Securant Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Securant Bank & Trust of Milwaukee, WI reported 74 mortgage applications totaling $11.0 million, up 35% from 2011. The average application was for $148,945, and applicants reported an average income of $194,932. 81% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (65), Racine, WI (3) and Lake County-Kenosha County, IL-WI (1) (applications in parentheses).
| Mortgage Company & Address | Securant Bank & Trust 6001 W Capitol Drive Milwaukee, WI 53216 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 74 |
| Total Mortgage Loan Application Amount | $11,022,000 |
| Average Mortgage Loan Application Amount | $148,945 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $194,932 |
| Highest Applicant Income | $8,557,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Securant Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Securant Bank & Trust 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 | 41 | $7,502,000 | $182,000 | $990,000 | $83,000 | $401,000 |
| Home Purchase | 30 | $3,426,000 | $114,000 | $310,000 | $343,000 | $8,557,000 |
| Home Improvement | 3 | $94,000 | $31,000 | $50,000 | $244,000 | $456,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 38 | $4,639,000 | $122,000 | $990,000 | $0 | $0 |
| White | 32 | $6,146,000 | $192,000 | $604,000 | $444,000 | $8,557,000 |
| Black or African American | 3 | $117,000 | $39,000 | $60,000 | $30,000 | $48,000 |
| Hispanic | 1 | $120,000 | $120,000 | $120,000 | $142,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 74 | $11,022,000 | $148,000 | $990,000 | $195,000 | $8,557,000 |
| 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 | 60 | $8,179,000 | $136,000 | $990,000 | $215,000 | $8,557,000 |
| Application Denied By Financial Institution | 13 | $2,648,000 | $203,000 | $417,000 | $110,000 | $246,000 |
| Application Withdrawn By Applicant | 1 | $195,000 | $195,000 | $195,000 | $97,000 | $97,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $15,000 | $15,000 | $15,000 | $22,000 | $22,000 |
| 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 Securant Bank & Trust'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 Securant Bank & Trust'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
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