Union Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Union Bank & Trust Company of Evansville, WI reported 247 mortgage applications totaling $45.1 million, down 20% from 2017. The average application was for $182,732, and applicants reported an average income of $98,821. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Madison, WI (115), Janesville-Beloit, WI (111) and Milwaukee-Waukesha-West Allis, WI (4) (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 | 247 |
| Total Mortgage Loan Application Amount | $45,135,000 |
| Average Mortgage Loan Application Amount | $182,732 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $98,821 |
| Highest Applicant Income | $366,000 |
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records Union Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 115 | $ 23,825,000 | $ 207,173 | $ 95,000 |
| Janesville-Beloit, WI | 111 | $ 18,105,000 | $ 163,108 | $ 99,000 |
| Outside any metro area | 12 | $ 1,940,000 | $ 161,666 | $ 105,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 690,000 | $ 172,500 | $ 150,000 |
| Green Bay, WI | 2 | $ 160,000 | $ 80,000 | $ 136,000 |
| Sheboygan, WI | 2 | $ 240,000 | $ 120,000 | $ 61,000 |
| Eau Claire, WI | 1 | $ 175,000 | $ 175,000 | $ 335,000 |
Mortgage Loan Application Detail Totals for Union Bank & Trust Company in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 134 | $24,890,000 | $185,000 | $555,000 | $102,000 | $366,000 |
| Refinancing | 56 | $10,770,000 | $192,000 | $865,000 | $92,000 | $240,000 |
| Cash-out Refinancing | 36 | $6,540,000 | $181,000 | $425,000 | $94,000 | $237,000 |
| Home Improvement | 21 | $2,935,000 | $139,000 | $325,000 | $105,000 | $285,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 211 | $37,775,000 | $179,000 | $495,000 | $98,000 | $366,000 |
| Not applicable | 33 | $6,685,000 | $202,000 | $865,000 | $0 | $0 |
| Not Provided | 2 | $400,000 | $200,000 | $345,000 | $148,000 | $165,000 |
| Asian | 1 | $275,000 | $275,000 | $275,000 | $199,000 | $199,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 242 | $44,390,000 | $183,000 | $865,000 | $100,000 | $366,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $745,000 | $149,000 | $225,000 | $57,000 | $71,000 |
| 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 | 219 | $40,575,000 | $185,000 | $865,000 | $104,000 | $366,000 |
| Application Approved But Not Accepted | 20 | $3,050,000 | $152,000 | $455,000 | $75,000 | $184,000 |
| Application Denied By Financial Institution | 7 | $1,335,000 | $190,000 | $455,000 | $62,000 | $121,000 |
| Application Withdrawn By Applicant | 1 | $175,000 | $175,000 | $175,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 247 | $45,135,000 | $182,000 | $865,000 | $99,000 | $366,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank & Trust Company's 2018 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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