481,666 $ 262,000
Marathon, Wisconsin 6 $ 2,100,000 $ 350,000 $ 240,000
Will, Illinois 5 $ 2,325,000 $ 465,000 $ 431,000
Chippewa, Wisconsin 5 $ 1,285,000 $ 257,000 $ 219,000
Iowa, Wisconsin 5 $ 1,125,000 $ 225,000 $ 118,000
Price, Wisconsin 5 $ 1,155,000 $ 231,000 $ 77,000
Manatee, Florida 4 $ 980,000 $ 245,000 $ 162,000
St. Johns, Florida 4 $ 2,140,000 $ 535,000 $ 346,000
Washington, Minnesota 4 $ 1,690,000 $ 422,500 $ 285,000
Beaufort, South Carolina 4 $ 1,900,000 $ 475,000 $ 238,000
Douglas, Wisconsin 4 $ 1,340,000 $ 335,000 $ 151,000
Eau Claire, Wisconsin 4 $ 780,000 $ 195,000 $ 62,000
Pima, Arizona 3 $ 1,095,000 $ 365,000 $ 371,000
Adams, Colorado 3 $ 575,000 $ 191,666 $ 183,000
Arapahoe, Colorado 3 $ 1,165,000 $ 388,333 $ 253,000
Palm Beach, Florida 3 $ 9,125,000 $ 3,041,666 $ 358,000
Marion, Indiana 3 $ 625,000 $ 208,333 $ 65,000
Anoka, Minnesota 3 $ 555,000 $ 185,000 $ 147,000
Ramsey, Minnesota 3 $ 1,395,000 $ 465,000 $ 121,000
Sherburne, Minnesota 3 $ 6,965,000 $ 2,321,666 $ 127,000
Ashland, Wisconsin 3 $ 395,000 $ 131,666 $ 107,000
Dunn, Wisconsin 3 $ 715,000 $ 238,333 $ 108,000
Juneau, Wisconsin 3 $ 1,405,000 $ 468,333 $ 243,000
Lincoln, Wisconsin 3 $ 1,835,000 $ 611,666 $ 395,000
Pierce, Wisconsin 3 $ 995,000 $ 331,666 $ 119,000
Richland, Wisconsin 3 $ 535,000 $ 178,333 $ 193,000
Rusk, Wisconsin 3 $ 635,000 $ 211,666 $ 70,000
Pinal, Arizona 2 $ 450,000 $ 225,000 $ 212,000
Eagle, Colorado 2 $ 1,430,000 $ 715,000 $ 310,000
Pitkin, Colorado 2 $ 3,470,000 $ 1,735,000 $ 5,017,000
Citrus, Florida 2 $ 570,000 $ 285,000 $ 124,000
Collier, Florida 2 $ 560,000 $ 280,000 $ 1,513,000
St. Lucie, Florida 2 $ 400,000 $ 200,000 $ 98,000
Sumter, Florida 2 $ 580,000 $ 290,000 $ 127,000
Kane, Illinois 2 $ 900,000 $ 450,000 $ 813,000
McLean, Illinois 2 $ 500,000 $ 250,000 $ 164,000
Sangamon, Illinois 2 $ 300,000 $ 150,000 $ 0
Baraga, Michigan 2 $ 860,000 $ 430,000 $ 113,000
Dakota, Minnesota 2 $ 1,000,000 $ 500,000 $ 627,000
Harrison, Mississippi 2 $ 610,000 $ 305,000 $ 253,000
Harris, Texas 2 $ 690,000 $ 345,000 $ 152,000
Marquette, Wisconsin 2 $ 230,000 $ 115,000 $ 186,000
Menominee, Wisconsin 2 $ 1,230,000 $ 615,000 $ 308,000
Polk, Wisconsin 2 $ 640,000 $ 320,000 $ 247,000
Portage, Wisconsin 2 $ 670,000 $ 335,000 $ 249,000
Wood, Wisconsin 2 $ 290,000 $ 145,000 $ 94,000
Coconino, Arizona 1 $ 1,205,000 $ 1,205,000 $ 595,000
Yavapai, Arizona 1 $ 215,000 $ 215,000 $ 291,000
Benton, Arkansas 1 $ 365,000 $ 365,000 $ 113,000
Marion, Arkansas 1 $ 245,000 $ 245,000 $ 440,000
Saline, Arkansas 1 $ 295,000 $ 295,000 $ 71,000
Denver, Colorado 1 $ 45,000 $ 45,000 $ 190,000
Douglas, Colorado 1 $ 255,000 $ 255,000 $ 61,000
Gunnison, Colorado 1 $ 415,000 $ 415,000 $ 174,000
Jefferson, Colorado 1 $ 465,000 $ 465,000 $ 199,000
Lake, Colorado 1 $ 1,225,000 $ 1,225,000 $ 724,000
Mesa, Colorado 1 $ 325,000 $ 325,000 $ 331,000
Montrose, Colorado 1 $ 485,000 $ 485,000 $ 155,000
Pueblo, Colorado 1 $ 105,000 $ 105,000 $ 61,000
Weld, Colorado 1 $ 415,000 $ 415,000 $ 98,000
Bay, Florida 1 $ 635,000 $ 635,000 $ 692,000
Broward, Florida 1 $ 105,000 $ 105,000 $ 253,000
Charlotte, Florida 1 $ 405,000 $ 405,000 $ 140,000
