Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Wisconsin Bank & Trust of Madison, WI reported 237 mortgage applications totaling $42.4 million, down 66% from 2011. The average application was for $179,054, and applicants reported an average income of $121,717. 32% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Madison, WI (117), Janesville, WI (10) and Milwaukee-Waukesha-West Allis, WI (5) (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 | 237 |
| Total Mortgage Loan Application Amount | $42,436,000 |
| Average Mortgage Loan Application Amount | $179,054 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $121,717 |
| Highest Applicant Income | $1,975,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 110 | $ 19,546,000 | $ 177,690 | $ 109,000 |
| Green, Wisconsin | 64 | $ 9,969,000 | $ 155,765 | $ 166,000 |
| Rock, Wisconsin | 10 | $ 1,027,000 | $ 102,700 | $ 101,000 |
| Sauk, Wisconsin | 6 | $ 501,000 | $ 83,500 | $ 64,000 |
| Lafayette, Wisconsin | 5 | $ 2,294,000 | $ 458,800 | $ 221,000 |
| Iowa, Wisconsin | 4 | $ 184,000 | $ 46,000 | $ 83,000 |
| Waukesha, Wisconsin | 4 | $ 855,000 | $ 213,750 | $ 103,000 |
| Columbia, Wisconsin | 3 | $ 634,000 | $ 211,333 | $ 151,000 |
| Trempealeau, Wisconsin | 3 | $ 1,998,000 | $ 666,000 | $ 31,000 |
| Stephenson, Illinois | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| Brown, Minnesota | 2 | $ 285,000 | $ 142,500 | $ 116,000 |
| Ramsey, Minnesota | 2 | $ 258,000 | $ 129,000 | $ 82,000 |
| Dodge, Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 84,000 |
| Grant, Wisconsin | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Outagamie, Wisconsin | 2 | $ 284,000 | $ 142,000 | $ 90,000 |
| Price, Wisconsin | 2 | $ 166,000 | $ 83,000 | $ 118,000 |
| Maricopa, Arizona | 1 | $ 86,000 | $ 86,000 | $ 109,000 |
| Butte, California | 1 | $ 140,000 | $ 140,000 | $ 92,000 |
| DuPage, Illinois | 1 | $ 201,000 | $ 201,000 | $ 166,000 |
| Jo Daviess, Illinois | 1 | $ 62,000 | $ 62,000 | $ 37,000 |
| Winnebago, Illinois | 1 | $ 108,000 | $ 108,000 | $ 36,000 |
| Clarke, Iowa | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Wayne, Michigan | 1 | $ 350,000 | $ 350,000 | $ 110,000 |
| Dakota, Minnesota | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Hennepin, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Door, Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Marinette, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 322,000 |
| Milwaukee, Wisconsin | 1 | $ 71,000 | $ 71,000 | $ 55,000 |
| Walworth, Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 224,000 |
| Wood, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2012
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 | 157 | $31,615,000 | $201,000 | $1,800,000 | $138,000 | $1,975,000 |
| Home Purchase | 59 | $9,983,000 | $169,000 | $800,000 | $100,000 | $301,000 |
| Home Improvement | 21 | $838,000 | $39,000 | $345,000 | $61,000 | $126,000 |
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 | 208 | $32,910,000 | $158,000 | $1,062,000 | $121,000 | $1,975,000 |
| Not Provided | 12 | $4,986,000 | $415,000 | $1,800,000 | $177,000 | $875,000 |
| Asian | 7 | $1,015,000 | $145,000 | $228,000 | $108,000 | $216,000 |
| Not applicable | 5 | $2,852,000 | $570,000 | $1,302,000 | $0 | $0 |
| Hispanic | 3 | $374,000 | $124,000 | $162,000 | $176,000 | $322,000 |
| Black or African American | 2 | $299,000 | $149,000 | $236,000 | $133,000 | $183,000 |
| 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) | 212 | $36,873,000 | $173,000 | $1,800,000 | $117,000 | $1,975,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,932,000 | $175,000 | $289,000 | $82,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $2,987,000 | $298,000 | $830,000 | $296,000 | $1,470,000 |
| VA-guaranteed (Veterans Administration) | 4 | $644,000 | $161,000 | $296,000 | $77,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 83 | $14,554,000 | $175,000 | $699,000 | $101,000 | $360,000 |
| Loan Originated | 77 | $17,164,000 | $222,000 | $1,800,000 | $177,000 | $1,975,000 |
| File Closed For Incompleteness | 47 | $8,673,000 | $184,000 | $404,000 | $93,000 | $322,000 |
| Application Denied By Financial Institution | 18 | $1,219,000 | $67,000 | $425,000 | $68,000 | $175,000 |
| Application Approved But Not Accepted | 11 | $639,000 | $58,000 | $333,000 | $118,000 | $301,000 |
| Loan Purchased By The Institution | 1 | $187,000 | $187,000 | $187,000 | $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 2012 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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