Mid-Wisconsin Bank Mortgage Lending & HMDA Data, 2005
In 2005, Mid-Wisconsin Bank of Medford, WI reported 717 mortgage applications totaling $67.3 million, down 9% from 2004. The average application was for $93,906, and applicants reported an average income of $48,110. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Wausau, WI (108), Eau Claire, WI (9) and Milwaukee-Waukesha-West Allis, WI (3) (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 | 717 |
| Total Mortgage Loan Application Amount | $67,331,000 |
| Average Mortgage Loan Application Amount | $93,906 |
| Highest Mortgage Loan Application Amount | $6,850,000 |
| Average Applicant Income | $48,110 |
| Highest Applicant Income | $900,000 |
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Act (HMDA) records Mid-Wisconsin Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 379 | $42,891,000 | $292,000 | $6,850,000 | $47,000 | $900,000 |
| Home Purchase | 210 | $16,626,000 | $134,666 | $700,000 | $95,000 | $600,000 |
| Home Improvement | 128 | $7,814,000 | $61,000 | $638,000 | $67,000 | $484,000 |
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 | 667 | $55,244,000 | $110,250 | $6,850,000 | $74,500 | $900,000 |
| Not applicable | 37 | $10,883,000 | $614,500 | $1,231,000 | $0 | $0 |
| Hispanic | 10 | $724,000 | $72,000 | $339,000 | $43,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $90,000 | $90,000 | $90,000 | $51,000 | $51,000 |
| Asian | 1 | $222,000 | $222,000 | $222,000 | $72,000 | $72,000 |
| Black or African American | 1 | $168,000 | $168,000 | $168,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 717 | $67,331,000 | $207,750 | $6,850,000 | $63,500 | $900,000 |
| 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 | 629 | $60,334,000 | $208,250 | $6,850,000 | $65,250 | $900,000 |
| Application Denied By Financial Institution | 49 | $3,836,000 | $78,000 | $725,000 | $34,000 | $106,000 |
| Application Withdrawn By Applicant | 36 | $3,012,000 | $83,000 | $700,000 | $50,000 | $100,000 |
| File Closed For Incompleteness | 3 | $149,000 | $49,000 | $60,000 | $37,000 | $88,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 21 | $2,169,000 | $103,000 | $725,000 | $31,000 | $66,000 |
| Credit History | 17 | $902,000 | $53,000 | $168,000 | $30,000 | $62,000 |
| Collateral | 4 | $120,000 | $30,000 | $43,000 | $57,000 | $106,000 |
| Employment History | 2 | $92,000 | $46,000 | $74,000 | $66,000 | $99,000 |
| Unverifiable Information | 1 | $90,000 | $90,000 | $90,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Wisconsin 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 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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