Union Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Union Bank & Trust Company of Evansville, WI reported 371 mortgage applications totaling $62.8 million, up 2% from 2015. The average application was for $169,153, and applicants reported an average income of $76,698. 92% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Madison, WI (178), Janesville-Beloit, WI (161) and Milwaukee-Waukesha-West Allis, WI (5) (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 | 371 |
| Total Mortgage Loan Application Amount | $62,756,000 |
| Average Mortgage Loan Application Amount | $169,153 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $76,698 |
| Highest Applicant Income | $510,000 |
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records Union Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 178 | $ 32,101,000 | $ 180,342 | $ 81,000 |
| Janesville-Beloit, WI | 161 | $ 23,127,000 | $ 143,645 | $ 68,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 912,000 | $ 182,400 | $ 126,000 |
| Eau Claire, WI | 1 | $ 228,000 | $ 228,000 | $ 143,000 |
| Oshkosh-Neenah, WI | 1 | $ 77,000 | $ 77,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Union Bank & Trust Company in 2016
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 | 187 | $32,047,000 | $171,000 | $1,400,000 | $77,000 | $510,000 |
| Home Purchase | 144 | $25,359,000 | $176,000 | $821,000 | $79,000 | $203,000 |
| Home Improvement | 40 | $5,350,000 | $133,000 | $472,000 | $67,000 | $283,000 |
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 | 327 | $53,522,000 | $163,000 | $874,000 | $85,000 | $510,000 |
| Not applicable | 37 | $8,144,000 | $220,000 | $1,400,000 | $4,000 | $151,000 |
| Hispanic | 3 | $355,000 | $118,000 | $152,000 | $73,000 | $105,000 |
| Asian | 2 | $321,000 | $160,000 | $192,000 | $70,000 | $77,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $284,000 | $284,000 | $284,000 | $193,000 | $193,000 |
| Not Provided | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 363 | $61,413,000 | $169,000 | $1,400,000 | $77,000 | $510,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,343,000 | $167,000 | $219,000 | $67,000 | $88,000 |
| 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 | 340 | $57,272,000 | $168,000 | $1,400,000 | $76,000 | $510,000 |
| Application Approved But Not Accepted | 17 | $3,041,000 | $178,000 | $362,000 | $95,000 | $375,000 |
| Application Denied By Financial Institution | 12 | $2,243,000 | $186,000 | $572,000 | $71,000 | $199,000 |
| Application Withdrawn By Applicant | 2 | $200,000 | $100,000 | $130,000 | $12,000 | $24,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Union Bank & Trust Company's 2016 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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