Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Wisconsin Bank & Trust of Madison, WI reported 461 mortgage applications totaling $66.4 million, down 3% from 2005. The average application was for $143,967, and applicants reported an average income of $92,720. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Madison, WI (298), Janesville, WI (12) and Cleveland-Elyria-Mentor, OH (3) (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 | 461 |
| Total Mortgage Loan Application Amount | $66,369,000 |
| Average Mortgage Loan Application Amount | $143,967 |
| Highest Mortgage Loan Application Amount | $753,000 |
| Average Applicant Income | $92,720 |
| Highest Applicant Income | $1,351,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 284 | $ 43,733,000 | $ 153,989 | $ 103,000 |
| Green, Wisconsin | 90 | $ 9,062,000 | $ 100,688 | $ 67,000 |
| Grant, Wisconsin | 15 | $ 1,418,000 | $ 94,533 | $ 10,000 |
| Lafayette, Wisconsin | 12 | $ 2,278,000 | $ 189,833 | $ 64,000 |
| Rock, Wisconsin | 12 | $ 1,259,000 | $ 104,916 | $ 64,000 |
| Columbia, Wisconsin | 10 | $ 1,335,000 | $ 133,500 | $ 71,000 |
| Iowa, Wisconsin | 4 | $ 889,000 | $ 222,250 | $ 57,000 |
| Cuyahoga, Ohio | 3 | $ 25,000 | $ 8,333 | $ 145,000 |
| Stephenson, Illinois | 2 | $ 145,000 | $ 72,500 | $ 201,000 |
| Denton, Texas | 2 | $ 145,000 | $ 72,500 | $ 61,000 |
| Brown, Wisconsin | 2 | $ 432,000 | $ 216,000 | $ 61,000 |
| Menominee, Wisconsin | 2 | $ 319,000 | $ 159,500 | $ 137,000 |
| Racine, Wisconsin | 2 | $ 660,000 | $ 330,000 | $ 178,000 |
| Vernon, Wisconsin | 2 | $ 90,000 | $ 45,000 | $ 72,000 |
| St. Lucie, Florida | 1 | $ 159,000 | $ 159,000 | $ 126,000 |
| Polk, Iowa | 1 | $ 310,000 | $ 310,000 | $ 115,000 |
| Henderson, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 197,000 |
| Salt Lake, Utah | 1 | $ 180,000 | $ 180,000 | $ 256,000 |
| Jefferson, Washington | 1 | $ 255,000 | $ 255,000 | $ 243,000 |
| Dodge, Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
| Fond du Lac, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 82,000 |
| Green Lake, Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 152,000 |
| Iron, Wisconsin | 1 | $ 56,000 | $ 56,000 | $ 96,000 |
| Jefferson, Wisconsin | 1 | $ 204,000 | $ 204,000 | $ 86,000 |
| Juneau, Wisconsin | 1 | $ 540,000 | $ 540,000 | $ 432,000 |
| La Crosse, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 101,000 |
| Oneida, Wisconsin | 1 | $ 171,000 | $ 171,000 | $ 212,000 |
| Ozaukee, Wisconsin | 1 | $ 380,000 | $ 380,000 | $ 108,000 |
| Richland, Wisconsin | 1 | $ 753,000 | $ 753,000 | $ 132,000 |
| Sauk, Wisconsin | 1 | $ 142,000 | $ 142,000 | $ 304,000 |
| Sheboygan, Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 74,000 |
| Waukesha, Wisconsin | 1 | $ 277,000 | $ 277,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2006
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 | 220 | $35,117,000 | $159,000 | $753,000 | $114,000 | $1,351,000 |
| Home Purchase | 202 | $30,481,000 | $150,000 | $504,000 | $72,000 | $339,000 |
| Home Improvement | 39 | $771,000 | $19,000 | $89,000 | $80,000 | $500,000 |
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 | 403 | $58,931,000 | $146,000 | $753,000 | $97,000 | $1,351,000 |
| Not applicable | 19 | $2,101,000 | $110,000 | $351,000 | $0 | $0 |
| Not Provided | 19 | $2,621,000 | $137,000 | $489,000 | $90,000 | $350,000 |
| Black or African American | 10 | $927,000 | $92,000 | $233,000 | $93,000 | $145,000 |
| Hispanic | 5 | $551,000 | $110,000 | $209,000 | $87,000 | $124,000 |
| Asian | 5 | $1,238,000 | $247,000 | $504,000 | $116,000 | $274,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 460 | $66,217,000 | $143,000 | $753,000 | $92,000 | $1,351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $152,000 | $152,000 | $152,000 | $50,000 | $50,000 |
| 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 | 392 | $56,229,000 | $143,000 | $625,000 | $95,000 | $1,351,000 |
| Application Withdrawn By Applicant | 26 | $4,926,000 | $189,000 | $753,000 | $91,000 | $339,000 |
| Application Approved But Not Accepted | 23 | $3,280,000 | $142,000 | $454,000 | $73,000 | $150,000 |
| Application Denied By Financial Institution | 19 | $1,754,000 | $92,000 | $290,000 | $63,000 | $130,000 |
| Preapproval Denied by Financial Institution | 1 | $180,000 | $180,000 | $180,000 | $77,000 | $77,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2006 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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