Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Wisconsin Bank & Trust of Madison, WI reported 272 mortgage applications totaling $56.6 million, down 33% from 2013. The average application was for $208,242, and applicants reported an average income of $115,610. 52% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Madison, WI (138), Milwaukee-Waukesha-West Allis, WI (17) and Racine, WI (4) (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 | 272 |
| Total Mortgage Loan Application Amount | $56,642,000 |
| Average Mortgage Loan Application Amount | $208,242 |
| Highest Mortgage Loan Application Amount | $3,420,000 |
| Average Applicant Income | $115,610 |
| 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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 97 | $ 19,102,000 | $ 196,927 | $ 119,000 |
| Grant, Wisconsin | 47 | $ 8,259,000 | $ 175,723 | $ 74,000 |
| Green, Wisconsin | 34 | $ 6,776,000 | $ 199,294 | $ 143,000 |
| Lafayette, Wisconsin | 15 | $ 3,159,000 | $ 210,600 | $ 138,000 |
| Milwaukee, Wisconsin | 9 | $ 1,672,000 | $ 185,777 | $ 74,000 |
| Crawford, Wisconsin | 7 | $ 1,439,000 | $ 205,571 | $ 39,000 |
| Iowa, Wisconsin | 5 | $ 1,648,000 | $ 329,600 | $ 309,000 |
| Ozaukee, Wisconsin | 5 | $ 966,000 | $ 193,200 | $ 66,000 |
| Jo Daviess, Illinois | 4 | $ 1,521,000 | $ 380,250 | $ 100,000 |
| Racine, Wisconsin | 4 | $ 533,000 | $ 133,250 | $ 99,000 |
| Jefferson, Wisconsin | 3 | $ 354,000 | $ 118,000 | $ 28,000 |
| Sauk, Wisconsin | 3 | $ 390,000 | $ 130,000 | $ 51,000 |
| Cook, Illinois | 2 | $ 314,000 | $ 157,000 | $ 108,000 |
| Columbia, Wisconsin | 2 | $ 641,000 | $ 320,500 | $ 37,000 |
| Oconto, Wisconsin | 2 | $ 268,000 | $ 134,000 | $ 33,000 |
| Sheboygan, Wisconsin | 2 | $ 1,092,000 | $ 546,000 | $ 0 |
| Trempealeau, Wisconsin | 2 | $ 992,000 | $ 496,000 | $ 245,000 |
| Vernon, Wisconsin | 2 | $ 346,000 | $ 173,000 | $ 20,000 |
| Vilas, Wisconsin | 2 | $ 791,000 | $ 395,500 | $ 120,000 |
| Walworth, Wisconsin | 2 | $ 470,000 | $ 235,000 | $ 175,000 |
| Waukesha, Wisconsin | 2 | $ 394,000 | $ 197,000 | $ 114,000 |
| DuPage, Illinois | 1 | $ 199,000 | $ 199,000 | $ 946,000 |
| Stephenson, Illinois | 1 | $ 1,465,000 | $ 1,465,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 23,000 | $ 23,000 | $ 251,000 |
| Dubuque, Iowa | 1 | $ 44,000 | $ 44,000 | $ 36,000 |
| Scott, Iowa | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Winneshiek, Iowa | 1 | $ 458,000 | $ 458,000 | $ 36,000 |
| Winona, Minnesota | 1 | $ 94,000 | $ 94,000 | $ 103,000 |
| Brazoria, Texas | 1 | $ 230,000 | $ 230,000 | $ 168,000 |
| Adams, Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 23,000 |
| Brown, Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 97,000 |
| Burnett, Wisconsin | 1 | $ 96,000 | $ 96,000 | $ 48,000 |
| Juneau, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 162,000 |
| Kenosha, Wisconsin | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| La Crosse, Wisconsin | 1 | $ 53,000 | $ 53,000 | $ 128,000 |
| Marinette, Wisconsin | 1 | $ 765,000 | $ 765,000 | $ 613,000 |
| Rusk, Wisconsin | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Shawano, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| St. Croix, Wisconsin | 1 | $ 161,000 | $ 161,000 | $ 58,000 |
| Washington, Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 139,000 |
| Waupaca, Wisconsin | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Winnebago, Wisconsin | 1 | $ 314,000 | $ 314,000 | $ 1,034,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2014
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 | 142 | $38,433,000 | $270,000 | $3,420,000 | $137,000 | $1,975,000 |
| Home Purchase | 106 | $17,582,000 | $165,000 | $800,000 | $88,000 | $594,000 |
| Home Improvement | 24 | $627,000 | $26,000 | $200,000 | $111,000 | $1,176,000 |
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 | 219 | $39,530,000 | $180,000 | $1,465,000 | $131,000 | $1,975,000 |
| Not applicable | 32 | $13,728,000 | $429,000 | $3,420,000 | $0 | $0 |
| Not Provided | 7 | $862,000 | $123,000 | $230,000 | $104,000 | $239,000 |
| Asian | 6 | $1,051,000 | $175,000 | $260,000 | $90,000 | $129,000 |
| Hispanic | 5 | $713,000 | $142,000 | $200,000 | $254,000 | $1,176,000 |
| Black or African American | 3 | $758,000 | $252,000 | $393,000 | $102,000 | $158,000 |
| 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) | 229 | $44,040,000 | $192,000 | $3,420,000 | $107,000 | $1,463,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $9,451,000 | $410,000 | $1,130,000 | $255,000 | $1,975,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,872,000 | $187,000 | $324,000 | $63,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,279,000 | $127,000 | $203,000 | $47,000 | $106,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 142 | $35,077,000 | $247,000 | $3,420,000 | $138,000 | $1,975,000 |
| Application Withdrawn By Applicant | 67 | $11,065,000 | $165,000 | $344,000 | $97,000 | $1,176,000 |
| File Closed For Incompleteness | 29 | $5,850,000 | $201,000 | $465,000 | $96,000 | $240,000 |
| Application Denied By Financial Institution | 22 | $3,777,000 | $171,000 | $765,000 | $92,000 | $613,000 |
| Application Approved But Not Accepted | 12 | $873,000 | $72,000 | $230,000 | $47,000 | $138,000 |
| 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 2014 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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