Union Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Union Bank & Trust Company of Evansville, WI reported 251 mortgage applications totaling $27.8 million, down 64% from 2003. The average application was for $110,629, and applicants reported an average income of $61,936. 93% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Janesville, WI (126), Madison, WI (76) and Fond Du Lac, WI (1) (applications in parentheses).
| Mortgage Company & Address | Union Bank & Trust Company 2 E Main Street Evansville, WI 53536 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 251 |
| Total Mortgage Loan Application Amount | $27,768,000 |
| Average Mortgage Loan Application Amount | $110,629 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $61,936 |
| Highest Applicant Income | $311,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Union Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rock, Wisconsin | 126 | $ 12,432,000 | $ 98,666 | $ 55,000 |
| Dane, Wisconsin | 73 | $ 9,844,000 | $ 134,849 | $ 64,000 |
| Green, Wisconsin | 41 | $ 4,378,000 | $ 106,780 | $ 58,000 |
| Iowa, Wisconsin | 2 | $ 155,000 | $ 77,500 | $ 94,000 |
| Jefferson, Wisconsin | 2 | $ 177,000 | $ 88,500 | $ 42,000 |
| Richland, Wisconsin | 2 | $ 221,000 | $ 110,500 | $ 47,000 |
| Columbia, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Dodge, Wisconsin | 1 | $ 21,000 | $ 21,000 | $ 66,000 |
| Fond du Lac, Wisconsin | 1 | $ 256,000 | $ 256,000 | $ 145,000 |
| Sawyer, Wisconsin | 1 | $ 124,000 | $ 124,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Union Bank & Trust Company in 2004
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 | 178 | $19,235,000 | $108,000 | $400,000 | $62,000 | $182,000 |
| Home Purchase | 63 | $8,124,000 | $129,000 | $270,000 | $59,500 | $311,000 |
| Home Improvement | 10 | $409,000 | $40,000 | $159,000 | $67,000 | $107,000 |
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 | 243 | $27,208,000 | $120,500 | $400,000 | $61,000 | $311,000 |
| Not applicable | 5 | $354,000 | $70,000 | $175,000 | $0 | $0 |
| Hispanic | 3 | $206,000 | $68,000 | $105,000 | $81,000 | $112,000 |
| 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 |
| Black or African American | 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) | 249 | $27,400,000 | $119,500 | $400,000 | $60,000 | $311,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $124,000 | $124,000 | $124,000 | $60,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 1 | $244,000 | $244,000 | $244,000 | $88,000 | $88,000 |
| 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 | 233 | $25,341,000 | $108,000 | $400,000 | $66,000 | $311,000 |
| Application Approved But Not Accepted | 10 | $1,426,000 | $142,000 | $223,000 | $70,000 | $136,000 |
| Application Denied By Financial Institution | 8 | $1,001,000 | $127,000 | $250,000 | $47,500 | $68,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $566,000 | $137,500 | $175,000 | $53,500 | $68,000 |
| Debt-To-Income Ratio | 2 | $330,000 | $165,000 | $250,000 | $32,000 | $53,000 |
| Employment History | 2 | $105,000 | $52,000 | $53,000 | $29,000 | $35,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank & Trust Company's 2004 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 Union Bank & Trust Company'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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