Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Wisconsin Bank & Trust of Madison, WI reported 403 mortgage applications totaling $96.7 million, down 5% from 2015. The average application was for $239,868, and applicants reported an average income of $76,483. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Madison, WI (136), Sheboygan, WI (94) and Milwaukee-Waukesha-West Allis, WI (35) (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 | 403 |
| Total Mortgage Loan Application Amount | $96,667,000 |
| Average Mortgage Loan Application Amount | $239,868 |
| Highest Mortgage Loan Application Amount | $16,000,000 |
| Average Applicant Income | $76,483 |
| Highest Applicant Income | $1,361,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 94 | $ 8,775,000 | $ 93,351 | $ 61,000 |
| Dane, Wisconsin | 84 | $ 36,361,000 | $ 432,869 | $ 91,000 |
| Green, Wisconsin | 46 | $ 5,542,000 | $ 120,478 | $ 70,000 |
| Grant, Wisconsin | 37 | $ 8,815,000 | $ 238,243 | $ 34,000 |
| Milwaukee, Wisconsin | 24 | $ 3,435,000 | $ 143,125 | $ 111,000 |
| Calumet, Wisconsin | 22 | $ 2,194,000 | $ 99,727 | $ 56,000 |
| Manitowoc, Wisconsin | 12 | $ 1,742,000 | $ 145,166 | $ 58,000 |
| Lafayette, Wisconsin | 9 | $ 3,317,000 | $ 368,555 | $ 53,000 |
| Rock, Wisconsin | 7 | $ 706,000 | $ 100,857 | $ 86,000 |
| Washington, Wisconsin | 5 | $ 4,475,000 | $ 895,000 | $ 72,000 |
| Waukesha, Wisconsin | 5 | $ 825,000 | $ 165,000 | $ 72,000 |
| Stephenson, Illinois | 4 | $ 3,895,000 | $ 973,750 | $ 236,000 |
| Brown, Wisconsin | 4 | $ 1,895,000 | $ 473,750 | $ 420,000 |
| Columbia, Wisconsin | 4 | $ 511,000 | $ 127,750 | $ 63,000 |
| Jefferson, Wisconsin | 4 | $ 610,000 | $ 152,500 | $ 81,000 |
| Fond du Lac, Wisconsin | 3 | $ 244,000 | $ 81,333 | $ 97,000 |
| Outagamie, Wisconsin | 3 | $ 580,000 | $ 193,333 | $ 107,000 |
| Richland, Wisconsin | 3 | $ 2,185,000 | $ 728,333 | $ 76,000 |
| Jo Daviess, Illinois | 2 | $ 1,275,000 | $ 637,500 | $ 89,000 |
| Fayette, Kentucky | 2 | $ 667,000 | $ 333,500 | $ 190,000 |
| Crawford, Wisconsin | 2 | $ 1,199,000 | $ 599,500 | $ 33,000 |
| Iowa, Wisconsin | 2 | $ 788,000 | $ 394,000 | $ 34,000 |
| Marquette, Wisconsin | 2 | $ 218,000 | $ 109,000 | $ 65,000 |
| Price, Wisconsin | 2 | $ 233,000 | $ 116,500 | $ 177,000 |
| Vilas, Wisconsin | 2 | $ 669,000 | $ 334,500 | $ 82,000 |
| Marion, Florida | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Walton, Florida | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Carroll, Illinois | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Cook, Illinois | 1 | $ 300,000 | $ 300,000 | $ 94,000 |
| Dubuque, Iowa | 1 | $ 76,000 | $ 76,000 | $ 91,000 |
| Scott, Iowa | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Washtenaw, Michigan | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Olmsted, Minnesota | 1 | $ 328,000 | $ 328,000 | $ 164,000 |
| Pasquotank, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Washington, Oregon | 1 | $ 162,000 | $ 162,000 | $ 59,000 |
| Adams, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Door, Wisconsin | 1 | $ 119,000 | $ 119,000 | $ 68,000 |
| Juneau, Wisconsin | 1 | $ 716,000 | $ 716,000 | $ 0 |
| Marathon, Wisconsin | 1 | $ 228,000 | $ 228,000 | $ 104,000 |
| Menominee, Wisconsin | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Oconto, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 57,000 |
| Ozaukee, Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 221,000 |
| Sauk, Wisconsin | 1 | $ 87,000 | $ 87,000 | $ 84,000 |
| Sawyer, Wisconsin | 1 | $ 72,000 | $ 72,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2016
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 | 208 | $53,621,000 | $257,000 | $3,000,000 | $65,000 | $1,361,000 |
| Home Purchase | 104 | $40,953,000 | $393,000 | $16,000,000 | $99,000 | $549,000 |
| Home Improvement | 91 | $2,093,000 | $23,000 | $239,000 | $77,000 | $275,000 |
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 | 274 | $46,838,000 | $170,000 | $1,392,000 | $85,000 | $1,361,000 |
| Not Provided | 53 | $3,399,000 | $64,000 | $488,000 | $80,000 | $275,000 |
| Not applicable | 45 | $43,385,000 | $964,000 | $16,000,000 | $0 | $0 |
| Hispanic | 11 | $1,080,000 | $98,000 | $300,000 | $112,000 | $549,000 |
| Asian | 10 | $1,133,000 | $113,000 | $224,000 | $127,000 | $517,000 |
| Black or African American | 8 | $720,000 | $90,000 | $268,000 | $65,000 | $186,000 |
| American Indian or Alaskan Native | 2 | $112,000 | $56,000 | $83,000 | $48,000 | $48,000 |
| Native Hawaiin 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) | 357 | $80,782,000 | $226,000 | $16,000,000 | $80,000 | $1,361,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $12,710,000 | $508,000 | $1,399,000 | $39,000 | $179,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,025,000 | $135,000 | $268,000 | $60,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,150,000 | $191,000 | $265,000 | $51,000 | $104,000 |
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 | 198 | $40,688,000 | $205,000 | $2,600,000 | $67,000 | $705,000 |
| Application Withdrawn By Applicant | 115 | $48,918,000 | $425,000 | $16,000,000 | $85,000 | $517,000 |
| Application Denied By Financial Institution | 50 | $2,765,000 | $55,000 | $835,000 | $78,000 | $1,361,000 |
| File Closed For Incompleteness | 24 | $3,163,000 | $131,000 | $306,000 | $80,000 | $201,000 |
| Application Approved But Not Accepted | 16 | $1,133,000 | $70,000 | $452,000 | $120,000 | $549,000 |
| 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 2016 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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