Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Wisconsin Bank & Trust of Madison, WI reported 572 mortgage applications totaling $85.2 million, down 40% from 2003. The average application was for $149,006, and applicants reported an average income of $83,690. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Madison, WI (365), Janesville, WI (9) and Milwaukee-Waukesha-West Allis, WI (8) (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 | 572 |
| Total Mortgage Loan Application Amount | $85,232,000 |
| Average Mortgage Loan Application Amount | $149,006 |
| Highest Mortgage Loan Application Amount | $560,000 |
| Average Applicant Income | $83,690 |
| Highest Applicant Income | $711,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dane, Wisconsin | 354 | $ 59,866,000 | $ 169,112 | $ 81,000 |
| Green, Wisconsin | 102 | $ 9,283,000 | $ 91,009 | $ 68,000 |
| Lafayette, Wisconsin | 10 | $ 950,000 | $ 95,000 | $ 64,000 |
| Rock, Wisconsin | 9 | $ 1,104,000 | $ 122,666 | $ 56,000 |
| Stephenson, Illinois | 7 | $ 1,251,000 | $ 178,714 | $ 125,000 |
| Columbia, Wisconsin | 7 | $ 1,280,000 | $ 182,857 | $ 82,000 |
| Brown, Wisconsin | 5 | $ 691,000 | $ 138,200 | $ 76,000 |
| Jefferson, Wisconsin | 5 | $ 610,000 | $ 122,000 | $ 71,000 |
| Milwaukee, Wisconsin | 5 | $ 755,000 | $ 151,000 | $ 86,000 |
| Iowa, Wisconsin | 4 | $ 522,000 | $ 130,500 | $ 51,000 |
| Sauk, Wisconsin | 4 | $ 398,000 | $ 99,500 | $ 50,000 |
| Waukesha, Wisconsin | 3 | $ 431,000 | $ 143,666 | $ 161,000 |
| DuPage, Illinois | 2 | $ 210,000 | $ 105,000 | $ 72,000 |
| Jo Daviess, Illinois | 2 | $ 130,000 | $ 65,000 | $ 61,000 |
| Marquette, Wisconsin | 2 | $ 265,000 | $ 132,500 | $ 55,000 |
| Richland, Wisconsin | 2 | $ 201,000 | $ 100,500 | $ 60,000 |
| Sheboygan, Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 106,000 |
| Sarasota, Florida | 1 | $ 100,000 | $ 100,000 | $ 115,000 |
| Lake, Illinois | 1 | $ 118,000 | $ 118,000 | $ 112,000 |
| Whiteside, Illinois | 1 | $ 51,000 | $ 51,000 | $ 64,000 |
| Winnebago, Illinois | 1 | $ 159,000 | $ 159,000 | $ 84,000 |
| Cuyahoga, Ohio | 1 | $ 65,000 | $ 65,000 | $ 132,000 |
| Adams, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Crawford, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 164,000 |
| Grant, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 259,000 |
| Juneau, Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 71,000 |
| La Crosse, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Oneida, Wisconsin | 1 | $ 73,000 | $ 73,000 | $ 106,000 |
| Sawyer, Wisconsin | 1 | $ 190,000 | $ 190,000 | $ 92,000 |
| Winnebago, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 591,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust 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 | 315 | $46,513,000 | $151,500 | $560,000 | $73,000 | $293,000 |
| Home Purchase | 247 | $38,262,000 | $108,600 | $540,000 | $109,200 | $711,000 |
| Home Improvement | 10 | $457,000 | $45,000 | $110,000 | $54,000 | $301,000 |
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 | 532 | $79,112,000 | $136,250 | $560,000 | $91,250 | $711,000 |
| Asian | 16 | $2,938,000 | $183,000 | $308,000 | $86,000 | $151,000 |
| Black or African American | 9 | $1,288,000 | $113,250 | $244,000 | $93,000 | $132,000 |
| Not Provided | 8 | $746,000 | $102,500 | $175,000 | $53,000 | $128,000 |
| Hispanic | 5 | $556,000 | $111,000 | $182,000 | $63,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $232,000 | $232,000 | $232,000 | $99,000 | $99,000 |
| Not applicable | 1 | $360,000 | $360,000 | $360,000 | $119,000 | $119,000 |
| 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) | 571 | $85,123,000 | $121,400 | $560,000 | $98,000 | $711,000 |
| FHA-insured (Federal Housing Administration) | 1 | $109,000 | $109,000 | $109,000 | $35,000 | $35,000 |
| 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 | 476 | $70,207,000 | $128,000 | $560,000 | $95,666 | $711,000 |
| Application Withdrawn By Applicant | 33 | $4,740,000 | $125,000 | $381,000 | $105,666 | $591,000 |
| Application Denied By Financial Institution | 23 | $3,846,000 | $159,000 | $442,000 | $36,500 | $167,000 |
| Preapproval Approved but not Accepted | 16 | $2,266,000 | $141,000 | $275,000 | $54,000 | $197,000 |
| Application Approved But Not Accepted | 11 | $2,265,000 | $243,500 | $540,000 | $157,000 | $340,000 |
| Preapproval Denied by Financial Institution | 8 | $1,020,000 | $127,000 | $228,000 | $51,000 | $109,000 |
| File Closed For Incompleteness | 5 | $888,000 | $171,500 | $375,000 | $75,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Wisconsin Bank & Trust'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 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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