Johnson Bank Mortgage Lending & HMDA Data, 2015
In 2015, Johnson Bank of Racine, WI reported 6,782 mortgage applications totaling $1.6 billion, up 27% from 2014. The average application was for $242,525, and applicants reported an average income of $131,016. 73% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (1,307), Madison, WI (697) and Phoenix-Mesa-Scottsdale, AZ (636) (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 | 6,782 |
| Total Mortgage Loan Application Amount | $1,644,810,000 |
| Average Mortgage Loan Application Amount | $242,525 |
| Highest Mortgage Loan Application Amount | $22,695,000 |
| Average Applicant Income | $131,016 |
| Highest Applicant Income | $5,446,000 |
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Act (HMDA) records Johnson Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 1,307 | $ 379,323,000 | $ 290,224 | $ 152,000 |
| Madison, WI | 697 | $ 207,349,000 | $ 297,487 | $ 150,000 |
| Phoenix-Mesa-Scottsdale, AZ | 636 | $ 255,363,000 | $ 401,514 | $ 191,000 |
| Lake County-Kenosha County, IL-WI | 614 | $ 120,088,000 | $ 195,583 | $ 113,322 |
| Racine, WI | 596 | $ 103,807,000 | $ 174,172 | $ 97,000 |
| Janesville-Beloit, WI | 510 | $ 74,985,000 | $ 147,029 | $ 92,000 |
| Green Bay, WI | 314 | $ 64,028,000 | $ 203,910 | $ 104,000 |
| Appleton, WI | 235 | $ 49,577,000 | $ 210,965 | $ 120,000 |
| Oshkosh-Neenah, WI | 98 | $ 20,847,000 | $ 212,724 | $ 125,000 |
| Sheboygan, WI | 87 | $ 16,544,000 | $ 190,160 | $ 151,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 85 | $ 27,051,000 | $ 318,247 | $ 109,952 |
| Chicago-Naperville-Arlington Heights, IL | 32 | $ 9,053,000 | $ 282,906 | $ 154,000 |
| Tucson, AZ | 18 | $ 3,409,000 | $ 189,388 | $ 145,000 |
| Duluth, MN-WI | 14 | $ 2,328,000 | $ 166,285 | $ 131,357 |
| Eau Claire, WI | 13 | $ 1,543,000 | $ 118,692 | $ 56,000 |
| Prescott, AZ | 10 | $ 3,734,000 | $ 373,400 | $ 184,000 |
| Flagstaff, AZ | 9 | $ 4,074,000 | $ 452,666 | $ 252,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,518,000 | $ 253,000 | $ 365,000 |
| Rochester, MN | 6 | $ 962,000 | $ 160,333 | $ 90,000 |
| Rockford, IL | 5 | $ 573,000 | $ 114,600 | $ 74,000 |
| Wausau, WI | 5 | $ 1,003,000 | $ 200,600 | $ 162,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 3,814,000 | $ 953,500 | $ 727,000 |
| Fond Du Lac, WI | 3 | $ 1,140,000 | $ 380,000 | $ 307,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 692,000 | $ 230,666 | $ 153,000 |
| Yuma, AZ | 3 | $ 219,000 | $ 73,000 | $ 63,000 |
| Boulder, CO | 2 | $ 1,617,000 | $ 808,500 | $ 1,245,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 364,000 | $ 182,000 | $ 56,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 450,000 | $ 450,000 | $ 1,272,000 |
| Elgin, IL | 1 | $ 134,000 | $ 134,000 | $ 69,000 |
| Jacksonville, FL | 1 | $ 965,000 | $ 965,000 | $ 1,216,000 |
| Kalamazoo-Portage, MI | 1 | $ 178,000 | $ 178,000 | $ 122,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 134,000 | $ 134,000 | $ 70,000 |
| San Diego-Carlsbad, CA | 1 | $ 389,000 | $ 389,000 | $ 1,200,000 |
| Sioux Falls, SD | 1 | $ 22,695,000 | $ 22,695,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 63,000 | $ 63,000 | $ 212,000 |
Mortgage Loan Application Detail Totals for Johnson Bank in 2015
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 | 3,746 | $961,808,000 | $256,000 | $22,695,000 | $132,000 | $5,446,000 |
| Refinancing | 2,975 | $660,452,000 | $222,000 | $9,450,000 | $129,000 | $2,374,000 |
| Home Improvement | 61 | $22,550,000 | $369,000 | $1,760,000 | $169,000 | $1,116,000 |
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 | 5,983 | $1,389,020,000 | $232,000 | $3,000,000 | $135,000 | $5,446,000 |
| Hispanic | 219 | $33,117,000 | $151,000 | $612,000 | $79,000 | $692,000 |
| Asian | 195 | $51,374,000 | $263,000 | $3,000,000 | $149,000 | $1,049,000 |
| Not Provided | 162 | $45,828,000 | $282,000 | $4,000,000 | $120,000 | $1,642,000 |
| Black or African American | 95 | $18,852,000 | $198,000 | $1,010,000 | $93,000 | $564,000 |
| Not applicable | 93 | $98,894,000 | $1,063,000 | $22,695,000 | $0 | $40,000 |
| American Indian or Alaskan Native | 24 | $5,482,000 | $228,000 | $1,200,000 | $118,000 | $565,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,243,000 | $203,000 | $350,000 | $154,000 | $407,000 |
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) | 6,725 | $1,638,021,000 | $243,000 | $22,695,000 | $132,000 | $5,446,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $5,799,000 | $118,000 | $294,000 | $44,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 7 | $874,000 | $124,000 | $147,000 | $42,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 1 | $116,000 | $116,000 | $116,000 | $30,000 | $30,000 |
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 | 4,943 | $1,219,339,000 | $246,000 | $22,695,000 | $136,000 | $5,446,000 |
| Application Withdrawn By Applicant | 645 | $180,227,000 | $279,000 | $2,914,000 | $154,000 | $5,446,000 |
| Application Denied By Financial Institution | 523 | $125,982,000 | $240,000 | $4,000,000 | $116,000 | $1,642,000 |
| Preapproval Denied by Financial Institution | 495 | $77,934,000 | $157,000 | $1,192,000 | $68,000 | $570,000 |
| File Closed For Incompleteness | 91 | $24,687,000 | $271,000 | $948,000 | $129,000 | $1,035,000 |
| Loan Purchased By The Institution | 56 | $6,600,000 | $117,000 | $335,000 | $50,000 | $146,000 |
| Application Approved But Not Accepted | 29 | $10,041,000 | $346,000 | $1,500,000 | $351,000 | $2,883,000 |
| 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 | 547 | $97,278,000 | $177,000 | $2,305,000 | $90,000 | $1,476,000 |
| Debt-To-Income Ratio | 274 | $57,304,000 | $209,000 | $1,875,000 | $67,000 | $1,642,000 |
| Collateral | 124 | $27,244,000 | $219,000 | $1,350,000 | $137,000 | $687,000 |
| Employment History | 28 | $5,735,000 | $204,000 | $796,000 | $96,000 | $537,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,453,000 | $175,000 | $408,000 | $168,000 | $1,392,000 |
| Other | 14 | $2,012,000 | $143,000 | $400,000 | $98,000 | $230,000 |
| Credit Application Incomplete | 7 | $5,967,000 | $852,000 | $4,000,000 | $129,000 | $267,000 |
| Unverifiable Information | 4 | $1,572,000 | $393,000 | $658,000 | $404,000 | $1,026,000 |
| Mortgage Insurance Denied | 1 | $1,250,000 | $1,250,000 | $1,250,000 | $294,000 | $294,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Johnson Bank's 2015 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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