Duval, Florida 1 $ 405,000 $ 405,000 $ 421,000
Lake, Florida 1 $ 315,000 $ 315,000 $ 0
Martin, Florida 1 $ 10,005,000 $ 10,005,000 $ 0
Santa Rosa, Florida 1 $ 135,000 $ 135,000 $ 115,000
Sarasota, Florida 1 $ 165,000 $ 165,000 $ 62,000
Fayette, Georgia 1 $ 405,000 $ 405,000 $ 132,000
Glynn, Georgia 1 $ 255,000 $ 255,000 $ 138,000
Boone, Illinois 1 $ 125,000 $ 125,000 $ 645,000
Champaign, Illinois 1 $ 375,000 $ 375,000 $ 189,000
Grundy, Illinois 1 $ 165,000 $ 165,000 $ 125,000
LaSalle, Illinois 1 $ 215,000 $ 215,000 $ 73,000
Lee, Illinois 1 $ 195,000 $ 195,000 $ 114,000
Stephenson, Illinois 1 $ 285,000 $ 285,000 $ 102,000
Brown, Indiana 1 $ 445,000 $ 445,000 $ 164,000
Hamilton, Indiana 1 $ 355,000 $ 355,000 $ 188,000
Hendricks, Indiana 1 $ 345,000 $ 345,000 $ 135,000
Tippecanoe, Indiana 1 $ 255,000 $ 255,000 $ 270,000
Dickinson, Iowa 1 $ 575,000 $ 575,000 $ 220,000
Dubuque, Iowa 1 $ 125,000 $ 125,000 $ 86,000
Plymouth, Iowa 1 $ 375,000 $ 375,000 $ 276,000
Worth, Iowa 1 $ 65,000 $ 65,000 $ 19,000
Jefferson, Kentucky 1 $ 265,000 $ 265,000 $ 66,000
Warren, Kentucky 1 $ 325,000 $ 325,000 $ 172,000
Benzie, Michigan 1 $ 225,000 $ 225,000 $ 315,000
Dickinson, Michigan 1 $ 245,000 $ 245,000 $ 246,000
Luce, Michigan 1 $ 165,000 $ 165,000 $ 175,000
Marquette, Michigan 1 $ 255,000 $ 255,000 $ 125,000
Menominee, Michigan 1 $ 255,000 $ 255,000 $ 91,000
Oakland, Michigan 1 $ 255,000 $ 255,000 $ 0
St. Joseph, Michigan 1 $ 135,000 $ 135,000 $ 260,000
Brown, Minnesota 1 $ 45,000 $ 45,000 $ 124,000
Chisago, Minnesota 1 $ 425,000 $ 425,000 $ 190,000
Lake, Minnesota 1 $ 515,000 $ 515,000 $ 205,000
Olmsted, Minnesota 1 $ 405,000 $ 405,000 $ 175,000
Scott, Minnesota 1 $ 315,000 $ 315,000 $ 240,000
St. Louis, Minnesota 1 $ 245,000 $ 245,000 $ 141,000
Cape Girardeau, Missouri 1 $ 415,000 $ 415,000 $ 183,000
Flathead, Montana 1 $ 755,000 $ 755,000 $ 205,000
Columbia, New York 1 $ 1,285,000 $ 1,285,000 $ 0
Cumberland, North Carolina 1 $ 335,000 $ 335,000 $ 114,000
Franklin, North Carolina 1 $ 435,000 $ 435,000 $ 91,000
Iredell, North Carolina 1 $ 755,000 $ 755,000 $ 0
Moore, North Carolina 1 $ 295,000 $ 295,000 $ 99,000
Union, North Carolina 1 $ 675,000 $ 675,000 $ 246,000
Wake, North Carolina 1 $ 265,000 $ 265,000 $ 86,000
Clermont, Ohio 1 $ 725,000 $ 725,000 $ 314,000
Miami, Ohio 1 $ 215,000 $ 215,000 $ 120,000
Horry, South Carolina 1 $ 275,000 $ 275,000 $ 124,000
Humphreys, Tennessee 1 $ 405,000 $ 405,000 $ 179,000
Rhea, Tennessee 1 $ 305,000 $ 305,000 $ 126,000
Williamson, Tennessee 1 $ 2,785,000 $ 2,785,000 $ 0
Ellis, Texas 1 $ 305,000 $ 305,000 $ 125,000
Travis, Texas 1 $ 265,000 $ 265,000 $ 93,000
Clark, Wisconsin 1 $ 365,000 $ 365,000 $ 247,000
Crawford, Wisconsin 1 $ 45,000 $ 45,000 $ 20,000
Florence, Wisconsin 1 $ 255,000 $ 255,000 $ 377,000
Forest, Wisconsin 1 $ 725,000 $ 725,000 $ 286,000
Iron, Wisconsin 1 $ 695,000 $ 695,000 $ 506,000
Langlade, Wisconsin 1 $ 55,000 $ 55,000 $ 153,000
Monroe, Wisconsin 1 $ 235,000 $ 235,000 $ 280,000
St. Croix, Wisconsin 1 $ 275,000 $ 275,000 $ 103,000
Taylor, Wisconsin 1 $ 45,000 $ 45,000 $ 23,000
Trempealeau, Wisconsin 1 $ 55,000 $ 55,000 $ 307,000
Vernon, Wisconsin 1 $ 105,000 $ 105,000 $ 40,000

