Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Wisconsin Bank & Trust of Madison, WI reported 424 mortgage applications totaling $117.6 million, up 56% from 2014. The average application was for $277,259, and applicants reported an average income of $109,271. 48% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Madison, WI (147), Sheboygan, WI (101) and Milwaukee-Waukesha-West Allis, WI (31) (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 | 424 |
| Total Mortgage Loan Application Amount | $117,558,000 |
| Average Mortgage Loan Application Amount | $277,259 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $109,271 |
| Highest Applicant Income | $3,120,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sheboygan, Wisconsin | 101 | $ 11,837,000 | $ 117,198 | $ 63,000 |
| Dane, Wisconsin | 90 | $ 20,449,000 | $ 227,211 | $ 144,000 |
| Green, Wisconsin | 46 | $ 11,017,000 | $ 239,500 | $ 122,000 |
| Grant, Wisconsin | 36 | $ 6,787,000 | $ 188,527 | $ 88,000 |
| Calumet, Wisconsin | 21 | $ 5,149,000 | $ 245,190 | $ 60,000 |
| Milwaukee, Wisconsin | 18 | $ 10,902,000 | $ 605,666 | $ 50,000 |
| Iowa, Wisconsin | 9 | $ 5,206,000 | $ 578,444 | $ 536,000 |
| Manitowoc, Wisconsin | 9 | $ 1,082,000 | $ 120,222 | $ 55,000 |
| Rock, Wisconsin | 9 | $ 1,748,000 | $ 194,222 | $ 25,000 |
| Lafayette, Wisconsin | 8 | $ 4,408,000 | $ 551,000 | $ 441,000 |
| Outagamie, Wisconsin | 8 | $ 1,167,000 | $ 145,875 | $ 89,000 |
| Fond du Lac, Wisconsin | 5 | $ 565,000 | $ 113,000 | $ 81,000 |
| Ozaukee, Wisconsin | 5 | $ 795,000 | $ 159,000 | $ 97,000 |
| Waukesha, Wisconsin | 5 | $ 1,532,000 | $ 306,400 | $ 97,000 |
| Jo Daviess, Illinois | 3 | $ 572,000 | $ 190,666 | $ 97,000 |
| Dickinson, Michigan | 3 | $ 301,000 | $ 100,333 | $ 560,000 |
| Jefferson, Wisconsin | 3 | $ 1,976,000 | $ 658,666 | $ 9,000 |
| Monroe, Wisconsin | 3 | $ 4,125,000 | $ 1,375,000 | $ 0 |
| Washington, Wisconsin | 3 | $ 475,000 | $ 158,333 | $ 54,000 |
| Winnebago, Wisconsin | 3 | $ 5,293,000 | $ 1,764,333 | $ 0 |
| Stephenson, Illinois | 2 | $ 63,000 | $ 31,500 | $ 45,000 |
| Dubuque, Iowa | 2 | $ 2,150,000 | $ 1,075,000 | $ 34,000 |
| Brown, Wisconsin | 2 | $ 318,000 | $ 159,000 | $ 255,000 |
| Columbia, Wisconsin | 2 | $ 264,000 | $ 132,000 | $ 0 |
| Crawford, Wisconsin | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Juneau, Wisconsin | 2 | $ 480,000 | $ 240,000 | $ 34,000 |
| Sauk, Wisconsin | 2 | $ 386,000 | $ 193,000 | $ 0 |
| Vernon, Wisconsin | 2 | $ 1,963,000 | $ 981,500 | $ 0 |
| Highlands, Florida | 1 | $ 78,000 | $ 78,000 | $ 185,000 |
| Lee, Florida | 1 | $ 372,000 | $ 372,000 | $ 191,000 |
| Palm Beach, Florida | 1 | $ 778,000 | $ 778,000 | $ 338,000 |
| Cook, Illinois | 1 | $ 530,000 | $ 530,000 | $ 182,000 |
| Winnebago, Illinois | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Polk, Iowa | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Winneshiek, Iowa | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| Olmsted, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 164,000 |
| Park, Montana | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Washington, Oregon | 1 | $ 496,000 | $ 496,000 | $ 144,000 |
| Collin, Texas | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
| Dodge, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Door, Wisconsin | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Iron, Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 47,000 |
| Langlade, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Price, Wisconsin | 1 | $ 222,000 | $ 222,000 | $ 174,000 |
| Racine, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Shawano, Wisconsin | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Washburn, Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2015
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 | 237 | $72,509,000 | $305,000 | $2,563,000 | $108,000 | $3,013,000 |
| Home Purchase | 134 | $43,356,000 | $323,000 | $12,000,000 | $114,000 | $3,120,000 |
| Home Improvement | 53 | $1,693,000 | $31,000 | $213,000 | $103,000 | $608,000 |
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 | 303 | $53,990,000 | $178,000 | $2,075,000 | $140,000 | $3,120,000 |
| Not applicable | 68 | $57,627,000 | $847,000 | $12,000,000 | $0 | $0 |
| Not Provided | 26 | $3,140,000 | $120,000 | $417,000 | $103,000 | $465,000 |
| Asian | 15 | $1,528,000 | $101,000 | $297,000 | $59,000 | $145,000 |
| Hispanic | 9 | $809,000 | $89,000 | $182,000 | $51,000 | $84,000 |
| Black or African American | 2 | $110,000 | $55,000 | $90,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $354,000 | $354,000 | $354,000 | $149,000 | $149,000 |
| 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) | 351 | $92,638,000 | $263,000 | $12,000,000 | $114,000 | $3,120,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,695,000 | $142,000 | $256,000 | $47,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $18,410,000 | $681,000 | $2,240,000 | $156,000 | $1,250,000 |
| VA-guaranteed (Veterans Administration) | 6 | $815,000 | $135,000 | $165,000 | $51,000 | $109,000 |
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 | 202 | $68,402,000 | $338,000 | $9,000,000 | $120,000 | $3,013,000 |
| Application Withdrawn By Applicant | 118 | $30,190,000 | $255,000 | $12,000,000 | $113,000 | $3,120,000 |
| File Closed For Incompleteness | 55 | $9,069,000 | $164,000 | $463,000 | $71,000 | $218,000 |
| Application Denied By Financial Institution | 34 | $7,989,000 | $234,000 | $2,240,000 | $98,000 | $1,250,000 |
| Application Approved But Not Accepted | 14 | $1,629,000 | $116,000 | $760,000 | $118,000 | $608,000 |
| Loan Purchased By The Institution | 1 | $279,000 | $279,000 | $279,000 | $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 2015 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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