Mid-Wisconsin Bank Mortgage Lending & HMDA Data, 2012
In 2012, Mid-Wisconsin Bank of Medford, WI reported 327 mortgage applications totaling $50.1 million, up 40% from 2011. The average application was for $153,143, and applicants reported an average income of $57,308. 53% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Wausau, WI (59), Eau Claire, WI (7) and Duluth, MN-WI (1) (applications in parentheses).
| Mortgage Company & Address | Mid-Wisconsin Bank 134 S 8th St Medford, WI 54451 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 327 |
| Total Mortgage Loan Application Amount | $50,078,000 |
| Average Mortgage Loan Application Amount | $153,143 |
| Highest Mortgage Loan Application Amount | $6,300,000 |
| Average Applicant Income | $57,308 |
| Highest Applicant Income | $616,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Wisconsin Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Mid-Wisconsin Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 224 | $38,843,000 | $173,000 | $6,300,000 | $55,000 | $616,000 |
| Home Purchase | 59 | $8,947,000 | $151,000 | $2,960,000 | $76,000 | $538,000 |
| Home Improvement | 44 | $2,288,000 | $52,000 | $470,000 | $44,000 | $241,000 |
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 | 261 | $28,706,000 | $109,000 | $950,000 | $67,000 | $616,000 |
| Not applicable | 36 | $19,058,000 | $529,000 | $6,300,000 | $0 | $0 |
| Not Provided | 25 | $1,877,000 | $75,000 | $193,000 | $41,000 | $91,000 |
| Hispanic | 3 | $123,000 | $41,000 | $45,000 | $57,000 | $72,000 |
| Asian | 2 | $314,000 | $157,000 | $230,000 | $69,000 | $98,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 323 | $49,233,000 | $152,000 | $6,300,000 | $58,000 | $616,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $845,000 | $211,000 | $373,000 | $38,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 173 | $22,840,000 | $132,000 | $2,960,000 | $50,000 | $616,000 |
| Application Denied By Financial Institution | 72 | $16,023,000 | $222,000 | $6,300,000 | $50,000 | $206,000 |
| Application Withdrawn By Applicant | 61 | $8,736,000 | $143,000 | $417,000 | $84,000 | $538,000 |
| File Closed For Incompleteness | 15 | $1,887,000 | $125,000 | $337,000 | $60,000 | $168,000 |
| Application Approved But Not Accepted | 6 | $592,000 | $98,000 | $348,000 | $77,000 | $339,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Wisconsin Bank's 2012 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 Mid-Wisconsin 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.
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