Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Wisconsin Bank & Trust of Madison, WI reported 963 mortgage applications totaling $163.8 million, down 14% from 2009. The average application was for $170,057, and applicants reported an average income of $102,058. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Madison, WI (566), Janesville, WI (14) and Milwaukee-Waukesha-West Allis, 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 | 963 |
| Total Mortgage Loan Application Amount | $163,765,000 |
| Average Mortgage Loan Application Amount | $170,057 |
| Highest Mortgage Loan Application Amount | $1,112,000 |
| Average Applicant Income | $102,058 |
| Highest Applicant Income | $1,148,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 544 | $ 105,924,000 | $ 194,713 | $ 107,000 |
| Green, Wisconsin | 283 | $ 32,880,000 | $ 116,183 | $ 90,000 |
| Lafayette, Wisconsin | 26 | $ 2,855,000 | $ 109,807 | $ 52,000 |
| Columbia, Wisconsin | 17 | $ 3,049,000 | $ 179,352 | $ 173,000 |
| Rock, Wisconsin | 14 | $ 2,624,000 | $ 187,428 | $ 123,000 |
| Jefferson, Wisconsin | 10 | $ 2,681,000 | $ 268,100 | $ 97,000 |
| Stephenson, Illinois | 8 | $ 2,052,000 | $ 256,500 | $ 82,000 |
| Sauk, Wisconsin | 6 | $ 1,037,000 | $ 172,833 | $ 104,000 |
| Iowa, Wisconsin | 5 | $ 1,093,000 | $ 218,600 | $ 121,000 |
| Racine, Wisconsin | 4 | $ 952,000 | $ 238,000 | $ 113,000 |
| Sheboygan, Wisconsin | 4 | $ 293,000 | $ 73,250 | $ 0 |
| Lake, Illinois | 3 | $ 473,000 | $ 157,666 | $ 168,000 |
| Brown, Wisconsin | 3 | $ 239,000 | $ 79,666 | $ 92,000 |
| Manitowoc, Wisconsin | 3 | $ 714,000 | $ 238,000 | $ 327,000 |
| Ozaukee, Wisconsin | 3 | $ 546,000 | $ 182,000 | $ 101,000 |
| Richland, Wisconsin | 3 | $ 282,000 | $ 94,000 | $ 48,000 |
| Waukesha, Wisconsin | 3 | $ 730,000 | $ 243,333 | $ 200,000 |
| Maricopa, Arizona | 2 | $ 496,000 | $ 248,000 | $ 172,000 |
| Iron, Wisconsin | 2 | $ 693,000 | $ 346,500 | $ 75,000 |
| Marquette, Wisconsin | 2 | $ 278,000 | $ 139,000 | $ 94,000 |
| Milwaukee, Wisconsin | 2 | $ 279,000 | $ 139,500 | $ 60,000 |
| Vernon, Wisconsin | 2 | $ 288,000 | $ 144,000 | $ 61,000 |
| Hendricks, Indiana | 1 | $ 160,000 | $ 160,000 | $ 183,000 |
| Allamakee, Iowa | 1 | $ 204,000 | $ 204,000 | $ 124,000 |
| Mitchell, Iowa | 1 | $ 172,000 | $ 172,000 | $ 134,000 |
| Dodge, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 109,000 |
| Door, Wisconsin | 1 | $ 369,000 | $ 369,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 245,000 |
| Fond du Lac, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| Grant, Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 39,000 |
| Menominee, Wisconsin | 1 | $ 756,000 | $ 756,000 | $ 0 |
| Oconto, Wisconsin | 1 | $ 210,000 | $ 210,000 | $ 98,000 |
| Oneida, Wisconsin | 1 | $ 161,000 | $ 161,000 | $ 165,000 |
| Pierce, Wisconsin | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Price, Wisconsin | 1 | $ 153,000 | $ 153,000 | $ 88,000 |
| Washington, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2010
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 | 749 | $129,264,000 | $172,000 | $1,112,000 | $104,000 | $1,148,000 |
| Home Purchase | 189 | $33,680,000 | $178,000 | $756,000 | $99,000 | $830,000 |
| Home Improvement | 25 | $821,000 | $32,000 | $183,000 | $67,000 | $175,000 |
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 | 821 | $136,323,000 | $166,000 | $517,000 | $102,000 | $1,148,000 |
| Not Provided | 89 | $14,422,000 | $162,000 | $412,000 | $102,000 | $864,000 |
| Asian | 41 | $8,774,000 | $214,000 | $407,000 | $108,000 | $214,000 |
| Hispanic | 5 | $1,054,000 | $210,000 | $360,000 | $93,000 | $104,000 |
| Black or African American | 3 | $639,000 | $213,000 | $348,000 | $99,000 | $150,000 |
| Not applicable | 3 | $2,533,000 | $844,000 | $1,112,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $60,000 | $60,000 |
| 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) | 924 | $156,692,000 | $169,000 | $756,000 | $103,000 | $1,148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $5,447,000 | $187,000 | $1,112,000 | $85,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,626,000 | $162,000 | $230,000 | $80,000 | $135,000 |
| 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 | 773 | $133,387,000 | $172,000 | $1,112,000 | $105,000 | $1,148,000 |
| Application Approved But Not Accepted | 90 | $15,010,000 | $166,000 | $417,000 | $101,000 | $450,000 |
| Application Denied By Financial Institution | 73 | $10,197,000 | $139,000 | $417,000 | $79,000 | $864,000 |
| Application Withdrawn By Applicant | 19 | $3,749,000 | $197,000 | $756,000 | $91,000 | $295,000 |
| File Closed For Incompleteness | 8 | $1,422,000 | $177,000 | $344,000 | $70,000 | $125,000 |
| 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 2010 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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