Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Wisconsin Bank & Trust of Madison, WI reported 1,122 mortgage applications totaling $192.9 million, up 120% from 2008. The average application was for $171,914, and applicants reported an average income of $100,171. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Madison, WI (691), Janesville, WI (10) and Green Bay, WI (9) (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 | 1,122 |
| Total Mortgage Loan Application Amount | $192,888,000 |
| Average Mortgage Loan Application Amount | $171,914 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $100,171 |
| Highest Applicant Income | $991,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 671 | $ 125,250,000 | $ 186,661 | $ 104,000 |
| Green, Wisconsin | 285 | $ 37,466,000 | $ 131,459 | $ 80,000 |
| Jefferson, Wisconsin | 16 | $ 4,361,000 | $ 272,562 | $ 98,000 |
| Lafayette, Wisconsin | 16 | $ 1,866,000 | $ 116,625 | $ 79,000 |
| Columbia, Wisconsin | 13 | $ 2,096,000 | $ 161,230 | $ 71,000 |
| Rock, Wisconsin | 10 | $ 1,847,000 | $ 184,700 | $ 93,000 |
| Stephenson, Illinois | 9 | $ 2,512,000 | $ 279,111 | $ 144,000 |
| Brown, Wisconsin | 7 | $ 1,476,000 | $ 210,857 | $ 113,000 |
| Iowa, Wisconsin | 7 | $ 409,000 | $ 58,428 | $ 37,000 |
| Sauk, Wisconsin | 7 | $ 492,000 | $ 70,285 | $ 51,000 |
| Waukesha, Wisconsin | 5 | $ 1,060,000 | $ 212,000 | $ 131,000 |
| Fond du Lac, Wisconsin | 4 | $ 894,000 | $ 223,500 | $ 97,000 |
| Sheboygan, Wisconsin | 4 | $ 326,000 | $ 81,500 | $ 17,000 |
| Vilas, Wisconsin | 4 | $ 784,000 | $ 196,000 | $ 245,000 |
| Hennepin, Minnesota | 3 | $ 885,000 | $ 295,000 | $ 88,000 |
| Juneau, Wisconsin | 3 | $ 627,000 | $ 209,000 | $ 242,000 |
| Milwaukee, Wisconsin | 3 | $ 802,000 | $ 267,333 | $ 135,000 |
| Oneida, Wisconsin | 3 | $ 793,000 | $ 264,333 | $ 321,000 |
| Racine, Wisconsin | 3 | $ 672,000 | $ 224,000 | $ 189,000 |
| Richland, Wisconsin | 3 | $ 357,000 | $ 119,000 | $ 80,000 |
| Walworth, Wisconsin | 3 | $ 902,000 | $ 300,666 | $ 144,000 |
| Winnebago, Wisconsin | 3 | $ 603,000 | $ 201,000 | $ 254,000 |
| Sumter, Florida | 2 | $ 289,000 | $ 144,500 | $ 95,000 |
| Door, Wisconsin | 2 | $ 561,000 | $ 280,500 | $ 38,000 |
| Grant, Wisconsin | 2 | $ 202,000 | $ 101,000 | $ 74,000 |
| Green Lake, Wisconsin | 2 | $ 265,000 | $ 132,500 | $ 137,000 |
| Iron, Wisconsin | 2 | $ 229,000 | $ 114,500 | $ 76,000 |
| Manitowoc, Wisconsin | 2 | $ 319,000 | $ 159,500 | $ 150,000 |
| Marathon, Wisconsin | 2 | $ 58,000 | $ 29,000 | $ 150,000 |
| Oconto, Wisconsin | 2 | $ 424,000 | $ 212,000 | $ 207,000 |
| Sawyer, Wisconsin | 2 | $ 594,000 | $ 297,000 | $ 590,000 |
| Waushara, Wisconsin | 2 | $ 212,000 | $ 106,000 | $ 69,000 |
| Cook, Illinois | 1 | $ 243,000 | $ 243,000 | $ 60,000 |
| DeKalb, Illinois | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Lake, Illinois | 1 | $ 203,000 | $ 203,000 | $ 211,000 |
| Marion, Indiana | 1 | $ 171,000 | $ 171,000 | $ 113,000 |
| Ontonagon, Michigan | 1 | $ 37,000 | $ 37,000 | $ 60,000 |
| Rice, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| King, Washington | 1 | $ 417,000 | $ 417,000 | $ 440,000 |
| Adams, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 68,000 |
| Chippewa, Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 138,000 |
| Dodge, Wisconsin | 1 | $ 228,000 | $ 228,000 | $ 120,000 |
| Forest, Wisconsin | 1 | $ 194,000 | $ 194,000 | $ 105,000 |
| La Crosse, Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Lincoln, Wisconsin | 1 | $ 176,000 | $ 176,000 | $ 311,000 |
| Marinette, Wisconsin | 1 | $ 310,000 | $ 310,000 | $ 144,000 |
| Marquette, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Price, Wisconsin | 1 | $ 23,000 | $ 23,000 | $ 43,000 |
| Taylor, Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 201,000 |
| Vernon, Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 87,000 |
| Washburn, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Wood, Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2009
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 | 925 | $165,306,000 | $178,000 | $850,000 | $102,000 | $991,000 |
| Home Purchase | 168 | $26,376,000 | $157,000 | $600,000 | $96,000 | $440,000 |
| Home Improvement | 29 | $1,206,000 | $41,000 | $310,000 | $66,000 | $144,000 |
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 | 993 | $170,454,000 | $171,000 | $850,000 | $99,000 | $991,000 |
| Not Provided | 88 | $14,229,000 | $161,000 | $600,000 | $97,000 | $345,000 |
| Asian | 28 | $5,912,000 | $211,000 | $400,000 | $121,000 | $235,000 |
| Hispanic | 6 | $935,000 | $155,000 | $293,000 | $84,000 | $145,000 |
| Black or African American | 4 | $899,000 | $224,000 | $291,000 | $190,000 | $362,000 |
| Not applicable | 2 | $245,000 | $122,000 | $163,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $214,000 | $214,000 | $214,000 | $100,000 | $100,000 |
| 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) | 1,114 | $190,881,000 | $171,000 | $850,000 | $100,000 | $991,000 |
| FHA-insured (Federal Housing Administration) | 4 | $720,000 | $180,000 | $203,000 | $52,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,287,000 | $321,000 | $500,000 | $128,000 | $150,000 |
| 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 | 891 | $156,591,000 | $175,000 | $805,000 | $102,000 | $660,000 |
| Application Approved But Not Accepted | 101 | $16,673,000 | $165,000 | $850,000 | $98,000 | $927,000 |
| Application Denied By Financial Institution | 69 | $10,203,000 | $147,000 | $525,000 | $78,000 | $217,000 |
| Application Withdrawn By Applicant | 52 | $7,998,000 | $153,000 | $451,000 | $93,000 | $991,000 |
| File Closed For Incompleteness | 9 | $1,423,000 | $158,000 | $305,000 | $83,000 | $197,000 |
| 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 Wisconsin Bank & Trust's 2009 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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