Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Wisconsin Bank & Trust of Madison, WI reported 175 mortgage applications totaling $37.7 million, down 28% from 2021. The average application was for $215,171, and applicants reported an average income of $94,028. 63% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Madison, WI (62), Sheboygan, WI (54) and Milwaukee-Waukesha-West Allis, WI (17) (applications in parentheses).
| Mortgage Company & Address | Wisconsin Bank & Trust 119 Junction Rd Madison, WI 53717 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 175 |
| Total Mortgage Loan Application Amount | $37,655,000 |
| Average Mortgage Loan Application Amount | $215,171 |
| Highest Mortgage Loan Application Amount | $9,755,000 |
| Average Applicant Income | $94,028 |
| Highest Applicant Income | $793,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sheboygan, Wisconsin | 54 | $ 4,660,000 | $ 86,296 | $ 76,000 |
| Dane, Wisconsin | 34 | $ 8,580,000 | $ 252,352 | $ 85,000 |
| Green, Wisconsin | 23 | $ 2,065,000 | $ 89,782 | $ 74,000 |
| Milwaukee, Wisconsin | 12 | $ 1,440,000 | $ 120,000 | $ 107,000 |
| Grant, Wisconsin | 5 | $ 10,275,000 | $ 2,055,000 | $ 69,000 |
| Calumet, Wisconsin | 4 | $ 260,000 | $ 65,000 | $ 98,000 |
| Columbia, Wisconsin | 4 | $ 440,000 | $ 110,000 | $ 77,000 |
| Rock, Wisconsin | 4 | $ 940,000 | $ 235,000 | $ 89,000 |
| Dubuque, Iowa | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Jefferson, Wisconsin | 3 | $ 1,205,000 | $ 401,666 | $ 334,000 |
| Walworth, Wisconsin | 3 | $ 345,000 | $ 115,000 | $ 31,000 |
| Waukesha, Wisconsin | 3 | $ 515,000 | $ 171,666 | $ 147,000 |
| Stephenson, Illinois | 2 | $ 60,000 | $ 30,000 | $ 100,000 |
| Fond du Lac, Wisconsin | 2 | $ 270,000 | $ 135,000 | $ 52,000 |
| Manitowoc, Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Marathon, Wisconsin | 2 | $ 510,000 | $ 255,000 | $ 121,000 |
| Boulder, Colorado | 1 | $ 1,505,000 | $ 1,505,000 | $ 793,000 |
| Collier, Florida | 1 | $ 385,000 | $ 385,000 | $ 133,000 |
| Lee, Florida | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Jo Daviess, Illinois | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Adams, Wisconsin | 1 | $ 2,125,000 | $ 2,125,000 | $ 0 |
| Brown, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Iowa, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Kenosha, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Lafayette, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Langlade, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Marinette, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Ozaukee, Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Racine, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 554,000 |
| Richland, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Washington, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2022
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 | 115 | $28,205,000 | $245,000 | $9,755,000 | $77,000 | $343,000 |
| Home Improvement | 24 | $1,500,000 | $62,000 | $205,000 | $93,000 | $554,000 |
| Other Purpose | 20 | $2,250,000 | $112,000 | $765,000 | $122,000 | $440,000 |
| Home Purchase | 16 | $5,700,000 | $356,000 | $2,125,000 | $183,000 | $793,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 78 | $10,930,000 | $140,000 | $2,125,000 | $101,000 | $793,000 |
| Not Provided | 61 | $9,575,000 | $156,000 | $765,000 | $84,000 | $440,000 |
| Not applicable | 18 | $14,920,000 | $828,000 | $9,755,000 | $0 | $0 |
| Hispanic | 14 | $1,820,000 | $130,000 | $255,000 | $69,000 | $116,000 |
| Asian | 2 | $330,000 | $165,000 | $205,000 | $73,000 | $116,000 |
| Black or African American | 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) | 175 | $37,655,000 | $215,000 | $9,755,000 | $91,000 | $793,000 |
| 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 | 110 | $20,200,000 | $183,000 | $2,725,000 | $103,000 | $793,000 |
| Application Denied By Financial Institution | 53 | $6,585,000 | $124,000 | $295,000 | $72,000 | $175,000 |
| Application Approved But Not Accepted | 9 | $10,565,000 | $1,173,000 | $9,755,000 | $75,000 | $117,000 |
| Application Withdrawn By Applicant | 3 | $305,000 | $101,000 | $205,000 | $52,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 122 | $31,070,000 | $254,000 | $9,755,000 | $99,000 | $793,000 |
| Debt-To-Income Ratio | 21 | $3,745,000 | $178,000 | $295,000 | $48,000 | $88,000 |
| Credit History | 20 | $1,640,000 | $82,000 | $265,000 | $71,000 | $123,000 |
| Credit Application Incomplete | 9 | $795,000 | $88,000 | $225,000 | $114,000 | $175,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $135,000 | $104,000 | $120,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $116,000 | $116,000 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wisconsin Bank & Trust's 2022 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 Wisconsin 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
with aggregated HMDA statistics today.
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