Mortgage Loan Application Detail Totals for Johnson Bank in 2024

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 2,944 $1,057,160,000 $359,000 $13,275,000 $160,000 $3,781,000
Other Purpose 650 $91,830,000 $141,000 $1,725,000 $187,000 $3,591,000
Refinancing 539 $200,055,000 $371,000 $9,005,000 $247,000 $5,017,000
Home Improvement 467 $64,085,000 $137,000 $1,205,000 $206,000 $5,332,000
Cash-out Refinancing 188 $48,730,000 $259,000 $1,175,000 $140,000 $780,000
Not Applicable 16 $1,920,000 $120,000 $555,000 $43,000 $43,000

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 3,821 $1,117,855,000 $292,000 $3,005,000 $189,000 $5,332,000
Hispanic 373 $78,125,000 $209,000 $2,635,000 $100,000 $1,947,000
Black or African American 261 $53,965,000 $206,000 $765,000 $92,000 $645,000
Asian 157 $56,495,000 $359,000 $1,185,000 $209,000 $1,403,000
Not Provided 116 $44,070,000 $379,000 $2,005,000 $173,000 $1,406,000
Not applicable 62 $109,010,000 $1,758,000 $13,275,000 $0 $0
American Indian or Alaskan Native 12 $3,870,000 $322,000 $725,000 $122,000 $239,000
Native Hawaiian or Other Pacific Islander 2 $390,000 $195,000 $305,000 $102,000 $179,000

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) 4,775 $1,454,385,000 $304,000 $13,275,000 $177,000 $5,332,000
VA-guaranteed (Veterans Administration) 28 $9,290,000 $331,000 $705,000 $119,000 $299,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $105,000 $105,000 $105,000 $28,000 $28,000
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 3,154 $1,011,990,000 $320,000 $13,275,000 $202,000 $5,332,000
Preapproval Approved but not Accepted 487 $162,585,000 $333,000 $2,005,000 $136,000 $1,406,000
Preapproval Denied by Financial Institution 417 $91,555,000 $219,000 $1,355,000 $84,000 $2,230,000
Application Denied By Financial Institution 340 $61,880,000 $182,000 $1,765,000 $106,000 $1,099,000
Application Approved But Not Accepted 224 $72,890,000 $325,000 $1,725,000 $175,000 $1,758,000
Application Withdrawn By Applicant 153 $57,975,000 $378,000 $1,845,000 $223,000 $3,600,000
Loan Purchased By The Institution 16 $1,920,000 $120,000 $555,000 $43,000 $43,000
File Closed For Incompleteness 13 $2,985,000 $229,000 $605,000 $117,000 $222,000

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 4,047 $1,310,345,000 $323,000 $13,275,000 $193,000 $5,332,000
Credit History 319 $57,005,000 $178,000 $885,000 $98,000 $2,230,000
Debt-To-Income Ratio 247 $58,165,000 $235,000 $1,765,000 $74,000 $352,000
Credit Application Incomplete 72 $16,780,000 $233,000 $765,000 $106,000 $936,000
Collateral 65 $9,545,000 $146,000 $575,000 $127,000 $572,000
Employment History 22 $3,030,000 $137,000 $365,000 $36,000 $83,000
Other 17 $4,645,000 $273,000 $705,000 $140,000 $357,000
Unverifiable Information 11 $2,935,000 $266,000 $725,000 $145,000 $1,099,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,330,000 $332,000 $655,000 $146,000 $228,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Johnson Bank's 2024 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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