The Baraboo National Bank Mortgage Lending & HMDA Data, 2011
In 2011, The Baraboo National Bank of Baraboo, WI reported 1,114 mortgage applications totaling $130.9 million, down 10% from 2010. The average application was for $117,491, and applicants reported an average income of $74,940. 63% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Madison, WI (129), Fond Du Lac, WI (6) and Milwaukee-Waukesha-West Allis, WI (4) (applications in parentheses).
| Mortgage Company & Address | The Baraboo National Bank 101 Third Avenue, Po Box 50 Baraboo, WI 53913 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,114 |
| Total Mortgage Loan Application Amount | $130,885,000 |
| Average Mortgage Loan Application Amount | $117,491 |
| Highest Mortgage Loan Application Amount | $6,660,000 |
| Average Applicant Income | $74,940 |
| Highest Applicant Income | $2,733,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Baraboo National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Madison, WI | 129 | $ 18,646,000 | $ 144,542 | $ 87,000 |
| Fond Du Lac, WI | 6 | $ 653,000 | $ 108,833 | $ 86,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 536,000 | $ 134,000 | $ 96,000 |
| La Crosse, WI-MN | 3 | $ 234,000 | $ 78,000 | $ 52,000 |
| Green Bay, WI | 2 | $ 281,000 | $ 140,500 | $ 101,000 |
| Janesville, WI | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Las Vegas-Paradise, NV | 1 | $ 153,000 | $ 153,000 | $ 112,000 |
| Naples-Marco Island, FL | 1 | $ 325,000 | $ 325,000 | $ 504,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for The Baraboo National 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 | 707 | $91,409,000 | $129,000 | $6,660,000 | $75,000 | $1,134,000 |
| Home Purchase | 286 | $30,547,000 | $106,000 | $577,000 | $79,000 | $2,733,000 |
| Home Improvement | 121 | $8,929,000 | $73,000 | $378,000 | $65,000 | $388,000 |
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 | 1,032 | $112,694,000 | $109,000 | $1,010,000 | $75,000 | $2,733,000 |
| Not Provided | 52 | $6,494,000 | $124,000 | $376,000 | $86,000 | $572,000 |
| Hispanic | 12 | $1,098,000 | $91,000 | $169,000 | $60,000 | $89,000 |
| Not applicable | 11 | $9,241,000 | $840,000 | $6,660,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $812,000 | $203,000 | $280,000 | $151,000 | $362,000 |
| Asian | 3 | $546,000 | $182,000 | $235,000 | $76,000 | $156,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,069 | $126,230,000 | $118,000 | $6,660,000 | $77,000 | $2,733,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $4,655,000 | $103,000 | $222,000 | $33,000 | $67,000 |
| 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 | 703 | $78,380,000 | $111,000 | $6,660,000 | $79,000 | $2,733,000 |
| Application Denied By Financial Institution | 260 | $33,546,000 | $129,000 | $1,376,000 | $61,000 | $504,000 |
| Application Approved But Not Accepted | 138 | $17,726,000 | $128,000 | $465,000 | $83,000 | $663,000 |
| Application Withdrawn By Applicant | 5 | $444,000 | $88,000 | $149,000 | $62,000 | $174,000 |
| File Closed For Incompleteness | 4 | $619,000 | $154,000 | $182,000 | $62,000 | $75,000 |
| Preapproval Denied by Financial Institution | 3 | $3,000 | $1,000 | $1,000 | $43,000 | $58,000 |
| Preapproval Approved but not Accepted | 1 | $167,000 | $167,000 | $167,000 | $37,000 | $37,000 |
| Loan Purchased By The 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 | 83 | $12,480,000 | $150,000 | $1,376,000 | $48,000 | $161,000 |
| Credit History | 82 | $7,449,000 | $90,000 | $250,000 | $52,000 | $300,000 |
| Collateral | 60 | $8,361,000 | $139,000 | $378,000 | $79,000 | $362,000 |
| Other | 16 | $2,582,000 | $161,000 | $325,000 | $100,000 | $504,000 |
| Employment History | 12 | $1,428,000 | $119,000 | $280,000 | $50,000 | $144,000 |
| Unverifiable Information | 5 | $541,000 | $108,000 | $169,000 | $48,000 | $72,000 |
| Credit Application Incomplete | 2 | $228,000 | $114,000 | $159,000 | $68,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $257,000 | $163,000 | $300,000 |
| Mortgage Insurance Denied | 1 | $180,000 | $180,000 | $180,000 | $101,000 | $101,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Baraboo National 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 The Baraboo National 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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