Mid-Wisconsin Bank Mortgage Lending & HMDA Data, 2011
In 2011, Mid-Wisconsin Bank of Medford, WI reported 234 mortgage applications totaling $33.9 million, down 34% from 2010. The average application was for $144,987, and applicants reported an average income of $64,341. 38% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Wausau, WI (50), Eau Claire, WI (4) and Milwaukee-Waukesha-West Allis, WI (2) (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 | 234 |
| Total Mortgage Loan Application Amount | $33,927,000 |
| Average Mortgage Loan Application Amount | $144,987 |
| Highest Mortgage Loan Application Amount | $2,080,000 |
| Average Applicant Income | $64,341 |
| Highest Applicant Income | $485,000 |
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Act (HMDA) records Mid-Wisconsin Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 138 | $21,931,000 | $158,000 | $1,297,000 | $65,000 | $450,000 |
| Home Purchase | 62 | $9,490,000 | $153,000 | $2,080,000 | $68,000 | $485,000 |
| Home Improvement | 34 | $2,506,000 | $73,000 | $260,000 | $55,000 | $408,000 |
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 | 198 | $24,719,000 | $124,000 | $800,000 | $73,000 | $485,000 |
| Not applicable | 24 | $8,449,000 | $352,000 | $2,080,000 | $0 | $0 |
| Not Provided | 8 | $448,000 | $56,000 | $210,000 | $42,000 | $103,000 |
| Asian | 3 | $237,000 | $79,000 | $135,000 | $47,000 | $66,000 |
| Hispanic | 1 | $74,000 | $74,000 | $74,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 226 | $33,151,000 | $146,000 | $2,080,000 | $66,000 | $485,000 |
| FHA-insured (Federal Housing Administration) | 4 | $362,000 | $90,000 | $162,000 | $37,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $298,000 | $99,000 | $148,000 | $18,000 | $33,000 |
| VA-guaranteed (Veterans Administration) | 1 | $116,000 | $116,000 | $116,000 | $24,000 | $24,000 |
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 | 89 | $17,590,000 | $197,000 | $2,080,000 | $51,000 | $485,000 |
| Application Withdrawn By Applicant | 77 | $9,965,000 | $129,000 | $417,000 | $88,000 | $450,000 |
| Application Denied By Financial Institution | 63 | $6,043,000 | $95,000 | $417,000 | $55,000 | $300,000 |
| File Closed For Incompleteness | 3 | $182,000 | $60,000 | $82,000 | $70,000 | $142,000 |
| Application Approved But Not Accepted | 2 | $147,000 | $73,000 | $144,000 | $42,000 | $63,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 37 | $3,515,000 | $95,000 | $417,000 | $64,000 | $300,000 |
| Debt-To-Income Ratio | 16 | $1,992,000 | $124,000 | $328,000 | $34,000 | $61,000 |
| Collateral | 6 | $127,000 | $21,000 | $64,000 | $58,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $272,000 | $136,000 | $240,000 | $78,000 | $113,000 |
| Other | 2 | $137,000 | $68,000 | $78,000 | $22,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Wisconsin Bank's 2011 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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